How Floatra 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.
Floatra is not a lender. It provides no capital, holds no customer funds, and bears no credit risk. Every loan is funded and held by a licensed lending partner, which remains lender of record. Terms and eligibility apply.
The Participants
Vendor
A business purchasing inventory through a partner platform or distributor.
Partner Platform / Distributor
A B2B platform, marketplace, or distributor where vendors place inventory orders — online or via field agents.
Floatra
The technology layer. Its engine approves or rejects each request against the criteria the lender sets, then handles tracking, reminders, and reporting.
Licensed Lender
A regulated financial institution that sets the criteria loans are approved against, provides the capital, holds the loan on its balance sheet, and bears the credit risk.
Step-by-Step Flow
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.
Key Characteristics
| Tenure | 14–30 days |
| Active loans | One per vendor at a time |
| Loan type | Inventory-backed purchases only |
| Repayment | Fixed date, non-revolving |
| Cash to vendor | None |
What Floatra Does Not Do
Floatra does not lend money or provide loan capital
Floatra does not hold, custody, or manage customer funds or settlement balances
Floatra does not take credit risk — losses sit with the lender
Floatra does not guarantee loans or loan approvals
Floatra does not pursue legal recovery — that is the lender’s decision
Floatra does not collect deposits
Floatra operates as a technology provider. It does not lend, hold deposits, or take credit risk. Floatra automates repayment reminders and reorder controls on the lender’s behalf; recovery, restructuring, and write-off decisions remain with the lender. Vendor and partner data shared through this platform is processed in accordance with applicable data protection laws. Terms and eligibility apply.