Embedded B2B platform capital for AP, AR, and commercial charge card workflows, not consumer checkout credit. Get started and Schedule a call are the intake. Financing spans net terms, early pay, guaranteed settlement, AP billing cycles and installments, and commercial charge card receivable funding. OatFi states it is a licensed lender and that credit decisions are made by Oat Financial, Inc. Public balance-sheet versus funding-partner wording does not fully agree across pages.
What it is
OatFi is Oat Financial, Inc.’s modern credit network for B2B payments platforms that want to embed working capital, settlement, and reconciliation inside AP, AR, and commercial charge card workflows without becoming the bank or raising the float themselves. Homepage title: OatFi | The Modern Credit Network for B2B Payments. Homepage H1: Close the Loop on Every B2B Payment. Homepage: reconcile payments and insert liquidity along the invoicing lifecycle, driving volume within your platform. Schema.org FinancialService description: the trust layer for B2B payments; API-powered credit infrastructure for embedded invoice, reconciliation, and working capital solutions. About Us title: About OatFi | B2B Credit Infrastructure Since 2021. About: pioneering the first B2B credit network to support the paradigm shift in B2B payments; providing credit at the point of invoicing and payment where these transactions settle. Privacy Policy: the Service is directed towards customers and potential customers; it should not be used for personal, family, or household purposes.
Product surfaces on the current site: Accounts Payable at /accounts-payable (AP Billing Cycles that settle in-network payables on a single date with unified terms; Buyer Cash Rewards for on-time pay to in-network suppliers; AP Installments that extend specific invoices over weekly installments; onboarding and authorization, guaranteed settlement / commit-to-pay, customized payment terms, streamlined repayments, servicing, and collections). Accounts Receivable at /accounts-receivable (Net Terms so buyers keep industry-standard terms while suppliers receive upfront payment; Early Pay and Instant Payouts on approved invoices; Guaranteed Payments so suppliers can opt into on-time payment on the invoice due date; automated underwriting, customizable funding and origination, automated reconciliation). Commercial Charge Cards at /commercial-charge-cards (instant credit decisioning and billing cycles; real-time account reconciliation via OatFi’s in-house Loan Management System; capital-efficient funding where card receivables are batched daily and purchased by OatFi; customized program terms). Homepage how-it-works loop: partner passes buyer and supplier underwriting data; partner passes invoice data and OatFi provides an instant decision upon buyer approval; OatFi funds supplier early pay or guarantees on-time payment; the buyer pays OatFi on terms or via scheduled billing cycles; OatFi automatically reconciles payments to invoices. Modular building blocks named on the homepage: KYB/Fraud, Underwriting, Origination and Funding, Loan Management System and Ledger, Capital Markets and Reporting, Servicing and Collections. Infrastructure Partners page also names multi-rail disbursements including ACH, same-day ACH, card rails, RTP, and FedNow.
Integration is a single set of APIs on homepage, Accounts Payable, Accounts Receivable, Commercial Charge Cards, and Infrastructure Partners: event-driven APIs and webhooks for approvals, funding, and repayments; configurable LMS with custom fee structures; modular endpoints that fit the partner financing workflow; partner keeps UX/UI control. Blog and case-study copy market roughly 60 to 90 days from kick-off to a live program (February 18, 2026 network-infrastructure blog: roughly 90 days; AvidXchange-scale AP blog: 60 to 90 days; Unit commercial charge card case study: launch commercial charge card programs in under three months). Public Documentation nav on oatfi.com routes to /contact rather than an open docs host as of research. Partner CTAs are Get started and Schedule a call / Request a Demo on /contact (form asks estimated monthly payment volume and annual revenue). Existing partners Log in at dashboard.oatfi.com.
This page is OatFi embedded B2B credit for platforms: financing and settlement infrastructure an AP, AR, marketplace, or card platform offers to its business buyers and suppliers. Adjacent OatFi surfaces are OatFi’s. They are not this page. Use-case education (bill pay, procure-to-pay, marketplace, contingent-workforce early payouts), Infrastructure Partners packaging, case studies, and the Newsroom or blog are OatFi’s. They are not this page.
Who it’s for
Partner shapes, from OatFi’s homepage, Use Cases, Accounts Payable, Accounts Receivable, Commercial Charge Cards, Infrastructure Partners, and case studies:
- AP and AR platforms, vertical SaaS, and embedded AP/AR tools, which Use Cases Bill Pay and Invoicing and the AP/AR product pages sell as companies that unlock liquidity for buyers and suppliers inside existing payables and receivables workflows.
