For Licensed Lenders
Embedded Distribution for Short-Tenure SME Credit
Floatra is a technology platform that enables licensed lenders to offer short-term, inventory-linked credit within existing B2B commerce platforms.
Floatra is not a lender. Floatra does not make credit decisions. All loans are issued and held by licensed lending partners, who remain the lender of record at all times.
The Opportunity
Traditional SME lending faces persistent challenges:
High customer acquisition costs
Limited visibility into borrower activity
Long tenures with slow capital recovery
Weak post-disbursement monitoring
Floatra addresses these challenges by connecting licensed lenders to real inventory purchases within B2B platforms, offering shorter loan cycles and improved transaction visibility.
How Floatra Works for Lenders
Floatra provides the technology layer that:
- •Applies lender-defined eligibility rules using transaction and order data
- •Routes loan requests based on lender-defined rules
- •Provides loan performance monitoring and reporting support
- •Provides transparent reporting throughout the loan lifecycle
All credit decisions remain subject to lender-defined criteria and acceptance.
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:
- —Daily loan book summaries
- —Repayment and aging reports
- —Exposure and utilization metrics
- —Historical performance data
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 make credit decisions — all loan approvals and rejections are made by licensed lending partners
Floatra does not hold, custody, or manage customer funds or settlement balances
Floatra does not assume credit risk
Floatra does not service loans or enforce collections — loan servicing and collections remain the responsibility of the licensed lender
Regulatory Positioning
Lenders remain lender of record
All customer disclosures reference the lending partner
Floatra operates solely as a technology provider and does not engage in lending, credit brokering, or loan servicing activities
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.