For B2B Platforms & Merchants
Enable Inventory Purchases Without Taking Credit Risk
Floatra helps B2B platforms and distributors offer a short-term inventory purchase option at checkout, subject to eligibility — with credit provided entirely by licensed lenders.
Floatra is not a lender, and partners do not originate, approve, or fund loans. Floatra does not make credit decisions and does not service loans. Terms and eligibility apply.
What Floatra Enables
By integrating Floatra, partner platforms can:
Reduce failed or delayed inventory orders
Increase completed orders and reduce delayed purchases caused by short-term liquidity gaps
Improve vendor retention
Support vendor growth without extending trade credit
The inventory purchase option is presented only to eligible vendors and only at checkout. Floatra provides infrastructure services to partner platforms; vendors interact with Floatra solely in the context of an inventory purchase.
How It Works for Partners
A vendor places an inventory order on your platform
Floatra applies lender-defined eligibility rules in real time
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 environment available |
| Timeline | 3–5 engineering days |
Who This Is For
B2B marketplaces
Distributors with digital ordering platforms
Trade platforms serving SMEs
This solution is not intended for consumer checkout or direct-to-consumer use cases.
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 make all credit decisions and hold all loans
Floatra operates solely as a technology provider and does not engage in lending, credit brokering, or loan servicing activities
Getting Started
To discuss integration or request access to technical documentation, contact: