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The Venture Codex

Architect Capital

570 Pacific Avenue, San Francisco, California, 94133, United States

Overview

Architect Capital supports innovative founders across the globe by lending against assets generated by FinTech, PropTech, E-Commerce and SaaS companies.

Total investments
7
Lead investments
1
Investments · 12mo
3
Active investors
1

Sector focus

  • E-Commerce
  • Financial Services
  • FinTech
  • Real Estate
  • Software
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Investment portfolio

  • Cashea

    Participated · Series A · Jul 2026

    Founded in Caracas in 2022, Cashea rebuilt access to credit in Venezuela by offering fully digital, instant, zero-interest installment financing for everyday purchases both online and in stores. The company says it has more than 10 million consumer accounts, a network of 40,000 storefronts nationwide, and has enabled more than 100 million transactions since launch. Cashea’s product lets shoppers make a first payment via the app or a QR code in-store and settle the remainder in equal biweekly installments at zero interest. The company has taken operational steps during crises—waiving late fees and advancing cash to merchants after a recent earthquake—to support liquidity for merchants and consumers. Cashea plans to use its new capital to continue expanding access to credit across Venezuela and to build additional payment, savings and merchant tools that extend beyond its core installment product.

  • Harva

    Participated · Debt Financing · Jun 2026

    Harva offers a purpose-built ERP for fresh-produce distributors that provides real-time inventory, lot-level traceability and a natural-language interface, paired with an embedded international factoring engine. The factoring product is integrated into the platform so customer operational data sharpens Harva's credit-risk model as volume scales. Its financing approach uses postharvest receivable factoring with limited recourse and is supported by COFACE; credit risk is primarily placed on U.S. buyers rather than Mexican exporters. Harva operates cross-border between Mexico and the United States from the Rio Grande Valley and serves customers on both sides of the Pharr–Reynosa corridor. With the new $3M equity raise and $110M credit facility, the company plans to scale financing volumes and to expand outreach to family offices and regional investment funds in Mexico and Latin America.

  • OatFi

    Participated · Debt Financing · Oct 2022

    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.

  • Fairplay

    Led · Debt Financing · Jan 2022

    Fairplay offers sales-advance, revenue-based financing that pays client providers directly in exchange for a flat fee and a steady share of future revenue. The company targets direct-to-consumer e-commerce brands and marketplace sellers across Latin America, funding marketing, inventory and related operational spend. Fairplay works with clients ranging from sellers doing about $15,000 per month to large DTC companies selling $10 million per month; its average investment is roughly $85,000. The startup reported a strong 2021, with Q3 originations up 250% over Q2 and revenue up more than 200%, and expected continued double-digit growth into Q4 and five-fold growth in 2022. Founded in 2019, the company is leveraging new capital to scale operations and headcount—plans include doubling its team from 38 employees in the coming months. To date Fairplay has raised $40 million in total capital.

  • Kocomo

    Participated · Debt Financing · Aug 2021

    Kocomo operates a marketplace that lets multiple buyers purchase, own and sell fractional interests in luxury vacation properties, with participants holding actual real-estate ownership rather than timeshare usage rights. The platform purchases homes through LLCs, vets and allocates co-owners, manages legal and administrative processes, and handles maintenance, utilities and other property services; owners can also opt to rent their weeks. Founded this year and operating in stealth since May, Kocomo recently launched a beta to a select waiting list. The company raised $6 million in equity and $50 million in debt to advance its business and property acquisitions. Equity capital will be used to grow the nine-person team (sales, marketing and engineering) and invest in technology; the debt will fund the acquisition of roughly 20 luxury properties in Mexico near international airports. Kocomo plans to initially target Americans and Canadians buying in Mexico, the Caribbean and Costa Rica, with later expansion to Europe, ski and Mediterranean destinations and major cultural centers.

Team