GigSafe, a payments platform for contingent workforces with a history of supporting 200,000+ independent contractors (through its predecessor Para), partnered with OatFi to unlock working capital at the point of payment within the $35 trillion U.S. B2B payments market. The partnership strategically divides responsibilities: GigSafe handles compliance, onboarding, and payment processing for 1099 workforces, while OatFi supplies underwriting, capital, ledger infrastructure, and repayment systems.

GigSafe, a payments platform for contingent workforces with a history of supporting 200,000+ independent contractors (through its predecessor Para), partnered with OatFi to unlock working capital at the point of payment within the $35 trillion U.S. B2B payments market. The partnership strategically divides responsibilities: GigSafe handles compliance, onboarding, and payment processing for 1099 workforces, while OatFi supplies underwriting, capital, ledger infrastructure, and repayment systems. By embedding OatFi's infrastructure into GigSafe's platform, the collaboration enables businesses to access industry-standard payment terms while offering contractor early payouts, allowing both parties to strengthen their core competencies. Contractors gain immediate payout flexibility, businesses can scale credit programs and transaction volume, and the partnership accelerates onboarding of 1099 workforces across OatFi's network of 25+ platform integrations.

Unit, a fintech infrastructure platform enabling tech companies to build financial products into their platforms, partnered with OatFi to solve a critical challenge: B2B fintech and SaaS companies faced significant barriers launching commercial charge card programs, including regulatory hurdles, banking sponsorship requirements, and credit network integration complexities. While card issuing platforms had improved time-to-market, companies still needed to build out a complete credit stack—a subs

Flychain, a financial operating system for SMB healthcare providers, integrated OatFi's credit infrastructure to launch an AR line of credit product enabling claims financing for healthcare providers. Healthcare providers face prolonged cash flow constraints due to lengthy insurance reimbursement cycles (45-60 days standard) plus additional delays from claim processing issues, often forcing providers to sacrifice growth or risk missing payroll when the reimbursement cycle is too long. OatFi and

Lawtrades, a tech-enabled platform connecting legal departments from startups to Fortune 500s with world-class legal talent, faced a significant cash flow mismatch: legal talent required prompt payment for completed work, while enterprise clients expected industry-standard payment terms of 30-90+ days. This timing gap forced Lawtrades to finance the float themselves, constraining growth and straining working capital. OatFi developed an embedded net terms offering that automatically underwrites c

Lawtrades, a tech-enabled platform connecting legal departments from startups to Fortune 500s with world-class legal talent, faced a significant cash flow mismatch: legal talent required prompt payment for completed work, while enterprise clients expected industry-standard payment terms of 30-90+ days. This timing gap forced Lawtrades to finance the float themselves, constraining growth and straining working capital. OatFi developed an embedded net terms offering that automatically underwrites client creditworthiness upon platform onboarding and programmatically funds Lawtrades payout accounts in real-time when invoices are submitted. The solution eliminates friction from traditional lending with no assignment notices or third-party disbursements, integrating via API directly into the Lawtrades platform. The partnership enabled clients to gain flexible payment options while maintaining industry-standard terms, Lawtrades optimized its working capital position and removed the financing burden from its balance sheet, legal talent receives prompt compensation, and the strategic partnership unlocked business growth for both parties.

Flychain, a financial operating system for SMB healthcare providers, integrated OatFi's credit infrastructure to launch an AR line of credit product enabling claims financing for healthcare providers. Healthcare providers face prolonged cash flow constraints due to lengthy insurance reimbursement cycles (45-60 days standard) plus additional delays from claim processing issues, often forcing providers to sacrifice growth or risk missing payroll when the reimbursement cycle is too long. OatFi and Flychain created a hybrid credit product combining insurance claim billing data and real-time data streams with traditional SME underwriting for accurate risk pricing. The solution features APIs supporting daily interest fee accruals and batch-based loan settlements, delivering a frictionless customer experience with fairly priced working capital. The partnership resulted in a successful product launch with robust working capital solution, expanded provider base and increased revenue for Flychain, and strengthened customer trust through accessible financing options.

Order.co, an advanced spend management platform for businesses with physical locations, partnered with OatFi to offer customers flexible payment terms (30, 45, or 60-day extensions) while centralizing vendor spending management. Order.co faced challenges with capital requirements for payment float, infrastructure gaps including risk frameworks and underwriting models, and payment complexity across multiple rails. Through OatFi's comprehensive, end-to-end credit solution APIs, Order.co accessed automated underwriting for monthly accounts payable, seamless fund flow via reserve and funding accounts, and customer repayments processed through Stripe Connect. The partnership eliminated the burden of building in-house credit infrastructure, reduced credit risk exposure to zero, freed engineering resources for customer acquisition and product development, and created a new revenue channel through payment monetization.

Unit, a fintech infrastructure platform enabling tech companies to build financial products into their platforms, partnered with OatFi to solve a critical challenge: B2B fintech and SaaS companies faced significant barriers launching commercial charge card programs, including regulatory hurdles, banking sponsorship requirements, and credit network integration complexities. While card issuing platforms had improved time-to-market, companies still needed to build out a complete credit stack—a substantial undertaking. OatFi and Unit created an integrated approach where card receivables are batched daily and purchased by OatFi through a joint funding account. Unit manages banking relationships, compliance, and risk oversight, while OatFi handles underwriting, origination, funding, servicing, and collections. The API-first infrastructure enables seamless data exchange and continuous transaction processing. The partnership delivered a complete commercial charge card solution enabling B2B platforms to launch programs efficiently at scale, with programs launching in under three months—significantly reducing both time-to-market and development costs compared to building in-house alternatives.