Reach 150 million
Americans

A woman with tattoos wearing sports sunglasses and a white mesh shirt, holding an orange basketball on an outdoor court with a metal fence and blue sky with clouds in the background.

Flote helps you grow by serving and converting users credit-based options can’t.

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.

Explore Partnership

Legacy BNPL leaves real customers behind

Here’s the truth:

  1. 150 million American Adults are largely excluded from legacy BNPL due to outdated credit scoring and decisioning models.

  2. 30-50% of U.S. merchant transactions are made using cash or debit.

  3. $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.

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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.

Meet The Team

Contact us to learn how you can increase approvals and convert new customers BNPLs can’t.

Let’s unlock affordability together

Talk to Our Team