For Licensed Lenders
Short-tenure SME credit you don’t have to originate yourself.
Borrowers arrive with trading history, loans fund specific inventory rather than a bank account, and repayment is backed by reorder controls. 14–30 day tenures, so capital cycles fast.
Floatra is not a lender and provides no capital. You set the criteria; Floatra’s engine approves or rejects each request against them at the point of order. You price within published policy bands, you hold every loan, and you bear the credit risk. Floatra does not act as an agent or representative of any lender.
Why Floatra
Pre-qualified borrowers
Vendors come with transaction history from the platform or distributor. No cold leads.
Inventory-linked usage
Loan proceeds fund specific purchases. Capital goes to suppliers, not vendor bank accounts.
Structural enforcement
Repayment is enforced through reorder controls and settlement deductions — not just reminder calls.
Exposure controls
Aggregate and daily caps, loan-size bounds, accepted risk bands, and concentration limits by merchant, category, and state — enforced at origination. Real-time portfolio visibility.
Faster capital velocity
14–30 day tenures mean your capital cycles quickly.
Offline and online
Reach vendors whether they buy through checkout pages or field agents.
Lenders remain lender of record for all loans. Floatra is infrastructure, not a balance sheet.
How Floatra Works for Lenders
Floatra provides the technology layer that:
- •Runs the underwriting engine over transaction, order, identity, and fraud data
- •Approves or rejects each request against your criteria — a request no lender’s criteria accept is rejected
- •Enforces your exposure caps atomically, inside the origination transaction
- •Automates repayment reminders and reorder controls on your behalf
- •Provides transparent reporting throughout the loan lifecycle
You define the criteria the engine approves and rejects against, set your own rate within published policy bands, and can pause funding at any time. Recovery, restructuring, and write-off decisions remain yours.
Loan Characteristics
Loans originated through Floatra typically have the following properties:
| Tenure | 14–30 days |
| Usage | Inventory-backed only |
| Repayment | Fixed dates |
| Active loans | One per vendor |
| Structure | Non-revolving |
Loan proceeds are used exclusively to fund inventory purchases. Vendors do not receive cash.
Lender Control & Risk Management
Lenders retain full control over exposure limits, risk criteria, funding availability, and loan acceptance at all times. Each lending partner maintains full control over:
Exposure limits
Eligible loan sizes
Tenure ranges
Risk bands
Inventory categories
Funding availability
Floatra does not pool, syndicate, or reallocate lender capital.
Reporting & Transparency
Lenders receive access to:
- —A live portfolio dashboard — vintage analysis, roll rates, concentration, recovery, PAR
- —Repayment and aging reports
- —Exposure and utilization metrics
- —Historical performance data
- —A weekly portfolio diversification report by email, plus real-time portfolio alerts
Floatra’s ledger and reporting systems are designed to support lender oversight and audit requirements.
What Floatra Does Not Do
Floatra does not provide loan capital
Floatra does not hold, custody, or manage customer funds or settlement balances
Floatra does not assume credit risk — every loss sits with the lender
Floatra does not guarantee loans or provide any first-loss cover
Floatra does not pool, syndicate, or reallocate lender capital
Floatra does not pursue legal recovery, restructure, or write off a loan — those decisions are the lender’s
Regulatory Positioning
Lenders remain lender of record on every loan
All customer disclosures reference the lending partner
Floatra operates as a technology provider — it does not lend, hold deposits, or take credit risk
Lending activities are conducted by regulated institutions
Partnering with Floatra
Floatra works with licensed lenders seeking embedded distribution channels, shorter loan cycles, improved transaction-level visibility, and technology-driven monitoring and reporting support.
Lender onboarding starts in a sandbox: seed a portfolio, simulate disbursement, repayment, and default, and review the reporting before a naira of real capital moves.