OatFi Credit Network for B2B Payments

OatFi (Oat Financial, Inc.) is an API-first credit infrastructure company for B2B payments. It is a licensed lender under the California Financing Law and states that banking services are provided by Grasshopper Bank, N.A. The pages reviewed do not state a founding year; it targets the gap where B2B platforms cannot offer payment terms or early payouts without taking on credit risk.

The platform embeds working capital into three product lines: accounts payable (flexible terms for buyers), accounts receivable (guaranteed or early payouts for suppliers) and commercial charge cards. Modules cover KYB and fraud, underwriting, origination and funding, ledgering and loan management, reporting, and servicing and collections. Customers and partners include Unit, Order.co, Flychain and Lawtrades.

• Accounts Payable: flexible payment terms for buyers on invoices.
• Accounts Receivable: guaranteed or early payouts for suppliers.
• Commercial Charge Cards: credit and capital for card programs.
• Underwriting and funding: real-time underwriting, origination and funding via API.
• Ledger and servicing: ledgering, loan management, collections and capital markets reporting.
• KYB and fraud checks built into onboarding.

A Vietnamese B2B marketplace offering early payouts to suppliers from delivery confirmation. A procurement or bill-pay platform adding net-terms for SME buyers. A freight or logistics platform releasing carrier payments at milestones.

Lets B2B platforms offer net terms and early payouts without holding credit risk on their own balance sheet. One set of APIs covers approvals, settlements and reconciliation. Suppliers can receive instant liquidity while buyers extend payment terms. Platforms keep ownership of the customer experience.

B2B platforms increasingly embed financing so buyers and suppliers manage cash flow inside the software they already use. In Vietnam and Southeast Asia, procurement, logistics and marketplace platforms face the same buyer-supplier payment-term gap and may look to embedded supply chain finance partners.

Series A of $24M published March 2025, led by White Star Capital with Portage and QED. NMLS ID 2347616; licensed lender under the California Financing Law. Banking services by Grasshopper Bank, N.A. (Member FDIC).