276 Holdings is a South Korean fintech company dedicated to solving small and medium enterprise (SME) cash-flow challenges by digitizing trade receivables and enabling financial access through distribution networks. The company transforms unpaid invoices into liquid assets and builds financial infrastructure that empowers SMEs to secure funding without traditional collateral or credit guarantees.
- Founded: December 2019, Seoul, South Korea
- CEO & Founder: In-Keun Shin
- Headquarters: Yeouido, Seoul
- Core Business: Receivables-based finance, B2B BNPL solutions, cash-flow management platforms
Key Products and Services
276 Holdings operates two main financial-technology platforms:
- FLOWPOINT — A receivables-management platform that digitizes accounts receivable arising from B2B transactions. It allows SMEs to view, manage, and transfer receivables as tradable digital assets, effectively converting future cash inflows into immediate liquidity.
- FLOWPAY — A B2B “Buy Now Pay Later” (BNPL) solution introduced in 2024 that enables SMEs to purchase raw materials or goods and defer payments until a future date. Unlike conventional lending, FLOWPAY integrates supply-chain data, distribution flows, and payment networks to create a non-bank liquidity channel.
Through these platforms, 276 Holdings turns complex business-to-business transactions into data-driven financial products—bridging the gap between commerce and capital.
Growth and Performance
- The company has processed over ₩670 billion (≈ USD 510 million) in trade receivables across more than 1,000 corporate clients.
- Since the launch of FLOWPAY, annual revenue has grown by approximately 400 %, reflecting strong adoption among manufacturers and distributors.
- In March 2025, 276 Holdings secured a Series A funding round to advance platform automation and expand into global SME finance markets.
