OatFi provides API-first integrations that embed real-time underwriting, ledger, and capital directly into AP, AR, and commercial charge card workflows to finance B2B transactions. The platform is purpose-built to integrate with issuer processors, payment platforms, and existing AP/AR systems, and has integrated with over 25 platforms over the past three years. OatFi counts infrastructure partners such as Unit, Transcard, and Galileo. Its product addresses payment-term mismatches between buyers and suppliers by enabling financing at the point of invoicing and payment. With the new funding, OatFi plans to accelerate product development and deepen integrations across AP, AR, and payments infrastructure providers. The company positions itself to power a modern credit network for the $35 trillion in annual U.S. B2B payments. OatFi provides end-to-end, API-first infrastructure that enables B2B payment platforms to launch embedded working-capital tools such as BNPL and receivables financing. Its product lets platforms configure a seamless UX and offer cashflow tools without launching a credit business or owning credit risk. OatFi integrates with bill pay, invoicing, payments infrastructure, and spend management platforms to extend payables or convert receivables into immediate cash. The company positions its offering to maximize days payable outstanding and shorten days sales outstanding for SMBs. OatFi targets the large portion of U.S. businesses that still transact by cash or check and aims to help platforms monetize and increase LTVs via embedded working-capital products. The company was founded by Mike Barbosa and John Jordan and is New York–based.

Total raised

$82M

Funding rounds

3

Latest round

Series A

Latest activity

Jun 2025