About PennyFlo
PennyFlo is a Technology company based in London (United Kingdom) founded in 2023. AI platform for automating contract to invoice workflows and payment collections. It operates on a SaaS and B2B model. Its Indian entity Pennyflo Fintech Private Limited reported revenue of ₹3.9 Lakh. PennyFlo offers products and services including Pennyflo Platform. Its focus areas include FinTech, Financial Operations Tech, A/R Management and AI Automation. Its competitors include Plum, Oval Money and Moneyhub; 3 of its 3 listed competitors have raised funding.
Company details
Pennyflo is an AI-driven tool that automates the extraction of billing terms from sales contracts and converts them into invoices instantly. It manages variable billing terms, ensures error-free processing through built-in validation, and streamlines payment collections for businesses. The platform offers intuitive experiences, full visibility, and team collaboration features to enhance financial operations. Clients benefit from faster workflows and reduced manual errors, though specific locations are not detailed.
- Headquarters London, United Kingdom
- SectorsTechnology
- Website pennyflo.io
- Social X
- Legal Name Pennyflo Fintech Private Limited
- Date of Incorporation 08 Jun, 2023
- Jurisdiction Ernakulam, Kerala, India
- Indian entity revenue₹3.9 Lakh
FY 2025
- Indian entity net loss-₹2.6 Lakh
FY 2025 · -68% margin
- Indian entity EBITDA-₹2.6 Lakh
FY 2025 · -68% margin
Associated legal entities of PennyFlo
PennyFlo operates through Pennyflo Fintech Private Limited (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2025) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Pennyflo Fintech Private Limited CIN U62099KL2023PTC081875 | Active | 08 Jun 2023 | Ernakulam, Kerala | ₹0.0 Cr | 3 | View details |
Products & Services of PennyFlo
PennyFlo offers a comprehensive portfolio of products and services, including Pennyflo Platform.
Automates extraction of billing terms and invoice creation for businesses.
Board of directors of Pennyflo Fintech Private Limited (PennyFlo)
Pennyflo Fintech Private Limited is the primary company behind PennyFlo. The board of Pennyflo Fintech Private Limited currently have 3 directors; the longest-serving is Karthik Sreedharan, appointed in 2023. 1 earlier director has ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Karthik Sreedharan DIN 09139122 | Director | 08 Jun 2023 | 3 yrs 5 mo | Pennyflo Fintech Private Limited |
| Vaishnav Raj Koyitti Veettil DIN 09318816 | Director | 08 Jun 2023 | 3 yrs 5 mo | Pennyflo Fintech Private Limited |
| Thinnappan Balasubramanian DIN 10184484 | Director | 26 Nov 2024 | 1 yr 11 mo | Pennyflo Fintech Private Limited |
Financials of PennyFlo
Figures of Pennyflo Fintech Private Limited, the primary company behind PennyFlo, for FY 2025. Revenue was ₹3.9 Lakh. Net loss was -₹2.6 Lakh (-68% margin). EBITDA was -₹2.6 Lakh (-68% margin).
- ₹3.9 LakhRevenue · FY 2025
- -₹2.6 LakhNet loss · -68% margin
- -₹2.6 LakhEBITDA · -68% margin
- ₹1 LakhPaid-up capital
Balance sheet, profit and loss, cash flow and ratios of Pennyflo Fintech Private Limited are on its company page.
Detailed financial statements for PennyFlo
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
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- Financial ratios
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Verified entity values are shown only after access is granted.
Competitors of PennyFlo
PennyFlo has 3 listed competitors in our database, 3 of them funded. They include Plum, Oval Money and Moneyhub.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| withplum.com | 2016 | London, United Kingdom | $75.78M | 150 | AI-based platform for automated personal spend management is provided. | |
| ovalmoney.com | 2015 | London, United Kingdom | $11.19M | 38 | App for financial planning, savings and P2P lending | |
| moneyhub.com | 2011 | Bristol, United Kingdom | $83.57M | Personal finance tools are offered for individuals and enterprises. |
Detailed competitors of PennyFlo
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Verified entity values are shown only after access is granted.
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Frequently Asked Questions about PennyFlo
PennyFlo was founded in 2023.
PennyFlo is headquartered in London, United Kingdom. It is registered at London, England, United Kingdom.
The primary company behind PennyFlo, Pennyflo Fintech Private Limited, reported revenue of ₹3.9 Lakh for FY 2025.
Pennyflo is an AI-driven tool that automates the extraction of billing terms from sales contracts and converts them into invoices instantly. It manages variable billing terms, ensures error-free processing through built-in validation, and streamlines payment collections for businesses. The platform offers intuitive experiences, full visibility, and team collaboration features to enhance financial operations. Clients benefit from faster workflows and reduced manual errors, though specific locations are not detailed.
PennyFlo's top competitors include Plum, Oval Money and Moneyhub.
PennyFlo offers Pennyflo Platform.
PennyFlo operates through Pennyflo Fintech Private Limited.
The legal entities of PennyFlo currently have 3 directors, including Karthik Sreedharan, Vaishnav Raj Koyitti Veettil, Thinnappan Balasubramanian.