For Distributors & Field Sales Operations
Stop losing volume to customers who can’t pay until they’ve sold.
Floatra connects distributors to licensed lenders who fund your customers’ purchases. You get paid upfront, before you ship. They pay the lender in 14–30 days — and if they don’t, they can’t reorder. Your capital never leaves your account.
It costs you nothing. No integration fee, no per-transaction fee, no subscription.
You know the problem
Your best vendors want to order more — but they don’t have cash today. You could extend credit yourself, but that ties up your working capital and creates collection headaches.
Or you could just say no — and watch them buy less, or buy from someone who will extend terms.
There’s a better way.
The Solution
Floatra brings licensed lenders into your distribution workflow.
When a vendor places an order, we check their eligibility in real time. If approved, a lender funds the purchase — and deposits the money directly to your account.
You ship the goods. The vendor pays the lender in 14–30 days.
If they don’t pay, they can’t reorder. Simple.
How It Works
Connect your systems
Floatra integrates with your field sales app, ERP, or ordering system via API.
Orders flow to Floatra
When a vendor wants credit, your system sends the order to us. We return an automated decision — subject to lender funding being available.
Lender funds you directly
Approved orders are funded by a licensed lender. Money hits your account before you ship.
You fulfill and confirm delivery
Ship the goods. Confirm delivery via your agent app or system. This starts the repayment clock.
Vendor repays the lender
Repayment happens via settlement deduction (if you pay out vendors) or direct transfer.
Enforcement is structural
If the vendor doesn’t pay, we run the reminder cadence and send you a reorder-lock webhook. No repayment, no reorder.
What Makes This Different
Your capital stays free
Lenders fund the purchases, not you. Your working capital stays available for inventory, expansion, or anything else.
Your vendors stay with you
No bank visits, no branch paperwork. A vendor verifies their identity once — BVN or NIN plus a selfie, a few minutes on their phone — and after that they just order, receive, and pay later.
Your collections burden lifts
You don’t chase payments — Floatra runs the reminder cadence. Vendors who don’t pay can’t reorder. The goods are the leverage.
Your agents stay honest
We track agent-level exposure, delivery and dispute rates, and flag network patterns like several vendors sharing an address or device. Collusion gets caught before it costs you.
Your data works for you
We underwrite on your vendor history — tenure, order frequency, refusal rates. More history means larger limits.
Use Cases
FMCG Distribution
Help retailers stock up between deliveries. Credit for soap, drinks, packaged foods — repaid when goods sell.
Pharmaceutical Distribution
Enable pharmacies to maintain stock levels. Credit for medicines with fast turnover.
Building Materials
Contractors and hardware stores need materials before payment arrives. Credit bridges the gap.
Agricultural Inputs
Farmers and agro-dealers need seeds and fertilizer before harvest. Credit unlocks the planting cycle.
Common Questions
“We already give credit ourselves”
And it ties up your capital. Floatra lets lenders take that risk instead. You get paid upfront and keep your cash flow free.
“Our vendors don’t use apps”
They don’t need one. Ordering stays with your agents and your system. The one thing a vendor does directly is a one-time identity check — BVN or NIN plus a selfie, done on their phone via an SMS link, or with an agent’s help. After that, Floatra stays in the background.
“What if vendors don’t repay?”
They can’t reorder. You control the goods — that’s real enforcement, and it works on a vendor who needs stock next week in a way a phone call does not. Floatra also runs a reminder cadence from three days before the due date, and reports every overdue loan to you.
“We don’t have good data on our vendors”
We work with modest signals: tenure, recent orders, refusal rate. A vendor typically needs around 90 days of history with you and a handful of orders to qualify. Limits start small and grow with repayment behaviour.
Ready to extend credit without the risk?
Floatra is a technology provider. All credit is issued by licensed lending partners. Floatra does not hold, custody, or manage customer funds. Terms and eligibility apply.