Stop losing orders to customers who don’t have cash today.
Floatra brings licensed lenders into your order flow, so customers can buy now and pay in 14–30 days. You get paid upfront. You don’t fund it, and you don’t carry the risk — online checkout, field sales, or your distributor system.
Platforms and distributors pay us nothing. No integration fee, no per-transaction fee, no subscription. We earn a share of the interest the lender collects — so we only get paid when the lender does.
Floatra is not a lender. We provide the technology that connects merchants, vendors, and licensed lending partners — wherever trade happens. All capital comes from licensed lenders, who hold every loan and bear the credit risk.
What Floatra Does
Floatra embeds purchasing credit into existing B2B workflows. We support platforms, distributors, and field sales operations — not consumers. Floatra connects eligible vendors to licensed lending partners, enabling inventory purchases now with repayment later.
Automated Credit Decisions
Answer at the point of order
An automated eligibility decision at point of order — online checkout, field agent app, or distributor console. No manual review queue, no callback the next day. Subject to lender funding availability.
Short-Tenure, Inventory-Linked
14–30 day terms
Credit is tied to specific inventory purchases. Proceeds go directly to the supplier or distributor — vendors never receive cash.
Works Where Trade Happens
Online and offline
Whether orders come through a checkout page, WhatsApp, a field sales app, or an ERP system — Floatra integrates at the point of order.
Licensed Lender of Record
No regulatory exposure for partners
All credit is issued by licensed lending partners. Floatra does not hold, custody, or manage customer funds.
Structural Repayment
Built-in enforcement
Repayment is backed by reorder controls and settlement deductions — the goods are the leverage. Floatra runs the reminder cadence so your team doesn’t have to.
Delivery-Linked Repayment
Offline orders
On distributor orders the repayment clock starts at confirmed delivery, not at funding. On online checkout it starts when the supplier is paid.
Who Floatra Is For
Floatra serves three types of partners — all focused on B2B trade.
For Merchant Platforms & Marketplaces
Floatra puts a licensed lender behind your checkout, so vendors who are short of cash today can still place the order — without you funding it.
- •A pay-later option for vendors who are short of cash today
- •Credit limits that grow with repayment history
- •No balance-sheet risk
- •Simple API integration
- •Zero collections burden
Platforms do not underwrite loans, move money, or manage collections.
For Distributors & Field Sales
You already have vendor relationships and inventory control. Floatra helps you extend credit to vendors without tying up your own capital — and without the collections headache.
- •Works with your existing systems
- •Agent-assisted ordering supported
- •Delivery-linked repayment
- •Structural enforcement via reorder lock
- •No collections calls
You control the relationship and the goods. We bring the capital and the infrastructure.
For Licensed Lenders
Floatra provides lenders with a controlled, embedded distribution channel for short-tenure SME credit — with built-in underwriting data and structural repayment.
- •Pre-qualified borrowers with transaction history
- •Inventory-linked loan usage
- •Structural enforcement via reorder controls
- •Exposure controls and real-time reporting
- •Faster capital velocity (14–30 day tenures)
- •Offline and online reach
Lenders remain lender of record for all loans. Floatra is infrastructure, not a balance sheet.
How It Works
Floatra integrates at the point of order — whether that’s a checkout page or a field agent’s tablet. Here’s how credit flows.
Vendor places an inventory order
A vendor shops on your platform and selects “Pay Later” at checkout.
Floatra evaluates eligibility
We check identity, credit history, transaction patterns, and fraud signals, then approve or reject against the criteria the lender has set — risk bands, loan sizes, exposure and concentration caps. Automated, with no manual review step.
Licensed lender funds the purchase
If approved, a lending partner disburses funds directly to you (the platform/supplier).
Goods are delivered
You fulfill the order normally. The vendor receives inventory, not cash.
Vendor repays at a fixed date
Repayment is collected via platform settlement, direct transfer, or card. Typically 14–30 days.
Important: Proceeds for financed purchases are paid directly to the supplier or distributor — vendors do not receive cash at any point. Floatra does not hold, custody, or manage customer funds or settlement balances. Each loan is issued by a licensed lender. Terms and eligibility apply.
Built for How Nigerian Trade Actually Works
Most B2B trade in Nigeria doesn’t happen through checkout pages. It happens through field agents, phone calls, WhatsApp messages, and distributor ERPs. Floatra works at the point of order — wherever that is.
Where your vendors are
No digital-only requirement
Your vendors don’t need to download an app or create an account. They interact with you — your agents, your platform, your system. Floatra is invisible to them.
Modest data requirements
Order history, not a bureau file
We underwrite on the data you already hold — tenure, order history, repayment behaviour, agent signals. A vendor needs about 90 days of history and a handful of orders to qualify; limits start small and grow from there.
Delivery-linked repayment
Offline orders
On distributor orders the repayment timer starts at confirmed delivery — by agent app, OTP, or your own tracking — not when the money leaves the lender.
Structural enforcement
The goods are the leverage
Vendors who don’t repay can’t reorder. You control inventory access — that’s real enforcement, and it does most of the work before anyone picks up a phone.
Agent risk monitoring
Your agents, monitored
Field agents can enable fraud — or prevent it. We track agent-level exposure, delivery and dispute rates, and network patterns such as several vendors sharing an address or device. Bad actors get flagged before they cause damage.
Settlement deduction
Repayment built into cash flow
If you settle with vendors (pay them for their sales), we can deduct repayments automatically. Vendors pay from what they earn, not from cash they don’t have.
Integration Built for Speed and Control
Floatra integrates via REST APIs with webhook-based event delivery. Whether you’re a platform with a checkout page or a distributor with a field sales app, we meet you where you are.
What you get
- —REST APIs — Clean, documented endpoints for orders, eligibility, delivery, settlements
- —Real-time webhooks — Approval, funding, disbursement, repayment, overdue, default, reorder lock
- —Sandbox environment — Full API access with a simulated lender you can disburse, repay, and default
- —Field sales integration — Connect your agent apps directly
- —ERP connectors — Odoo and ERPNext modules, plus a generic REST adapter for anything else
- —Agent tracking — Exposure caps, fraud signals, and performance monitoring
- —Delivery confirmation — Via agent app, OTP, or manual entry
- —Settlement reconciliation — Automatic matching to outstanding loans
What partners do not handle
- —Lending capital — You don’t fund the loans. Licensed lenders do.
- —Underwriting — You don’t approve or decline. Floatra’s engine does, against the criteria each lender sets.
- —Collections — Floatra runs the reminder cadence; enforcement is structural via reorder lock and settlement deduction.
- —Regulatory exposure — You’re not a lender. All credit is issued by licensed partners.
{
"merchantId": "9f8c2a41-...",
"category": "FMCG",
"orderAmount": "500000.00"
}
Response:
{
"success": true,
"data": {
"eligible": true,
"maxLimit": 750000,
"tier": "T2",
"estimatedInterest14d": 22500,
"estimatedDueDate14d": "2026-08-24T00:00:00.000Z"
}
}Compliance & Positioning
Floatra operates as a technology and orchestration layer.
Floatra does not lend
Floatra does not take deposits
Floatra does not hold customer funds
All loans are issued by licensed lending partners
Each financing agreement is issued by a licensed lender, who makes all credit decisions and holds the loan on its books. Floatra does not hold, manage, or custody customer funds or settlement balances. Vendor and partner data is processed in accordance with applicable data protection laws. Terms and eligibility apply.
Get Started
Whether you’re a platform, distributor, or lender — ask for sandbox access and run the full loan lifecycle yourself before committing to anything.