# OatFi

> The modern credit network for B2B payments

OatFi is a credit infrastructure platform that embeds working capital financing into B2B payment workflows via API.

OatFi provides API-based infrastructure for B2B payment platforms to offer accounts payable financing, accounts receivable early payouts, and commercial charge card credit programs. Platforms integrate a single set of APIs to access underwriting, origination, funding, loan management, and reconciliation without building or funding the credit stack themselves. The platform targets bill pay, spend management, marketplace, and contingent workforce payment providers.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2021-01-01
- Profile: https://thegrid.id/profiles/oatfi

## Products

- [OatFi Platform](https://thegrid.id/profiles/oatfi): OatFi Platform is a financial services platform providing API-based credit and capital markets infrastructure for B2B payment platforms. It enables partners to embed accounts payable financing, accounts receivable financing, and commercial charge card programs into their existing workflows. The platform handles underwriting, funding, settlement, reconciliation, and loan management through a single set of APIs, allowing partners to offer buyers flexible payment terms and suppliers early or guaranteed payouts. (Financial Services Platform, Live, Main Product)

## Links

- [Main](https://oatfi.com)
- [Privacy policy](https://oatfi.com/privacy)
- [Terms of Service](https://oatfi.com/platform-terms-of-service)
- [LinkedIn](https://www.linkedin.com/company/oat-financial)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP