Company

Unit is a leading infrastructure platform that empowers tech companies to build differentiated financial products and services into their platforms. Its banking-as-a-service solutions simplify regulatory compliance, establish robust banking partnerships, and streamline technical integration across banking, lending, card issuing, and payments—helping businesses launch and scale their fintech offerings faster.

Opportunity

Fintech and vertical SaaS companies have long encountered challenges launching charge card programs due to regulatory hurdles, stringent banking sponsorship requirements, and the complexities of credit network integration.

With the rise of new card issuing platforms, the ability to launch a charge card program for B2B applications has never been easier. Companies like Unit are disrupting the space by empowering developers to programmatically create virtual and physical cards and drastically expedite the time to market. 

While the right card issuing partner will work with you to structure your program and provide you with many of the tools needed to run a successful program, the platform is still responsible for building out the “credit stack” which is a huge undertaking.

Why OatFi?

Unit aimed to enhance its charge card and banking products by integrating credit, risk management, and capital markets functionality into a complete turnkey solution.

OatFi’s is the only infrastructure platform that provides an integration for funding these card programs. OatFi is the ideal partner for Unit due to its API-first credit infrastructure and capital distribution model, enabling B2B platforms to launch commercial charge card programs in under three months.

Solution

OatFi and Unit designed a unified solution that allows Unit’s customers to offload the challenging task of funding a commercial charge card program.

By establishing a joint funding account through Unit, card receivables are batched daily and purchased by OatFi. This flexible integration supports various billing cycles, enabling end users to better manage spending and credit limits. The technical setup facilitates continuous data exchange, ensuring rapid underwriting, uninterrupted transaction processing, and smooth payment flows.

Clients only need to build on Unit’s APIs while benefiting from the additional functionality provided behind the scenes by OatFi. While Unit interfaces with the bank, issuer processor, and network—managing compliance and risk management—OatFi handles underwriting, as well as the origination and funding of card programs, ledger and loan management, servicing, and collections.

Results

In partnership with OatFi, Unit has successfully integrated credit, risk management, and capital markets into a truly end-to-end commercial charge card solution.

This powerful charge card product enables B2B platforms to launch commercial charge card programs efficiently and at scale—reducing both time-to-market and costs compared to building an in-house solution.