CapFlow
Viator Civitatis GYG
Trusted by top OTA partners

Stop Losing Bookings to Cash Flow Gaps

Get working capital based on your OTA bookings. No collateral. No banks. Just your booking data.

The Problem

You Pay Upfront, But Get Paid Weeks Later

- €18K

Tour Delivered

You pay for tickets, vehicles, and staff before the tour happens.

Week 0
- €4K

OTA Processing

OTAs hold your money for 2-4 weeks after delivery.

Week 2
- €2K

Payout Pending

Peak season? You leave 25-50% of potential bookings on the table.

Week 3
+ €32K

Revenue Arrives

OTA finally pays out after lost booking opportunities.

Week 4+

Profitable (€8K margin) but cash-negative for 4+ weeks.

Process

From Application to Funding in 48 Hours

01

Connect your OTAs and booking systems

Link your reservation platform or OTA—such as FareHarbor, Bokun, Ventrata, Expedia, Klook, or Viator. We only need read-only access.

Integration
Partner Partner Partner
Analysis
02

Get your estimate based on eligibility

Our engine analyses your booking history, revenue patterns, and seasonal trends to calculate your funding limit instantly.

03

Receive funds within 48 hours

Funds deposited in your account. Repayment adjusts automatically based on your booking revenue.

Funding
Loan Amount
€ 100,000

Built for Tour Operators.
By Tour Operators.

Flexible Flexible

Flexible Repayment

Your bookings serve as your assurance. There's no requirement to stake your property or personal belongings.

Integrations Integrations

All Major OTAs & ResTech

We integrate with your OTA and ResTech, including FareHarbor, Palisis, Ventrata, Civitatis, GYG and Expedia.

Growth Growth

Grow Without Limits

The more you book, the more capital you unlock. A growth flywheel for your business.

No Collateral No Collateral

No Collateral Required

You can borrow up to 40% of your yearly OTA revenue, with a maximum limit of €100,000 without personal guarantees.

Our Edge

Banks Don't Understand Your Business. We Do.

CapFlow
  • Analyzes your real booking data in real-time

  • Your future bookings are your collateral

  • Automated decisions in hours, not weeks

  • Built by tour operators who lived this problem

Traditional Banks

  • Focus on annual tax returns

  • Require property or equipment as collateral

  • 6-week manual review process

  • Reject 90-95% of tour operators

Your Dashboard

See Your Funding Potential Instantly

Credit Eligibility

Approved
€62,575.00

Maximum available credit based on your OTA revenue

Civitatis
Civitatis
€ 98,917 • 42.79%
Connected
Viator
Viator
€ 62,714 • 24.13%

Quick Actions

Your next repayment is scheduled for April 30th.

User

Ready to Unlock Your Growth?

Join hundreds of tour operators who have scaled their business with Fynza. Get a decision in hours.

Fast Funding
Funds in your account within 48 hours
No Personal Guarantees
Your bookings are your collateral