Oneam provides a digital marketplace that lets B2B companies convert outstanding invoices into cash within days by securely sharing invoice data and receiving financing offers from a network of capital providers. The platform uses AI‑driven risk assessment and quantitative modeling to deliver competitive pricing and rapid approvals, while giving capital providers a scalable origination engine with deep analytics on receivable quality.
Funding
$4.7M 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.
1OFounders
Product
Problem
Businesses often face unpredictable cash flow because payments for invoices can be delayed for weeks, limiting their ability to fund operations, invest in growth, or meet payroll. Traditional financing options can be slow, costly, or require extensive collateral, leaving many companies without timely working capital.
Solution
Oneam offers a digital platform that lets businesses convert outstanding accounts receivable into immediate cash. Companies securely share invoice data, receive financing offers from a network of capital providers, and choose which invoices to sell, receiving payment within days. The platform uses quantitative modeling, data science, and AI/ML to assess receivable risk, enabling competitive pricing and fast approvals. Capital providers gain access to a scalable origination engine that streamlines acquisition, mitigates risk, and provides deep analytics on invoice quality. Both parties benefit from a marketplace that increases pricing efficiency and reduces the friction of traditional invoice financing.
Target Audience
Primary customers are small to mid‑size B2B companies seeking faster working‑capital solutions, and institutional capital providers looking to originate invoice‑finance assets at scale.
Features
- Secure online portal for businesses to upload invoice data and receive real-time financing offers
- Flexible invoice selection allowing sellers to fund any number of invoices, not requiring full portfolio sell‑down
- AI‑driven risk assessment and quantitative modeling that deliver competitive pricing and rapid approval
- Integrated marketplace connecting multiple sophisticated capital providers to increase competition and pricing efficiency
- End‑to‑end digital workflow that minimizes legal, compliance, and operational friction for capital providers
- Real‑time funding, with cash transferred to the business within a few days of invoice approval