276HOLDINGS
276 Holdings Inc. is a data-driven fintech company empowering SMEs through supply chain financing and digital receivables innovation.
# Digital # ICT # AI
Company Info.
Ingeun(Jason) Shin
+82-31-785-7080
Contact Info.
Ingeun(Jason) Shin
+82-10-9917-2267
Company Profile
276 Holdings Inc. is a data-driven fintech company empowering SMEs through supply chain financing and digital receivables innovation.
Founded in 2019, the company operates FlowPay, FlowPoint, and FlowScore to enhance SME cash-flow and financial accessibility.
Headquartered in Incheon, Korea, with ongoing expansion into ASEAN markets.
All three platforms operate in synergy, forming a unified ecosystem that connects SME procurement, financing, and credit evaluation into one seamless data-driven value chain.
Company Competitiveness
Proprietary AI Credit Model
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FlowScore integrates transactional, behavioral, and industry-specific data to assess SME creditworthiness with greater precision than traditional scoring systems.
Extensive Real Transaction Dataset
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Over 14,000 verified receivables and proprietary data accumulated through real B2B transactions enable robust model training and performance validation.
Cross-functional Expert Team
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Core members with backgrounds in fintech, quantitative finance, and AI engineering bring deep expertise in credit modeling, data governance, and risk management.
Scalable Data-driven Infrastructure
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The FlowPoint–FlowPay–FlowScore ecosystem forms an integrated financing infrastructure, allowing seamless regional expansion and real-time data monetization potential.
Key Product
FlowPoint – Digital Receivables & Automation Platform
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FlowPoint digitizes and securitizes SMEs’ trade receivables, automating the full lifecycle from issuance to transfer and settlement.
FlowPay – B2B SNPL (Supply Now, Pay Later)
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FlowPay enables SMEs to purchase essential raw materials on deferred payment terms based on verified transaction and credit data. It bridges buyers, distributors, and financial partners through automated settlement and fund flow monitoring, reducing financing friction in B2B supply chains.
FlowScore – AI-driven Alternative Credit Scoring Engine
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FlowScore utilizes multi-dimensional data—including sales, transaction history, and non-financial indicators—to generate real-time SME credit ratings. The proprietary AI model enhances financial inclusion by assessing businesses overlooked by traditional credit scoring.
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Company History
2025
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AUG I Total accumulated investment: (USD 3.0 milion)
2023
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MAY I Launcehd FlowPay
2022
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JUL I Launced FlowPoint, a digital receivables trading platfrom
2019
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DEC I Established 276 Holdings Co., Ltd.