Nifina provides a cloud-native, AI-powered working capital orchestration platform that integrates with enterprise ERPs to automate receivables, payables, and supplier financing programs. The platform enables dynamic discounting, invoice financing, and flexible B2B payment terms, helping enterprises release trapped liquidity and optimize cash cycles in real time. It has been adopted by 500+ enterprise partners who have liberated over $2.5B in working capital.
Funding
Funding not disclosed
Founders
Product
Problem
Enterprises often have significant working capital trapped in inefficient processes, fragmented systems, and slow payment cycles. This capital stagnation weakens supplier relationships, limits growth opportunities, and creates unnecessary financial risk across the value chain.
Solution
Nifina provides a cloud-native, AI-powered platform that orchestrates working capital at scale by integrating directly with enterprise ERPs to ingest receivables and payables data. The platform uses agentic AI to continuously monitor cash positions, automate workflows, and execute financial actions such as negotiating early payment terms, reallocating liquidity, and automating supplier financing. It unifies multiple commercial levers—including dynamic discounting, BNPL, invoice financing, and term extensions—into a single platform, enabling real-time cash cycle optimization and predictive analytics. This transforms static invoices and bills into active growth levers, moving enterprises from quarterly snapshots to daily decisioning.
Target Audience
Primary customers are large enterprises, financial institutions, and banks seeking to optimize working capital across their value chains, as well as their suppliers and distributors who benefit from improved payment terms and liquidity programs.
Features
- Agentic AI orchestration that moves beyond recommendations to autonomously execute financial actions like negotiating early payment terms and reallocating liquidity
- Direct ERP integration for automated ingestion of receivables and payables data
- Unified platform combining dynamic discounting, BNPL, invoice financing, and term extensions in one interface
- Real-time working capital intelligence with continuous cash position monitoring and predictive analytics
- Configurable cashflow acceleration and deceleration programs tailored to specific business objectives
- Enterprise-grade security with SOC 2 Type II, ISO 27001, PCI DSS, and GDPR compliance
- 99.9% platform uptime with sub-2-second average response time