OatFi

Overview

OatFi is a fintech company based in New York, founded in 2021 by Mike Barbosa and John Jordan. The company focuses on providing end-to-end infrastructure for B2B payment platforms, enabling them to embed and monetize working capital tools. OatFi aims to modernize B2B payment financing by offering automated, instantaneous working capital solutions that integrate directly into business payment workflows, helping small and medium-sized businesses manage cash flow effectively.

Its API-first infrastructure connects with Accounts Payable, Accounts Receivable, and commercial charge card platforms, embedding underwriting, origination, and funding capabilities into existing payment processes. Core offerings include working capital solutions for bill payments and invoicing, spend management and procure-to-pay financing, B2B marketplace credit solutions, and early payouts for contingent workers. Partnering with financial institutions such as Grasshopper Bank, OatFi supports B2B payment platforms in increasing payment volumes without taking on credit risk.

Basic Information

Industry	financial services
Revenue	310K
Headquarters	West New York, New Jersey, United States

Contact Details

Website: oatfi.com
LinkedIn: linkedin.com/company/oat-financial

Key Focus Areas & Initiatives

Fraud prevention
Accounts payable financing
Commercial banking
Credit decisioning
Trade finance
Early payouts for contingent workforce
API-driven platform
Accounts receivable financing
Procure-to-pay
Working capital
Regulatory compliance
Underwriting tools
Financial technology
Funding sources
Multi-rail disbursements
Funding automation
API integration
B2B payments
Vendor and buyer credit programs
Embedded credit infrastructure
Payment processing
Net terms solutions
Credit risk management
B2B marketplace support
Spend management
Capital markets automation
Charge cards
Modular API endpoints
Real-time loan management
Fintech software development
B2B
Services
Financial transactions processing, reserve, and clearinghouse activities
User experience
Funding
Capital markets
Financial services
Market research
Email marketing
Analytics
Cloud services
Customer relationship management
Data protection
Digital marketing
Finance technology
Information technology & services
UX
Marketing & advertising
Cloud computing
Enterprise software
Enterprises
Computer software
CRM
Sales

Technologies Used

AI
Amazon AWS
Android
Circle
DNSimple
Gmail
Google Apps
Google Font API
Google Tag Manager
IoT
Mobile Friendly
Render
Reviews
Sendgrid
Vercel
Webflow
Zendesk

Affiliated Organizations & Regional Branches

Grasshopper Bank

OatFi | Company Profile