- Spend management, procure-to-pay, commercial and fleet card, procurement, and expense platforms, which Use Cases Spend Management and Procure-to-Pay and the Order.co case study sell for net terms, billing cycles, and flexible payment options inside procurement.
- B2B marketplaces and merchants of record, which Use Cases B2B Marketplace sells for net terms programs, supply chain finance, and managed marketplace settlement between buyers and suppliers.
- Issuer processors, embedded payments providers, BIN sponsors, and banking-as-a-service or card-issuing platforms, which Infrastructure Partners and the Unit case study sell for funding commercial charge and fleet card programs, underwriting, LMS, and capital markets behind the partner’s payment APIs.
- Staffing, employer-of-record, embedded payroll, and on-demand wage-access platforms, which Use Cases Early Payouts for Contingent Workforce names for employer net terms with early payouts to workers after work is completed. Treat that as an OatFi-named use case on Use Cases, not as a separate consumer D2C lending brand on this listing.
Partner intake is Get started on homepage, product, and footer CTAs (routes to /contact), Schedule a call and start building on OatFi on Request a Demo /contact, and Login at dashboard.oatfi.com for existing partners. Developers Documentation in the nav also routes to /contact. That is a sales and solutions conversation, not a public self-serve partner live start with open API docs. End businesses see offers inside partner AP, AR, marketplace, or card workflows; Privacy treats users as business representatives, not consumers using the Service for personal, family, or household purposes.
It is a fit for a B2B payments or software company that wants API-embedded buyer/supplier capital and settlement inside the product, will complete a partnership conversation, and does not want to hold lending licenses, warehouse float, or the full credit operations stack itself.
Standout details
- Platform Capital surface (current pages). Official marketing name on live pages and schema.org is OatFi; alternateName Oat Financial; legal entity Oat Financial, Inc. Canonical website in schema.org url is https://www.oatfi.com (https://oatfi.com/ serves the same marketing site). Primary product URLs confirmed live: /accounts-payable, /accounts-receivable, /commercial-charge-cards, plus homepage credit-network overview. Privacy: Service not for personal, family, or household purposes. About contrasts OatFi’s B2B payments credit network with generation-one fintech lenders originating MCAs for merchants selling to consumers. Treat this listing as B2B platform capital / credit-network infrastructure for partner platforms, not a B2B2C POS consumer credit brand and not a GreenSky-style contractor consumer loan surface.
- Offer structure and repayment (as printed). Accounts Payable: unified AP billing cycles; buyer cash rewards / rebates for on-time in-network pay; AP installments over weekly payments on selected invoices; commit-to-pay and guaranteed settlement language. Accounts Receivable: net terms with supplier upfront funding; early pay and instant payouts on approved invoices; guaranteed on-time payment on due date; automated reconciliation of payments to invoices. Commercial Charge Cards: OatFi sets credit limits and billing cycles; card receivables batched daily and purchased by OatFi; real-time LMS balances. Homepage loop: buyer pays OatFi on terms or scheduled billing cycles after OatFi funds the supplier side. Footer: APR and fees may vary based on funding type, state regulations, and applicant qualifications; all financing subject to approval. AP and AR pages mention configurable programs and custom fee structures inside the LMS. This listing does not reprint a fee schedule or APR table. No public max advance, rate card, or revenue-share percentage was printed on the marketing pages used here.
- Eligibility and geography (as printed). Underwriting is partner-passed buyer and supplier data plus OatFi decisioning on homepage how-it-works and product pages. Footer: all credit decisions are made by Oat Financial, Inc.; financing subject to approval. Schema.org areaServed: United States. Platform Terms and Website Terms: governed by New York law with disputes in New York City courts. Contact form collects Country alongside company and volume fields, but no public non-US live-market list for lending products was found on the surfaces used for this listing. Do not invent non-US loan markets from third-party directories.
- Ops and pricing. Intake: Get started, Schedule a call / Request a Demo on /contact. Implementation marketed at roughly 60 to 90 days on OatFi blogs and under three months on the Unit charge-card case study. Partner economics: blog and case studies describe revenue share and monetizing payments volume; percentage terms are not published. /pricing was not a public rate-card page in research (not used as a published schedule). Public Documentation nav points to /contact; no open public docs host was confirmed live for anonymous browse. Public pricing: not published. Production for a new platform is sales-led.
