cash-flow
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Outgo Turned a Trucker's Slowest Invoice Into Spendable Cash - Then DAT Bought the Shortcut
Small carriers can wait a month to collect on work that consumed fuel today. Outgo rebuilt freight factoring around one sharp idea - make the invoice available now, but charge only when the trucker actually uses the money.
Ambrook Found a $59 Million Opportunity Between a Shoebox and NetSuite
The New York fintech spent years learning why farm books break, then discovered its second customer was really five businesses in a cowboy hat. Now 8,000 operators and $59 million in funding are testing whether that niche lesson can travel across the real economy.
Happy Cabbage Sold Its Marketing Machine to Fix the $150,000 Problem Hiding on Dispensary Shelves
Cannabis shops do not usually run out of data. They run out of clean answers. Happy Cabbage bet that the sharper business is not sending another text - it is stopping cash from going stale in the stockroom.
The Geologist Who Turned Rocks Into Rent Checks
For nearly 30 years EMX Royalty did the unglamorous half of mining - it found the ground, then let someone else dig. The payoff was a royalty machine that grew about 17% a year and ended in a US$456 million merger.
The Back Office That Decided Spreadsheets Were the Enemy
Alek Koenig left Affirm to build the financial plumbing for the soda, skincare and snack brands blowing up your Instagram feed. The pitch is boring on purpose: stop reconciling five systems by hand.
Peakflo
Peakflo is a Singapore-founded, Y Combinator-backed (W22) finance automation platform that puts B2B accounts receivable and accounts payable on autopilot. It connects to accounting systems and ERPs to automate invoice collections, bill payments, expense reimbursements and reconciliation, helping finance teams get paid faster, cut vendor payment time and reclaim thousands of hours a month. Positioned as the AI-native alternative to legacy AP/AR tools for the mid-market and Southeast Asia.
Pideaky
Pideaky is a Monterrey-based fintech that helps offline Latin American small businesses - mostly Mexico's corner shops (tienditas) and their suppliers - manage and accelerate cash flow. It uses AI and computer vision to turn photos and videos of a shop's inventory into a credit score, then extends inventory-based financing alongside automated collection, payment and reconciliation tools. The company was part of Y Combinator's Summer 2021 batch.
RentFlow
RentFlow is a New York fintech, part of Y Combinator's Summer 2024 batch, that builds a 'Buy Now, Pay Later' layer for commercial rent. It pays landlords their full rent on the 1st of the month, then lets business tenants repay in smaller installments synced to their real cash flow. The company pairs payments infrastructure with AI underwriting that reads transaction-level and behavioral signals to price flexibility, aiming to keep otherwise-healthy small and medium businesses from being pushed into default by a single fixed lump-sum bill.
ipaymy
ipaymy is a Singapore-based fintech that lets businesses and individuals use their existing credit cards to pay expenses that normally do not accept cards - rent, salaries, supplier invoices and taxes. By routing these payments through its platform, ipaymy helps users free up working capital with up to 55 days of interest-free credit, earn card rewards on everyday expenses, and get paid faster through its Fetch invoicing tool. Licensed by the Monetary Authority of Singapore as a Major Payment Institution, it operates across Singapore, Malaysia, Hong Kong and Australia.
Adaptive
Adaptive is a New York-based fintech building an AI-native financial platform for the construction industry. It sits on top of QuickBooks to automate the money side of building projects - reading incoming bills, matching them to the right job and cost code, routing approvals, tracking budgets and draws, managing vendor compliance, and processing payments. Founded in 2021 by Matt Calvano, Henry Bradlow, and Francisco Enriquez, the company serves custom homebuilders, general contractors, developers, and specialty trades, and raised a $19M Series A led by Emergence Capital in 2024.
Ignition
Ignition, founded in Sydney in 2013 as Practice Ignition, is a revenue and billing automation platform for accounting firms, bookkeepers, and professional-services businesses. It combines digital proposals, engagement letters, automated invoicing, and integrated payments into one system so firms can win clients, get paid on time, and reduce scope creep. More than 7,500 businesses use Ignition, and customers processed roughly $3.1 billion through the platform in 2025.
Auditoria.AI
Auditoria.AI is a Santa Clara-based enterprise software company that builds agentic AI agents for corporate finance teams, automating accounts payable and accounts receivable workflows across major ERP systems. Its SmartBots act as digital teammates that digitize invoices, chase collections, answer vendor and customer inquiries, and surface real-time cash intelligence - all governed by company policies and auditable at every step. Founded in 2019 by serial entrepreneur Rohit Gupta, the company processes more than $9B in invoicing and $2.4B in collections annually and raised a $38M Series B in early 2025.
Collectly
Collectly is a San Francisco-based healthcare fintech that automates the patient side of revenue cycle management. Its AI platform plugs into more than 20 EHR and practice-management systems to run digital billing, eligibility checks, cost estimates, payments and follow-up, so medical groups collect more, faster, with fewer staff hours. Founded in 2017 and a Y Combinator graduate, Collectly says it serves 3,000+ healthcare facilities and has processed over $1 billion in patient payments. In 2025 it launched Billie, a 24/7 AI agent that answers patient billing questions and takes action across voice, chat, text and email.
Dill
Dill is a San Francisco fintech, founded in 2022 and backed by Y Combinator (W23), that helps construction wholesalers, distributors, and suppliers get paid faster. Its software digitizes the paper-heavy back office of the building-materials trade - online credit applications, accounts-receivable automation, white-labeled payment portals, and lien-rights tracking - and plugs into distribution ERPs like Epicor Prophet 21 and Eclipse. The pitch is simple: suppliers spend less time chasing invoices and more time selling.
Copilot Money
Copilot Money is a subscription personal finance app for the Apple ecosystem that pulls all of your accounts - checking, credit cards, investments, loans - into one private, ad-free dashboard. Its standout feature is AI-powered transaction categorization that learns from your corrections, plus net worth tracking, budgets, recurring-expense detection and investment monitoring. Founded by Chilean engineers Andres Ugarte and Gabriel Dieguez Franzani, the app launched in January 2020, reached profitability in 2023, crossed 100,000 subscribers, and raised a $6M Series A in March 2024 led by Adjacent.
Kody
Kody (formerly KodyPay) is a UK-founded, Singapore-incorporated payments and commerce platform that helps larger retail and hospitality businesses accept in-person payments, run QR-code ordering, and manage cash flow from a single system. Started by then-teenage founder Yoyo Chang in 2018, Kody combines payment hardware (KodyTerminal), digital ordering (KodyOrder), a fee-rebate card (KodyCard) and merchant analytics into one platform. By late 2024 it was processing close to $1 billion in annualised volume and had raised roughly $30 million across its rounds, including a $20M Series A.
BlueTape
BlueTape is a payments and financing platform built for the construction industry. It gives material suppliers, manufacturers, dealers and contractors the tools larger firms take for granted - trade credit, net terms up to 120 days, buy-now-pay-later for building materials, automated accounts receivable, factoring, early-payment programs and lines of credit. The goal is simple: help small and midsize construction businesses get paid faster, sell more, and finance the materials they need without the paperwork and cash-flow crunch that has long defined the trade.