Working Capital Infrastructure for B2B Payments

Seamlessly embed working capital into your platform to unlock user cash flow and accelerate revenue growth.

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what we do

Securely launch the working capital solutions needed to scale your B2B payments platform

Provide instant access to working capital

Solve users' cash flow challenges by deferring payables and accelerating receivables within their existing payment flows.

Grow and monetize total payments volume

If you’re a B2B payments platform, you’re a credit platform. Facilitate transactions and boost payments volume via a third-party balance sheet.

Access the flexible capital platform

Access OatFi’s trusted credit network to achieve best-in-class economics without taking on capital markets responsibilities.

Fuel your credit program with single set of APIs

Avoid raising debt capital, scaling credit and capital market teams, and managing multiple vendors through a single set of APIs that integrates with your flow of funds.

how it works

The complete API-powered credit and capital markets stack

Tab
Underwriting
Instant Credit
Funding
Payments
Image of a diagram with the title How it works and four steps connecting OatFi partners with businesses.
How it works step 1: partner passes underwriting data to OatFi
How it works step 2: OatFi provides an instant credit decision to business and is ready to fund
How it works step 3: business accepts offer and receives funding
How it works step 4: Scheduled payments made at later dates
use cases

The complete API-powered credit and capital markets stack

Tab
Underwriting
Instant Credit
Funding
Payments
How it works step 1: partner passes underwriting data to OatFi
How it works step 2: OatFi provides an instant credit decision to business and is ready to fund
How it works step 3: business accepts offer and receives funding
How it works step 3: business accepts offer and receives funding
How it works step 4: Scheduled payments made at later dates
how it works

The complete API-powered credit and capital markets stack

use cases

The complete API-powered credit and capital markets stack

How it works step 1: partner passes underwriting data to OatFi
How it works step 2: OatFi provides an instant credit decision to business and is ready to fund
How it works step 3: business accepts offer and receives funding
How it works step 3: business accepts offer and receives funding
How it works step 4: Scheduled payments made at later dates
use cases

Infrastructure + Capital to facilitate transactions across B2B payments

Bill Pay & Invoicing

Optimize accounts payable and accounts receivable offerings with instant liquidity for users.

Spend Management & Procure-to-Pay

Streamline procurement with integrated financing options for improved cash flow.

B2B Marketplace

Support buyer and vendor relationships with third-party net terms solutions.

Early Payouts for Contingent Workforce

Manage employer net terms while providing early payouts to employees after work is completed.

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platform

Modular building blocks to power your AP and AR workflows

Every B2B payments experience is different. Build a tailored credit program on OatFi's APIs that fits your platform’s features.
KYB/Fraud
Robust KYB verification and fraud solutions.
Underwriting
Sophisticated underwriting tools to automate credit decisioning.
Origination and Funding
Automated origination and distribution of proceeds through your platform.
Loan Management System and Ledger
Proprietary Loan Management System for real time account status, reconciliation, and ledger capabilities.
Capital Markets and Reporting
Access to OatFi’s various funding partners and automation of capital markets workflows.
Servicing and Collections
Streamlined repayments and collections with automated servicing tools.
Image of a diagram with the title Platform: KYB/Fraud
Image of a diagram with the title Platform: Underwriting
Image of a diagram with the title Platform: Origination and funding
Image of a diagram with the title Platform: Ledgering and Loan Management
Image of a diagram with the title Platform: Capital Markets and Reporting
Image of a diagram with the title Platform: Servicing and Collections
KYB/Fraud
Robust KYB verification and fraud prevention solutions.
Underwriting
Sophisticated underwriting tools to automate credit decisioning.
Origination and Funding
Funding for transactions without leaving the platform.
Ledgering and Loan Management
Loan management system for real-time tracking, ledgering, and reconciliation.
Capital Markets and Reporting
Access to funding sources and regulatory cover through capital markets infrastructure.
Servicing and Collections
Streamlined repayments and collections with automated servicing tools.
case studies

Explore how OatFi partnered with these platforms

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HeadHow OatFi provides net terms for a spend management platform’s customersing

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How Avalara Funds its Customers’ Outstanding AR

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Case Studies
Accounts Payable
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Case Studies

How a Leading Procure-to-Pay Platform Offers Net Terms

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Case Studies
Commercial Charge Cards
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Case Studies

How Unit Launched the End-to-End Commercial Charge Card Stack

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Case Studies
Accounts Receivable
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Case Studies

How Healthcare Providers Access Advanced Payments on Claims

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The modern credit network facilitating the paradigm shift in B2B payments.

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