- License and legal (as printed). Originator posture as in license_posture: Oat Financial, Inc. as California CFL licensed lender and NMLS ID 2347616; footer states all credit decisions are made by Oat Financial, Inc.; banking services named to Grasshopper Bank, N.A., Member FDIC. Homepage Capital Markets copy also sells access to various funding partners. February 18, 2026 blog says OatFi holds the balance sheet. Platform Terms describe purchase, sale, and origination of commercial invoices, loans, and related receivables, and Bank Partners for customer bank accounts. Treat licensed-lender / own credit-decision marketing, funding-partner capital-markets copy, balance-sheet blog claims, and bank-partner banking disclosures as vendor copy that should be confirmed in diligence because they do not tell one identical capital-stack story. Trust Center linked from footer: trust.oatfi.com. Privacy contact: legal@oatfinancial.com.
- Scale figures and company facts. Series A newsroom post (March 26, 2025, Tucker Ammons): OatFi raised a $24 million Series A led by White Star Capital with continued participation from Portage and QED; About OatFi block describes the modern credit network for B2B payments; post references $35 trillion in annual US B2B payments as market context, not an OatFi portfolio metric. Founded year in frontmatter follows schema.org foundingDate 2021 and About Us title Since 2021; Series A line Three years ago (published March 2025) is consistent with that window. Headquarters city is not printed on About, Privacy, or schema.org address (schema addressCountry US only). Platform Terms venue is New York City. Third-party directories often print Brooklyn or New York; that city is not confirmed on the OatFi pages used here. About Us page body still contains placeholder lorem ipsum / XXX blocks alongside the usable mission copy; do not treat placeholder blocks as product facts. Public marketing pages used here do not print a single funded-volume or partner-count headline comparable to some peer Capital pages.
- Named on current OatFi product, logo, or case-study surfaces (vendor-named): Homepage Trusted by leading platforms logo row includes marks rendered for GigSafe, Order.co, Unit, Transcard, Piston, HighNote, FreightOS, Tab, Cledara, Flychain, NurseIO, and Koverly (alt text on several marks incorrectly repeats Logo Order.co in source HTML; treat as logo-row marks, not verified captions). Case studies named on site: Unit (commercial charge cards), Order.co (procure-to-pay net terms / payables financing), Lawtrades (instant payments to legal talent / embedded net terms), Flychain (healthcare claims AR line of credit / advanced payments on claims). Avalara appears in a homepage case-study card title in page HTML. Attribute as OatFi-named partners and stories, not as independent verification.
Sources: OatFi, Accounts Payable, Accounts Receivable, Commercial Charge Cards, Use Cases, Infrastructure Partners, About Us, Contact / Request a Demo, Privacy Policy, Platform Terms of Service, Website Terms of Service, Trust Center, Series A (26 Mar 2025), Network infrastructure blog (18 Feb 2026), AvidXchange-scale AP blog, Unit case study, Order.co case study, Lawtrades case study, Flychain case study, Partner login.
Honest verdict
OatFi is the listing to read when the job is embedded B2B credit for an AP, AR, marketplace, or commercial charge card platform: API underwriting and funding at invoice or card authorization, supplier early pay or guaranteed settlement, buyer net terms or billing cycles, LMS reconciliation, and OatFi stating it is a licensed lender so the platform does not have to hold the full credit and capital-markets stack. Use-case guides, Infrastructure Partners packaging, case studies, and Newsroom or blog posts are OatFi’s. They are not this page.
What it is not: a published platform rate card, a self-serve partner live start with no partnership conversation, financing for consumers rather than businesses, or consumer checkout installment credit as the core product. Get started and Schedule a call are the intake. Financing type on current pages is commercial payables and receivables credit plus commercial charge card receivable purchase, with footer wording that APR and fees vary and that credit decisions are made by Oat Financial, Inc. Footer prints California CFL licensed-lender status and NMLS ID 2347616 and names a bank partner for banking services, while homepage Capital Markets copy sells funding partners and a 2026 blog says OatFi holds the balance sheet. Those capital-stack lines should be confirmed in diligence because they do not tell one identical story. If you will not complete a partnership conversation, stop. If the job is branded B2B buyer/supplier capital and settlement inside your payments or software product for business customers you already see invoice or spend, start here.