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Access flexible working capital for your business with zero collateral financing.
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Grow Faster with AI-Powered Working Capital Built for Nigerian SMEs
Millions of Nigerian SMEs are creditworthy, they just can't prove it the traditional way. FloatMerchant exists to change that. We build the intelligent credit infrastructure that helps banks see the full picture, so deserving businesses finally get the funding they need to grow.
About FloatMerchantPredictive Credit Infrastructure
Powering Sustainable SME Lending
FloatMerchant is an intelligent loan infrastructure designed to power how banks lend to SMEs.
Experience fast approvals, zero collateral Financing, competitive interest rates and flexible payment terms.
Invoice Discounting
FloatMerchant pays your suppliers on time, giving your business more working capital and funding flexibility.
Ecosystem Financing
Flexible financing and working capital solutions for digital marketplaces to support scalable growth.
Who FloatMerchant is forBuilt for Nigerian SMEs
Whether you supply goods, or manage a growing distribution business, our platform helps banks understand your cash flow and support your growth.
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
How it worksUnlock Working Capital.
Grow with Confidence.
Simple. Transparent. Built Around You.
1
AI-Enhanced Financial Insight
Forget submitting endless documents that don't tell the full story. FloatMerchant's AI analyses how your business actually operates to build a true picture of your financial health. We look at:
Your revenue cycles and cash flow patterns- How businesses in your industry typically perform
- Your transaction history and business stability
- Your real capacity to repay, based on numbers, not assumptions
The stronger your business performs, the stronger your credit profile becomes.
2
Simplified Loan Application & Decisioning
Once your application is submitted, our automated credit process takes over, no back-and-forth, no waiting weeks for a response. Here's what the process looks like:
Simple digital onboarding from anywhere- Quick and structured data capture
- Automated credit review and decisioning
- Clear, transparent loan terms from the start
No hidden surprises. Just a fast, straightforward path to funding.
3
Sustainable Access to Working Capital
Getting funded is just the beginning. FloatMerchant structures your working capital around your business, not a one-size-fits-all template. You get:
- Loan limits matched to your actual business capacity
- Repayment schedules aligned to your revenue cycle
- Credit that grows as your business grows
Capital that supports your growth, not one that strains it.
Partners & AssociateTrusted by Businesses Across
Nigeria Of All Sizes And Industries.
Bokku
Cadbury
Flourishing Treat Company
Nigerian Breweries
Checkers
Promasidor
Ready to Access Working Capital Faster?
Access working capital and payment guarantees for SME manufacturers, wholesalers, and distributors. Get Up To 50 Million Naira with Zero Collateral
Frequently Asked QuestionsFrequently Asked
Questions.
Get 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.