The season is paid for before it is played
Flow & Partners helps you prepare working capital financing around your club’s season, from early course preparations to the first busy weeks, with the timing of membership fees and green fee income in mind.
Working capital shaped around your season.
You know your season and what it takes to prepare for it. We work with you to shape financing around the timing of your costs and income, so you can plan ahead with confidence.
Factoring can release capital from eligible invoices, while a complementary credit line can support seasonal working capital needs. We explore how these solutions can work together to support your club throughout the year.
How it works
A good season starts long before the first tee time.
What we look at.
Your Flow Partner reviews your seasonal budget, invoicing and expected income with you. For invoice financing, we assess the eligible invoices and the customers behind them, alongside the working capital needs of your club.
How the financing fits.
Working capital financing can sit alongside your existing bank financing and owner capital. We explain how the proposed arrangement works, what it costs and how it follows the timing of your club’s income and payments.
When to start.
Talk to us while you are planning the season ahead. An early conversation gives us time to assess the options and prepare the financing around when your club will need it.
Who We Are
We put ambition in motion
Jessica Sparrfeldt | Founder & CEO
Flow & Partners is a European working-capital financier operating in Sweden, Norway, Poland, Germany and Denmark, led by CEO Jessica Sparrfeldt.
The company is part of the 0TO9 financial group; credit decisions are made by 0TO9, a licensed credit market company supervised by the Swedish FSA. Flow & Partners Golf works with clubs whose season starts long before the revenue does. Flow & Partners doesn't just free up capital — we free up momentum.
Let’s talk about your next season.
Tell us about your club and your plans for the season ahead. We will explore how working capital financing could support them.
Oscar Bokvist
Head of Sales
