Ever been told “no” when you
could afford to say “yes”?
Been declined for a buy now, pay later option, even though you had the money to cover it?
Millions are turned away by systems that judge their “score” instead of their reality.
Flote approves what you can afford based on your actual income (not an outdated credit score).
Simple, transparent,
and aligned with real life…
Flote is the only app of its kind that doesn’t care about your credit score.
How it works
1.
Choose Flote at checkout or get the app to pay anywhere.
2.
Securely link a bank account to analyze your cashflow.
3.
Receive a short-term plan that aligns with upcoming income.
4.
The business gets paid in full by Flote.
5.
You pay Flote back over time in equal installments.
Why Flote exists
Flote was created by people who know what it feels like to do everything right and still get told “no.”
Our CEO, Peter Maher, experienced it firsthand before ever taking on an executive role.
“I was in my twenties, making good money, and tried to buy a truck. Even with a solid cash flow and savings, I got declined because of an old credit card mistake from when I was nineteen. It made no sense. That moment showed me how broken the system is. Credit score is not an indicator of affordability”
