OatFi

Based in New York, US, and founded in 2021 by its CEO Mike Barbosa and CTO John Jordan, Oat Financial, Inc. operates as a fintech company that provides end-to-end capital infrastructures for business-to-business payment solutions. In June 2025, OatFi raised USD 24 million in series A funding led by new investor White Star Capital, with continued participation from existing investors Portage Ventures and QED Investors. As of October 2022, the company has a team of 15 employees.

Oat Financial, Inc. provides the end-to-end infrastructure for B2B payment platforms to support SMEs through working capital tools such as buy now pay later (BNPL) or various receivables financing products. The company's platform allows its customers to configure via API into their existing tools – including bill payment, credit check, collections, invoicing, and expense management tools – essentially building their own BNPL or accounts receivable financing solution. The company plans to use the venture debt funding to further develop its market and expand to other countries.