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.
Floatra is not a lender. All credit products are issued and held by licensed lending partners. Terms and eligibility apply.
Who Can Integrate
B2B marketplaces
Distributors with vendor ordering platforms or field sales apps
Trade platforms serving SMEs
ERP systems and order management platforms
This integration is not designed for consumer checkout or direct-to-consumer use cases.
What You Get
REST APIs
Clean, documented endpoints for orders, eligibility, delivery, settlements, and more.
Real-time webhooks
Approval, funding, disbursement, repayment, overdue, default, reorder lock and unlock, credit-tier change, KYC completion.
Sandbox environment
Test your integration before going live. Full API access against a simulated lender you can disburse, repay, and default at will.
Field sales integration
Connect your agent apps directly. We handle eligibility, you handle fulfillment.
ERP connectors
Odoo and ERPNext modules, a WhatsApp ordering gateway, and a generic REST adapter for anything else.
Agent tracking
Built-in exposure caps, fraud signals, and performance monitoring per agent.
Delivery confirmation
Confirm delivery via agent app, OTP, or manual entry. On distributor orders the repayment clock starts at that confirmation.
Settlement reconciliation
Report settlements, and we automatically match to outstanding loans.
High-Level Architecture
Floatra acts as the technology and orchestration layer between the platform/distributor and the lender. It provides no capital, holds no customer funds, and bears no credit risk. Floatra does not act as an agent or representative of any lender.
What Partners Build
- •Checkout UI element or agent ordering flow
- •Order confirmation and delivery tracking
- •Optional webhook listener for loan status updates
- •Settlement reporting (for distributors)
What Floatra Handles
- •Eligibility evaluation and underwriting
- •Routing to lenders whose acceptance criteria the request meets
- •Exposure limits and risk rules
- •Agent risk monitoring and fraud detection
- •Repayment tracking and reporting
- •Lender reporting
What Partners Do NOT Handle
- —Lending capital
- —Credit underwriting or credit decisions
- —Regulatory licensing
- —Repayment collection
- —Default management
- —Holding, custodying, or managing customer funds
API Preview
The eligibility call, as it actually is. Monetary inputs are decimal strings; every response is enveloped as { success, data }.
{
"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"
}
}Money Flow
Loan proceeds are paid by the licensed lender directly to the merchant or supplier. Vendors do not receive cash.
Repayments are made by the vendor to the licensed lender via settlement deduction, direct transfer, or agent collection.
Floatra does not hold, custody, or manage customer funds or settlement balances at any point.
Technical Summary
Non-exhaustive
| Protocol | REST APIs |
| Authentication | API key exchanged for a scoped JWT |
| Money format | Decimal strings (e.g. “500000.00”) |
| Testing | Sandbox with a simulated lender |
| Events | Webhooks for loan lifecycle |
| Delivery | Agent app, OTP, or manual confirmation |
| Settlements | Automatic reconciliation via API |
Full technical documentation is public — there is no gate to read it before you talk to us. Vendor and partner data is processed in accordance with applicable data protection laws.
Getting Started
Ask for sandbox credentials and exercise the full loan lifecycle — order, eligibility, funding, disbursement, delivery, repayment — against a simulated lender, before any commitment.
Terms and eligibility apply.