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OatFi
B2B payments and working-capital infrastructure focused on terms, receivables, and business workflows.
Last reviewed: 2026-05-17
What they offer
- •B2B payment terms
- •Receivables/working-capital workflows
- •Embedded finance infrastructure
Integration model
Workflow-specific B2B finance integration; requires understanding invoice lifecycle and counterparty risk.
Best for
- •B2B marketplaces
- •Invoice or net-terms workflows
- •Platforms with buyer/seller payment timing gaps
Not for
- •Daily card-sales MCA
- •Consumer payments
- •Simple SMB expense cards
Catches
- •More operational complexity than card-sales capital
- •Collections/receivables workflows matter
- •Buyer concentration risk can dominate
Pricing / economics
requires quotePublic pricing is incomplete or not enough for deal comparison. Treat exact fees, rev share, liability, minimums, and eligibility as quote-required.
- •origination fee or rev share
- •cost of capital
- •servicing fee
- •loss/repurchase exposure
- •minimum volume/eligibility thresholds
- •account fees
- •ACH/wire fees
- •ledger/platform fees
- •sponsor bank fees
- •KYC/KYB costs
Provider contact
needs verified contacthttps://www.oatfi.com/contactStart via sales contact form. Verify a direct partnerships/sales contact before automating outreach.
Geographies
- •US
Capital diligence
Sources