Choose when to accelerate cash
Fund the transactions that support growth, payroll, inventory or seasonal demand
ETR Digital
© ETR Digital 2026
167-169 Great Portland Street, London W1W 5PF, EnglandETR Digital
© ETR Digital 2026
167-169 Great Portland Street, London W1W 5PF, EnglandFlownote gives suppliers earlier access to cash while preserving the terms and relationships that keep trade moving
Choose when to access working capital through digital notes, using an existing invoice finance facility or new sources of funding
Flownote makes approved trade obligations financeable without forcing your business into a one-size-fits-all programme. Use funding when it helps and leave the rest to settle normally
Fund the transactions that support growth, payroll, inventory or seasonal demand
Connect an approved obligation to available institutional funding through one workflow
Access liquidity without renegotiating the commercial terms agreed with your buyer
Each opportunity remains connected to its underlying trade data, digital instrument, holder and settlement record
Flownote starts with an approved payment obligation and the evidence behind it
The trade obligation becomes a Working Capital Note with a clear digital lifecycle
Agree the amount, tenor and pricing with your lender and transfer the note as part of the financing transaction
Settlement and maturity remain visible from the same transaction record
See how Flownote turns an approved receivable into a funded, traceable transaction