OatFi provides cashflow tools for B2B payments, enabling users to accelerate receivables and defer payables through an API-powered credit stack.

OatFi

OatFi | 2,491 followers on LinkedIn. Working Capital Infrastructure for B2B payments | At OatFi, we’re building the complete API infrastructure for B2B payment platforms to embed and monetize working capital solutions.

Through an OatFi integration, partner platforms are enabled to provide working capital on both sides of every B2B payment - maximizing transactional revenues, and empowering users to collapse their cashflow conversion cycle.

Yousef Master

Angel Investor | Advisor | Fintech Consultant | Co-Founder at Custodia Bank | Ex-Morgan Stanley STAR Fellow

Zev Shimko

CEO at OatFi

Michael Barbosa

Product Manager

Paola Calderón-Gómez

We're thrilled to emerge from stealth and announce $11.25 million in back-to-back rounds led by QED Investors (Seed) and Portage & Picus Capital (Pre-seed), with participation from Cambrian , Fin Capital , Dash Fund , Mischief and Lorimer Ventures . If you offer B2B payments and are looking to embed working capital tools for your SMB customers, please reach out! #wearehiring

We’re into December, so before putting out 2024 predictions, how did I do in 2023? 🤔 Let’s see: At the beginning of 2023, I made a few predictions on where I thought fintech was headed. Given the global unrest, rising inflation, tighter capital markets, and potentially more hawkish Fed Reserve actions, it was a particularly apprehensive period. Given the drastic changes the course of 2023, how did these predictions do? Prediction 1: B2B financial products will behave like software Grade: C+ There are signs of this happening, but the majority of B2B payments are still locked into huge ERP systems in large enterprises. The reality is that this market is penetrated by establishing highly specialized purpose built workflows that incorporate payments as a feature. If you want a detailed breakdown, Matt Brown’s post details this extremely well: https://lnkd.in/gX3jxJmK Prediction 2: Alternative lending will explode in demand Grade: A 😎 Not going to lie, feels like a humble brag on this one. When I initially made this prediction, a lot of folks were very bearish on lending. The reality is entrepreneurs need to grow their businesses, and if classic forms of lending aren’t available, then newer models such as embedded lending, combining acquiring and issuing, and different trade finance models come into play. If you’re interested in checking out who’s doing cool stuff, I’m a huge fan of Pipe , Kanmon , Vartana , OatFi , Slope , Canopy . Prediction 3: Mass adoption of machine learning in lending Grade: F 😩 Got skunked on this one. As someone with a data science background, I overlooked how difficult operationalizing machine intelligence is for folks who don’t live and breathe data. This becomes the critical linchpin of any ML-based value chain. In financial services, marginally better ML technology that is easily implemented at scale will always outperform. Well…overall I think stick to building embedded finance. I’ll drop 2024 predictions in January, so make sure you tune in :) and if you have any strong predictions of your own, let me know in the comments. #embedded #embeddedfinance #fintech #baas

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