Embedded Short-Term Credit for B2B Commerce Platforms
Floatra enables licensed lenders to offer short-term, inventory-linked purchasing options within B2B checkout flows — without Floatra holding capital or customer funds.
Floatra is not a lender. We provide the technology that connects merchants, vendors, and licensed lending partners.
What Floatra Does
Floatra supports business-to-business platforms only. We do not engage in consumer lending services. Floatra embeds purchasing options into existing merchant and marketplace platforms, allowing eligible vendors to purchase inventory now and pay later — with repayment handled by a licensed lending partner.
Short-tenure credit
14–30 days
Inventory-backed purchases only
Proceeds paid directly to merchant or supplier
One-click inventory purchase option
Embedded within B2B partner checkout systems, subject to eligibility
Licensed lender of record
Floatra does not hold, custody, or manage customer funds
Who Floatra Is For
For Merchant Platforms & Marketplaces
Floatra helps platforms increase completed orders and vendor retention by removing short-term working-capital constraints at checkout.
- •Higher order success rates
- •Increased average order value
- •No balance-sheet or credit risk
- •Simple API-based integration
Platforms do not underwrite loans, move money, or manage collections.
For Licensed Lenders
Floatra provides lenders with a controlled, embedded distribution channel for short-tenure SME credit.
- •Pre-qualified borrowers with transaction history
- •Inventory-linked loan usage
- •Exposure controls and real-time reporting
- •Faster capital velocity
Lenders remain lender of record for all loans.
How It Works
A vendor places an inventory order on a partner platform
Floatra evaluates eligibility in real time
A licensed lender funds the inventory purchase
Goods are delivered to the vendor
Vendor repays the lender at a fixed date
Important: Proceeds for financed inventory purchases are paid directly to the merchant or supplier — vendors do not receive cash at any point. Floatra does not hold, custody, or manage customer funds or settlement balances of any kind. Each loan is issued by one licensed lender. Terms and eligibility apply.
Integration at a Glance
Floatra is designed for fast, low-risk integration.
What you get
- —REST APIs
- —One-click inventory purchase option
- —Optional webhooks for loan status
- —Sandbox environment available
What partners do not handle
- —Lending capital
- —Credit decision logic
- —Repayment collection
- —Regulatory exposure
Compliance & Positioning
Floatra operates as a technology and orchestration layer.
Floatra does not lend
Floatra does not take deposits
Floatra does not hold customer funds
All loans are issued by licensed lending partners
Each financing agreement is issued by a licensed lender, who makes all credit decisions and holds the loan on its books. Floatra does not hold, manage, or custody customer funds or settlement balances. Vendor and partner data is processed in accordance with applicable data protection laws. Terms and eligibility apply.