How Floatra Works
Floatra is an embedded credit orchestration platform that enables licensed lenders to offer short-term, inventory-backed financing inside existing B2B commerce platforms.
Floatra is not a lender and does not provide capital or hold customer funds. Floatra does not make credit decisions and does not service loans; these functions remain the responsibility of licensed lending partners. Terms and eligibility apply.
The Participants
Vendor
A business purchasing inventory on a partner platform.
Merchant / Partner Platform
A B2B platform or distributor where vendors place inventory orders.
Floatra
The technology layer that applies lender-defined eligibility rules, routes loan requests to licensed lenders, and provides reporting and notification support.
Licensed Lender
A regulated financial institution that provides the loan capital and holds the loan on its balance sheet.
Step-by-Step Flow
Inventory Order Initiated
A vendor places an inventory order on a partner merchant or marketplace platform. At checkout, an option to pay using short-term credit is presented, subject to eligibility.
Lender-Defined Eligibility Check
Floatra applies lender-defined eligibility rules to determine whether a loan request can be routed to a licensed lender. Factors may include vendor transaction history, order size and frequency, inventory category, and lender-defined risk parameters. This process happens in real time and does not require manual input from the vendor.
Loan Routing to a Licensed Lender
If eligible, the loan request is routed to one licensed lender based on predefined routing rules covering amount, tenure, exposure limits, and risk band. Floatra does not pool capital or rebalance loans.
Inventory Purchase Funded
The licensed lender funds the inventory purchase.
No cash is sent to the vendor.
Funds are paid directly to the merchant or supplier.
The loan is strictly tied to the inventory order.
Inventory Delivered
The merchant fulfills and delivers the inventory to the vendor as normal.
Repayment
The vendor repays the licensed lender on the agreed due date.
Floatra provides repayment status visibility and notification support on behalf of licensed lenders.
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
Floatra does not hold, custody, or manage customer funds or settlement balances
Floatra does not make credit decisions
Floatra does not service loans or enforce collections
Floatra does not guarantee loan approvals
Floatra does not collect deposits
Floatra operates solely as a technology provider and does not engage in lending, credit brokering, or loan servicing activities. Vendor and partner data shared through this platform is processed in accordance with applicable data protection laws. Terms and eligibility apply.