Subflow finds, combines and plans public funding for small businesses.
Subflow is a cloud-based, AI-powered platform. It reads a company's file, matches it against hundreds of grant, tax credit and loan programs, and calculates how much the company can get, when the money will arrive and whether its cash flow holds up until then.
Public funding is plentiful, but hard to read.
In Quebec and across Canada, hundreds of federal, provincial, regional and municipal programs fund hiring, innovation, automation and exports. Their criteria change with every budget, some programs stack while others reduce each other, and a tax credit may be paid more than a year after the expense. Today this work is done by hand, one program at a time.
Scattered information
Hundreds of agencies publish their programs in their own way and change them without notice.
Complex stacking rules
The real amount depends on the combination chosen: rates, caps, and programs that reduce one another.
Cash flow at risk
Money arrives in instalments and often late: a good funding plan can still drain liquidity.
From a company's documents to a costed funding roadmap.
Subflow has been in production since October 2026: Subvia's analysts use it to build their clients' funding roadmaps.
Living program catalogue
A structured database of programs with criteria, rates, caps and stacking rules. Every value carries its official source, verification date and confidence level.
Automated monitoring
Every night, Subflow re-reads public agencies' pages and feeds, detects changes and updates program records based on the official source only.
Client file intake
Financial statements, budgets, emails and meeting notes become a structured profile in which every fact keeps its source document.
Matching and calculation engine
Eligibility, amount per program, filing order, disbursement schedule and monthly cash flow, delivered as a two-page funding roadmap.
AI reasons, code calculates, experts validate.
-
File upload
Documents are encrypted at rest; the profile derived from them is pseudonymized before matching and drafting.
-
Extraction and profile
AI models extract the relevant facts (activity, projects, expenses, hires) into typed, schema-validated data.
-
Matching and qualification
The engine filters the catalogue, AI qualifies the best candidates, and each selected program is re-checked against its official source.
-
Funding roadmap
Code calculates amounts, timeline and cash flow; the analyst reviews and publishes the roadmap for the client.
A cloud-native architecture built for AI.
Subflow is fully cloud-based and serverless. Its workload (document processing, AI model inference, scheduled monitoring of hundreds of sources and encrypted storage) grows with the number of client files and tracked sources.
Controlled AI outputs
AI only produces typed data validated against versioned schemas, never executable code or queries.
Deterministic calculations
Amounts, dates and cash flow come from a tested engine; every amount quoted is checked by code before publication.
Privacy by design
Encrypted documents, pseudonymized profiles, restricted access, compliance with Quebec's Law 25.
Measured costs
Every AI call is metered and capped per client file, keeping the cost per analysis predictable as we grow.
For small businesses and startups investing in growth.
Subflow serves Quebec and Canadian small businesses and startups that hire, innovate, automate or export, directly or through Subvia's partners: accountants, accelerators and financial institutions.
Contact us
Subflow is developed and operated by Subvia Financier inc.
- Company
- Subvia Financier inc.
- contact@subvia.ca