About UsFloatMerchant deploys AI-enhanced credit infrastructure that simplifies traditional banking processes and strengthens risk management.
Access to SME credit in Nigeria is constrained by traditional underwriting models that rely on collateral and audited financials, leaving many viable businesses underserved. FloatMerchant enables banks to bridge this gap by combining AI-driven risk assessment, real-time data, and automated decisioning with your balance sheet and regulatory strength. Together, we unlock smarter, performance-based lending; driving better credit decisions, lower risk, and expanded SME reach.
Your real-time cash flow and revenue patternsHow your business compares within your industry
Your transaction history and financial behaviourYour true capacity to repay and growThe result is a credit decision that's faster, fairer, and built around your business reality, not a rigid checklist designed for a different kind of business. For Nigerian SMEs, this means a more flexible approach to collateral, aligned with how your business actually operates, rather than traditional fixed asset requirements. No more long waits for decisions, just smart, structured access to the working capital your business needs to grow.
How We Make Credit DecisionsFloatMerchant equips financial institutions to lend to SMEs in a more sustainable way, enhancing speed and accuracy while embedding robust risk management.
Seamless digital SME onboarding & verificationAI-driven financial data analysis & interpretationnPredictive credit scoring & risk profilingAutomated credit decisioning & risk classificationIntelligent loan structuring & limit optimizationContinuous portfolio monitoring & early risk detection
More accurate credit decisions, less guessworkSignificantly faster loan processing timesA healthier, more sustainable SME lending portfolioRather than relying solely on static documents or heavy collateral, our system analyzes financial behavior, transaction patterns, and industry signals to create a dynamic view of each business.
Why Choose FloatmerchantWhen your bank uses FloatMerchant's intelligent credit infrastructure, you benefit from:
Get funded faster with decisions in as little as 48 hoursBe assessed on your real business performance, not just documentsEnjoy clear, transparent repayment terms from day oneBuild a strong credit profile that grows with your businessAccess more working capital as your business expands
The Mission
FloatMerchant works alongside financial institutions, combining their capital strength and credit expertise with predictive intelligence and structured loan management systems supporting SME lending from assessment and disbursement through repayment, collections, and recovery.
Floatmerchant Team
Predictive lending that works for you
We'd love to hear from youGot questions about accessing working capital, or ready to get started? Reach out to us, our team is here to help your business get the funding it deserves.
Say HelloFrequently Asked QuestionsGet clear, straightforward answers to the most common questions about using Floatmerchant.
FloatMerchant is suited for food processors manufacturers, key distributors, wholesalers, supermarkets, Pharmacies and high-volume grocery outlets in the FMCG space who need access to working capital, guaranteed payments and improved stock management across their distribution networks.
