Flote = Freedom
Payment plans based on your cash flow, not your credit file
The Problem
For decades, financial systems have judged affordability through outdated credit bureau info.
Now, more than 150 million Americans are largely locked out of options like buy now, pay later apps and traditional credit.
The Solution
Flote makes installment payments possible for working people who rely on debit and cash.
Shoppers can buy what they need with no interest, no hidden fees, and no credit checks.
Businesses can serve the 50% of all U.S. customers largely overlooked by legacy buy now, pay later.
How It Works
1.
Customers select Flote at checkout or download the Flote app to pay anywhere.
2.
Link a bank account for secure to verify cashflow.
3.
When approved, a short-term plan is offered that aligns with upcoming income.
4.
The business gets paid in full by Flote the next business day.
5.
The customer pays Flote back over time in equal installments.
The Team
We know why traditional credit leaves most people out.
So we built something that works for everyone.
Flote was created by a team that spent years inside the payments and fintech systems that shaped modern commerce.
