Flow by NBS is the operations platform serving Nigerian SMEs. We work with fintechs, banks, and agency banking platforms to extend Flow to their merchants. We also work with individuals and agencies who refer SMEs to us.
If you serve a network of merchants, Flow can give them a complete operations platform under your brand or alongside it. We've built Flow specifically for Nigerian SMEs. You handle the merchant relationship; we handle the product.
Flow runs under your brand. Your merchants see your logo, your colours, your domain. We power the platform behind it.
Flow's core capabilities embedded in your existing app or platform via API. Your merchants get inventory, invoicing, and operations without leaving your product.
A joint Flow + your brand offering. Shared go-to-market, clear separation of capabilities. Best when both brands carry weight with the same audience.
APIs for the major Flow capabilities (inventory, invoices, transactions, reports). SSO support so your merchants don't sign in twice. Data sync where it makes sense for your use case. Concrete integration scope is part of the partnership conversation.
Fintechs running merchant networks (POS, agency banking, payments). Banks with SME books wanting to add operational tools to the relationship. Distribution platforms that already have a merchant audience but no operations product. We're not the right fit for every fintech, and we'll tell you that early in the conversation.
If you work with Nigerian SMEs (as a consultant, accountant, agency, or freelancer) and you think Flow could help your clients, our referral programme pays you for every paying client you bring in.
Quick form, no commitment. We send you a unique referral link.
Share Flow with your clients or network. Use your link so we know they came from you.
Get paid for every client who signs up and pays. Commission rates and timing are confirmed when you sign up.
Commercials are negotiated per partnership. Different models attract different splits. We discuss this openly during the partnership conversation, not on a public page.
It depends on the scope you want. Small embeds (e.g., invoicing only) can be live in 4-6 weeks. Full operations integration takes 8-12 weeks. We scope this together before we start.
For white-label, yes. For embedded, partial customisation through theming and configuration. For co-branded, we co-design the experience.
Commission rate is confirmed when you sign up. We pay a percentage of the first 12 months of subscription revenue from each referred client.
Email partnerships@flowbynbs.com. We'll respond within 2 working days.
Tell us what you have in mind. We'll get back to you within 2 working days.
Email partnerships team