For Merchant Platforms & Marketplaces
Stop losing checkouts to buyers who are short of cash.
Floatra puts a licensed lender behind your checkout, so buyers who can’t pay today can still place the order — without you funding it or carrying the risk.
You pay nothing. No integration fee, no per-transaction fee, no subscription.
Floatra is not a lender, and partners do not originate, approve, or fund loans. All capital comes from licensed lenders, who hold every loan and bear the credit risk. Terms and eligibility apply.
What Floatra Enables
By integrating Floatra, partner platforms can:
- •A pay-later option at checkout
Vendors who can’t pay today can still buy today. - •Limits that grow with behaviour
Vendors who repay on time move up the credit tiers over time. - •No balance-sheet risk
You don’t fund the loans. Licensed lenders do. - •Simple API integration
Embed credit decisions in your existing checkout flow. - •No collections burden on you
Floatra runs the reminder cadence; repayment flows through platform controls or lender rails.
Platforms do not underwrite loans, move money, or manage collections. You stay focused on commerce.
How It Works for Partners
A vendor places an inventory order on your platform
Floatra’s engine approves or rejects the request against the criteria the lender has set
A licensed lender funds the inventory purchase
You fulfill and deliver the goods as usual
The vendor repays the lender on the due date
Partners are not involved in lending decisions or repayment collection.
What Partners Do
- •Integrate a checkout option
- •Continue normal order fulfillment
- •Receive payment for inventory as usual
What Partners Do Not Do
- —Provide loan capital
- —Approve or reject loans
- —Hold or move loan funds
- —Manage repayments or defaults
- —Require lending licenses
Money Flow
• Vendors do not receive cash
• Loan proceeds are paid directly to the merchant or supplier
• Partners receive payment for goods, not loan funds
This structure ensures partners are not exposed to financial or regulatory risk.
Integration Overview
Floatra integrates via API into existing platforms.
| Protocol | REST APIs |
| Checkout | One-click option |
| Events | Optional loan-status webhooks |
| Testing | Sandbox with a simulated lender |
| Docs | Public — no gate |
Who This Is For
B2B marketplaces
Trade platforms serving SMEs
Platforms with digital checkout flows
For distributors and field sales operations, see For Distributors.
Regulatory & Compliance Positioning
Eligible vendors are presented with a short-term inventory purchase option at checkout
Partners do not apply on behalf of vendors
Licensed lenders set the criteria loans are approved against, fund and hold every loan, and bear the credit risk
Floatra operates as a technology provider — it does not lend, hold deposits, or take credit risk, and does not act as an agent or representative of any lender
Getting Started
Ask for sandbox credentials and run the full loan lifecycle against a simulated lender before you commit to anything.