Our ProcessFloatMerchant gives financial institutions an AI-powered edge, turning SME lending from a high-risk, manual process into a fast, intelligent, and scalable credit operation.
Floatmerchant ProcessesBy combining predictive intelligence, automation, and structured workflows, we help banks manage SME credit portfolios with discipline, visibility, and sustainability.
Bring SMEs into your credit system the right way, from day one
AI-assisted digital onboarding - faster intake, less manual effortAutomated financial data capture and validationIntelligent industry and ecosystem classificationStandardized documentation with zero gapsSeamless KYC integrationOur system ensures that every SME enters the credit process with structured, analyzable data, reducing ambiguity and improving decision quality.
Let AI do what your credit team doesn't have time to do
Deep transaction pattern analysis powered by AIPredictive cash flow and revenue modellingDynamic industry risk mappingAI-driven repayment capacity scoringAutomated credit workflow routing, faster decisions, less bottleneckThis allows financial institutions to combine human credit expertise with intelligent decision-support systems. The result:
More accurate credit decisionsRisk-aligned loan structuringA healthier, more sustainable credit portfolioStructure every loan around the borrower's reality and not a rigid template
AI-optimized loan booking and structuringRepayment schedules aligned to each SME's cash flow cycleIndustry-specific tenor recommendationsAutostructured repayment calendar setupLoans are structured in alignment with SME cash flow realities, improving portfolio performance from the start.
Don't wait for defaults, see them coming
AI-powered continuous portfolio performance trackingRepayment trend analysis and early warning signalsAutomated stress detection before issues escalateIntelligent risk flagging and exposure insightsThis proactive monitoring helps banks respond early - before minor repayment issues become major defaults.
Systematic, not reactive
Repayment reminders at the right timeStructured, automated collections workflowsIntelligent escalation protocolsFull engagement tracking and recovery analyticsCollections are managed systematically, not reactively.
When things go wrong, stay in control.
AI-supported case tracking and documentationStructured legal workflow managementAutomated recovery reportingPerformance analytics to continuously improve outcomesThis ensures transparency, compliance, and improved recovery performance over time.
Why It MattersBy supporting the full credit lifecycle, FloatMerchant helps financial institutions:
Reduce credit losses with AI-driven risk detectionCut processing time and operational costs significantlyBuild a scalable, sustainable SME lending portfolioStay ahead of risk before it becomes a problemExpand SME lending with confidence and complianceFaster access to the capital they need to growFair assessments based on real business performanceTransparent, structured repayment from day oneA credit relationship that grows with their businessFrequently 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.
