Lightning quick, Pre-approved loans for merchants

Pine Labs is a leading merchant-focused fintech platform providing payment infrastructure and commerce solutions for businesses across online and offline channels. As part of expanding its merchant ecosystem, Pine Labs wanted to introduce short-term credit and lending services directly within its merchant app.

Flooid partnered with Pine Labs to design a simple, intuitive lending experience that would allow merchants to quickly understand, access, and manage a pre-approved line of credit without friction.

The Challenge

Introducing lending into a merchant payments app meant simplifying a traditionally complex financial process.

Key challenges included:

• Designing a quick and seamless borrowing journey for merchants accessing pre-approved credit
• Communicating loan terms clearly without overwhelming users with financial jargon
• Ensuring merchants could understand repayment implications before confirming a withdrawal
• Creating a fully digital KYC process within the app to eliminate the need for offline verification

The experience needed to be informative enough for financial decision-making while remaining fast and effortless for busy merchants.

The Solution

Simplifying the Credit Discovery Experience

We began with a clear, informative landing screen that immediately showed merchants:

• Their available credit limit
• A simple explanation of the loan offering
• Quick actions to begin withdrawing funds

Instead of dense financial explanations, the offering was broken down through short, intuitive carousel cards that guided merchants through the benefits and process.

Interactive Loan Exploration

Since lending decisions require clarity, we designed interaction led information layers.

Merchants could use a slider based interface to choose their loan amount while instantly seeing:

• Interest rate changes
• Daily repayment amount
• Total repayment overview

This real-time feedback helped merchants understand the financial impact before confirming their loan.

Fully Digital KYC Onboarding

A comprehensive onboarding flow was designed to enable end-to-end digital KYC within the app.

The flow included:

• Step-by-step identity verification
• Multiple validation checkpoints
• Secure data submission and verification

This eliminated the need for offline documentation or manual verification processes.