O
OatFi
Empowers platforms with end-to-end infrastructure to seamlessly embed working capital tools in any payment flow
About OatFi
OatFi is a financial technology startup that specializes in providing lending solutions for businesses. The company operates in the fintech sector, focusing on helping businesses offer credit products without taking on the associated risks. OatFi's primary clients are businesses that want to provide credit to their customers but lack the infrastructure or expertise to manage the complexities of credit underwriting, funding, servicing, and collections.
Read full description
OatFi's business model revolves around a high-margin lending product that allows businesses to increase their customers' lifetime value (LTV). By partnering with OatFi, businesses can offer credit products to their customers without owning the credit risk. This is achieved through OatFi's comprehensive suite of services, which includes underwriting (assessing the risk of lending), funding (providing the money for loans), servicing (managing the loan process), and collections (recovering the money if a customer doesn't pay back the loan).
The company makes money by charging fees for its services, which are tied to the total payments volume processed through its platform. This means that as businesses grow and process more transactions, OatFi's revenues also increase. Additionally, OatFi helps businesses monetize their payments by offering lending products that generate transactional revenues without adding risk.
In summary, OatFi enables businesses to offer credit products seamlessly and profitably, handling all the backend responsibilities while allowing their clients to focus on their core operations.
At a glance
- Status
- Operational
- Founded
- 2021
- Headquarters
- New York City, United States
- Employees
- 36
- Open positions
- None listed
- Dealroom signal
- 79.4/100
- Industry
- Fintech
- Sub-industry
- Mortgages & Lending, Payments
- Sector
- Fintech, BNPL, Business Lending, B2B Payments, Embedded Finance, Embedded Payments, Embedded Lending
- Business model
- SaaS
- Client focus
- b2b
Knowledge graph
More headlines
Funding history
Company financing events and reported valuations.
| Deal type | Date | Amount | Valuation | Investors | Source |
|---|---|---|---|---|---|
| SERIES A✓Equity / VC | Jun 2025 | $24M | $96M | Portage · QED Investors · White Star Capital | ↗ |
| DEBT✓Debt | Oct 2022 | $50M | — | Architect Capital | ↗ |
Financials
Revenue, earnings and other financial measures where available. Years marked “E” are estimates.
Growth signals
Latest recorded traffic for OatFi is 3.4K monthly website visits, up 6.3% over the last three months. OatFi's team grew 5.9% over the past year.
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Investments and acquisitions
Recent portfolio relationships for companies that also act as investors or acquirers.
Investors
From Dealroom's funding and investor records, grouped by the round each investor first entered.
Seed9 investors entered at this stage
Picus Capital
Cambrian Ventures
Portage Ventures- DFDash Fund
Ziv Paz
QED Investors
Pincus Capital Management
Lorimer Ventures
Fintech Ventures Fund
Series A2 investors entered at this stage
White Star Capital- Portage
Series B and later1 investor entered at this stage
- ACArchitect Capital
Other known investors3 additional known investors
Fin Capital- RSRex Salisbury
Zev Shimko
Source: Dealroom Talent Intelligence.
Global footprint
team presence
Market sentiment
An AI-synthesised read of the highest-engagement posts about OatFi on X, ranked by likes and reposts, corporate channels excluded.
Reading the room on X — pulling top posts and synthesizing themes…
Source: X recent search ranked by engagement (likes + retweets) · Synthesis by Claude · Cached for 1 hour
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