New: Integrated funding capabilities for B2B credit programs on Highnote
Highnote Partners with OatFi to Expand Integrated Funding Capabilities for Credit Programs
SAN FRANCISCO — January 21, 2026 — Highnote, the unified platform for modern issuing, acquiring, credit, ledger, and money movement, today announced a new partnership with OatFi, bringing seamless, pre-integrated risk management, and liquidity capabilities to fintechs and financial institutions building B2B charge card programs on Highnote. The integration eliminates the complexity of building credit risk and capital markets strategies, as well as sourcing and onboarding third-party capital providers, enabling Highnote subscribers to launch and scale charge card offerings faster and more efficiently across key use cases such as accounts payable, bill pay, corporate expense, and fleet.
OatFi is pioneering the first B2B credit network that embeds modular, API-driven working capital tools directly at the point of payment, giving fintechs the ability to scale digital B2B transactions. Through this partnership, Highnote subscribers can tap OatFi’s infrastructure instantly from the Highnote platform, eliminating lengthy negotiations, complex integrations, and added compliance overhead.
Edstruments is among the first Highnote subscribers to access risk management and capital market infrastructure through OatFi, using the integration to accelerate the launch of innovative credit products with minimal operational lift.
“For fintechs, accessing the right risk and capital partner can be one of the most challenging aspects of launching a credit program,” said David Galvan, Head of Issuing Sales at Highnote. “By integrating OatFi into our unified platform, we’re making it easier for our subscribers to manage, fund and scale their products, while laying the groundwork for a broader network of integrated capital providers in the future.”
Traditionally, building commercial card programs has required fintechs to build out end-to-end credit and capital markets technologies, secure capital partners independently, negotiate terms from scratch, and manage complex integrations, all while handling risk, compliance, and operational processes in-house. Highnote’s integration with OatFi simplifies that process, giving subscribers a faster path to market, improved unit economics, and the flexibility to focus on innovation rather than infrastructure.
“OatFi was built to provide the working capital needed to facilitate B2B payments. This integration makes our infrastructure even more simple to access, is embedded, and truly scalable for Highnote subscribers,” said Mike Barbosa, CEO at OatFi. “Partnering with Highnote allows us to bring those benefits directly to a growing roster of fintechs and platforms, removing barriers to launching and expanding working capital products facilitating the paradigm shift in B2B payments.”
The integration with OatFi marks a foundational step in Highnote’s initiative to connect subscribers with trusted working capital solutions through its unified platform. OatFi stands out as a differentiated partner thanks to its risk management, servicing, and reporting infrastructure, which gives fintechs a powerful way to fund and manage commercial card programs with greater control and transparency.
To learn more about partnership opportunities, contact the team at Highnote: https://highnote.com/contact.
About Highnote
Highnote is the unified platform for embedded finance, built for modern card issuance, acquiring, credit, and real-time money movement. Designed from the ground up, Highnote combines elegantly intelligent architecture with powerful developer tooling to deliver seamless, branded financial experiences. With built-in ledgering, integrated payment capabilities, and complete program management, Highnote empowers fintechs, vertical SaaS providers, and enterprises to launch differentiated embedded payments experiences that stand out in any market. Headquartered in San Francisco, Highnote is redefining the standard for modern financial products. Visit highnote.com for more information.
About OatFi
OatFi is building the modern credit network for B2B payments. With deep API integrations across Accounts Payable, Accounts Receivable, and Commercial Charge Card platforms, OatFi embeds directly into the workflows where businesses already pay and get paid. Backed by White Star Capital, QED, and Portage, OatFi is advancing its mission to modernize the $35 trillion U.S. B2B payments landscape.
Media Contacts:
Highnote
Tim Black, Marketing and Communications
OatFi
Author
Highnote Team