cflox stands for
Cash Flow Exchange.

About us

The future of corporate payments

cflox is a Working Capital optimizer, technology provider, and internationally certified payment institution. This allows us to combine payments, financing, and Working Capital and develop unique solutions for our clients. Welcome to the future of corporate payments.

Customer focus

With our clients, we emphasize cooperative, long-term relationships that are built on trust and generate mutual benefits.


It is our goal to achieve high and sustainable quality. For our clients, we are willing to go the extra mile to create value that lasts.


We build upon transparent actions and processes. We emphasize a structured and efficient interaction and open communication.


Data protection and security have the highest priority. Therefore, we use proven, secure technologies and run our services on certified servers located in Germany.


Our employees

cflox is an international payment institution and technology-based market-platform with enormous growth potential - but it is our team of employees, that make cflox so successful: they continuously develop and optimize, master challenges, and shape our corporate culture with their sense of responsibility, commitment, flexibility, as well as their constant will to do their best and make an impact.

Become a member of the cflox team

References and Partners


Contact us!

We combine payments, financing, and Working Capital for unique solutions for our clients. How can cflox help you optimize your cash flow? Contact us now to receive further information.

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10 years of successful working capital optimization