OatFi provides an API‑driven credit and capital‑markets stack that lets B2B payments platforms embed instant working‑capital products—such as payable deferral and receivable acceleration—directly into their payment flows. The platform handles automated underwriting, KYB verification, fraud detection, and end‑to‑end loan management, connecting to a credit network and capital‑markets partners so the platform can offer financing without holding balance‑sheet debt.
Funding
$24M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
WSFounders
Product
Problem
B2B payments platforms often lack a built‑in mechanism to provide their users with instant working capital, forcing them to either develop complex credit infrastructure internally or partner with multiple vendors. Building underwriting, KYB, fraud prevention, and loan‑management capabilities requires significant capital, regulatory expertise, and ongoing operational overhead. As a result, cash‑flow‑constrained suppliers and buyers experience delayed payments, limiting the platform’s ability to grow transaction volume.
Solution
OatFi delivers a single, API‑driven credit and capital‑markets stack that enables B2B payments platforms to embed working‑capital products directly into their existing payment flows. The platform connects to a trusted credit network and capital‑markets providers, allowing instant deferral of payables and acceleration of receivables without the platform raising debt or maintaining its own balance sheet. Automated underwriting, KYB verification, and fraud‑prevention tools generate real‑time credit decisions, while a built‑in loan‑management system handles funding, ledgering, and repayment servicing. By abstracting capital‑market responsibilities, OatFi lets platforms monetize total payment volume and scale credit programs with minimal integration effort.
Target Audience
The primary customers are B2B payments platforms and fintech solutions that manage accounts payable, accounts receivable, spend‑management, procurement, marketplace transactions, or contingent‑workforce payouts and need to embed instant working‑capital products for their users.
Features
- Unified REST/GraphQL APIs for credit decisioning, funding, and loan servicing that plug into any AP/AR workflow
- Real‑time KYB verification and AI‑driven fraud detection to meet regulatory and risk requirements
- Sophisticated underwriting engine that automates credit limits and pricing based on transaction history and external data sources
- Instant liquidity injection for invoices and purchase orders without exiting the platform’s user interface
- Full‑featured loan management module with real‑time ledgering, reconciliation, and repayment scheduling
- Access to OatFi’s credit network and capital‑markets partners, providing best‑in‑class funding economics without balance‑sheet exposure
- Automated repayment collection and collections workflow, including configurable net‑term structures
- Modular building blocks that support bill‑pay, spend‑management, procure‑to‑pay, B2B marketplaces, and contingent‑workforce use cases