The Modern Credit Network for B2B Payments

While generation-one of Fintech Lenders originating MCAs have helped merchants selling to consumers access growth capital, B2B payments present a much different problem.

Adverse payment terms between buyers and suppliers create a cash flow mismatch. The buyer wants to pay later and a supplier will always prefer payment upfront, and in this problem presents the last hurdle before settling a transaction between the two.

In short — if you’re a B2B payments platform, you’re a credit platform. The third-party balance sheet required to enable two businesses to transact digitally is a must, not a nice-to-have. 

OatFi is not serving a ‘cherry on top’ for SaaS platforms and PayFacs; we facilitate the ‘table-stakes’ working capital needed to facilitate trusted B2B transactions. We’re solving this pain point where it matters most, providing credit at the point of invoicing and payment where these transactions settle. 

As the tidal wave of B2B payments continues to move online, we are excited to welcome the thousands of AP and AR tools driving this transition onto our network.