Integration Overview
Floatra is designed to integrate into existing B2B platforms with minimal engineering effort.
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
Trade platforms serving SMEs
This integration is not designed for consumer checkout or direct-to-consumer use cases.
What the Integration Enables
Partners integrate Floatra to:
Check vendor eligibility (based on lender-defined rules)
Display an inventory purchasing option at checkout (subject to eligibility)
Confirm loan-backed purchases
Receive loan status updates (optional)
Eligibility evaluation is performed based on lender-defined rules and does not constitute a credit decision by Floatra. Terms and eligibility apply.
High-Level Architecture
Floatra acts as the technology and orchestration layer between the platform and the lender. Floatra does not act as an agent or representative of any lender.
What Partners Build
- •Checkout UI element (or button)
- •Order confirmation handling
- •Optional webhook listener for loan status updates
What Floatra Handles
- •Eligibility evaluation (based on lender-defined rules)
- •Loan routing to licensed lenders
- •Exposure limits and risk rules
- •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
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.
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 |
| Testing | Sandbox environment available |
| Events | Webhooks for loan lifecycle (optional) |
Full technical documentation is provided after partnership onboarding. Vendor and partner data is processed in accordance with applicable data protection laws.
Getting Integration Access
To request integration access or technical documentation, contact:
Terms and eligibility apply.