End-to-End Credit Infrastructure for
Sustainable SME Lending

Simple, structured, and built around your business. FloatMerchant guides you through every step of accessing working capital from your first application all the way to repayment.

Coin stack and lending flow illustration

Your Journey to Working Capital,
Step by Step

FloatMerchant handles the complexity behind the scenes so you get a fast, transparent, and stress-free path to funding.

Origination & Onboarding
Credit Assessment & Decisioning
Disbursement & Loan Structuring
Portfolio Monitoring & Early Risk Detection
Collections Management
1

Origination & Onboarding

Quick, simple, and stress-free

  • Sign up and onboard digitally — no branch visit needed
  • Tell us about your business in a few easy steps
  • Connect your financial data securely
  • Verify your identity quickly with KYC support

2

Credit Assessment & Decisioning

Your real performance, fairly evaluated

  • Transaction pattern and revenue analysis
  • Cash flow modelling and repayment capacity
  • Industry benchmarking and risk mapping
  • Predictive credit scoring based on your business data

This allows financial institutions to combine human credit expertise with intelligent decision-support systems. The result:

  • Faster credit decisions
  • Risk-aligned loan structuring
  • Sustainable asset creation
3

Disbursement & Loan Structuring

Funding that fits how you operate

  • Loan amount matched to your business capacity
  • Repayment schedule aligned to your revenue cycle
  • Tenure that gives your business room to breathe
  • Automated repayment calendar setup

Loans are structured in alignment with SME cash flow realities, improving portfolio performance from the start.

4

Portfolio Monitoring & Early Risk Detection

We're with you beyond the funding

  • Track your repayments easily in one place
  • Get early alerts if anything needs your attention
  • Stay on top of your credit health at all times
  • Watch your credit profile strengthen over time

This proactive monitoring helps banks respond early — before minor repayment issues become major defaults.

5

Collections Management

Clear, structured, and always transparent:

  • Automated repayment reminders so you never miss a date
  • Structured repayment process with full visibility
  • Easy escalation support if you run into difficulty
  • Full insight into your repayment performance

Collections are managed systematically, not reactively.

Traders & Distributors
Wholesalers & Suppliers
Importers & High Volume Outlets
Manufacturers & Processors
Trade
Service-Based SMEs
Pharmaceuticals and Pharmacies
Hospitals and Laboratories
Restaurants
Traders & Distributors
Wholesalers & Suppliers
Importers & High Volume Outlets
Manufacturers & Processors
Trade
Service-Based SMEs
Pharmaceuticals and Pharmacies
Hospitals and Laboratories
Restaurants

Frequently Asked
Questions.

Get clear, straightforward answers to the most common questions about using Floatmerchant.

FloatMerchant dashboard on tablet

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.