Reach 150 million
Americans others can’t
Flote helps you grow by serving and converting the debit and cash majority.
Built by leaders in payments, banking, and fintech who understand underwriting, risk, and merchant operations from the inside out.
Now, you can offer a FICO-free installment option at checkout, get higher approvals, and convert brand new customers.
Legacy BNPL leaves real customers behind
Here’s the truth:
150 million American Adults are largely excluded from legacy BNPL due to outdated credit scoring and decisioning models.
30-50% of U.S. merchant transactions are made using cash or debit.
$180B debit/cash transactions happen every year.
The result: Businesses lose millions in potential customers, absorb more fraud from legacy BNPL, and pay rising acquisition costs to reach the same people again and again.
Flote changes all of that.
Why Merchants
Choose Flote
Increased approvals compared to legacy BNPL
Real, new customers and higher AOV
Simple integration via PSP, API, or virtual card
Guaranteed payment with T+1 settlement
Complete visibility into conversion data
Why Customers
Choose Flote
FICO-free approval
No interest, no fees, no credit impact
Works anywhere cards are accepted
Repayments aligned with cashflow
How it works
Flote verifies income in real time and aligns repayment dates to each customer’s income.
Merchants get the sale, guaranteed payment, and deep visibility into performance.
1.
Open Banking verifies income and identity in real time.
2.
Spending limits and plans align with available cash flow.
3.
Flote pays the business in full the next day.
4.
Conversion stats are tracked transparently in the dashboard.
Built by people who have seen what works and what does not.
Team Flote includes leaders from
Zip, Fanatics, Barclays, Synchrony, Nordstrom, eBay, Afterpay, Adyen, Capital One, and Atlassian.
We’ve spent years inside the payment systems that shaped modern commerce and know where they fall short for their customers and partners.
Flote was created to make those systems simple and fair by providing a platform that offers nearly universal access, reduces risk, and rebuilds trust between people and businesses.
