OatFi operates a modern credit network that turns any B2B payments platform into a lender without forcing that platform to assemble its own balance sheet, risk models, or capital-markets relationships. The company's API exposes a full embedded-finance stack: KYB and fraud verification, automated underwriting, loan origination and servicing, capital provisioning, and collections. By plugging in once, accounts payable, accounts receivable, and commercial charge-card products can extend net terms, early payouts, and revolving credit at the exact moment a buyer or supplier needs liquidity.
The problem OatFi targets is structural. B2B transactions are slow to settle, suppliers wait weeks for payment, and most vertical software platforms lack the licensing, risk infrastructure, and funding to close that gap. OatFi abstracts all of it, letting a platform offer 'buy now, pay later' for businesses, guaranteed supplier payouts, or working-capital lines as a native feature. Risk decisions are automated and data-driven, drawing on transaction history flowing through the platform itself.
OatFi has built deep integrations with the embedded-finance ecosystem, connecting to issuer processors and program managers including Galileo, Unit, Highnote, and Transcard, and supporting more than 25 issuer processors and embedded payment platforms. Customers and partners include Order.co, Tab, Cledara, and other spend-management and marketplace companies.
Founded to modernize how B2B payments are financed, OatFi raised an $8M seed round in 2022 from Portage and QED, then closed a $24M Series A in June 2025 led by White Star Capital with continued participation from Portage and QED. The capital funds expansion of its credit network, additional issuer integrations, and growth of its capital-markets capabilities.
The company positions itself as infrastructure rather than a consumer-facing lender: its success is measured by how seamlessly partner platforms can launch and scale financing products, and how accurately its automated underwriting prices risk across a growing book of originations.