OneAM, a fintech company pioneering early payment solutions for small and midsize suppliers, announced it has raised $4.7 million in seed funding led by TTV Capital, with additional participation from Correlation Ventures, ThirdStream Partners, and early-stage private investors.
The company is redefining the $4 trillion early pay market by using artificial intelligence and machine learning to value and underwrite fragmented receivables, turning them into an investable asset class for quantitative investors.
Headquartered in New York, OneAM addresses a systemic challenge in B2B commerce: the working capital gap that constrains more than 300,000 small and midsize suppliers to large enterprises. These suppliers, which form the foundation of the U.S. economy, often face extended payment terms and limited access to affordable financing. OneAM’s platform bridges this gap by combining fintech accessibility with institutional-grade credit sophistication, enabling businesses to access liquidity faster and secure more favorable capital terms.
Currently serving clients across industries, including technology, energy, professional services, and media, OneAM’s Early Pay platform accelerates payment cycles and enables sustainable business growth. Its model reduces reliance on costly, rigid financing structures by leveraging data analytics, quantitative pricing, and AI-powered underwriting.
At the core of OneAM’s technology is a sophisticated infrastructure built for quantitative capital providers. The platform transforms fragmented receivables into standardized, investable products, allowing for scalable underwriting of a traditionally inefficient and opaque asset class. The company’s origination engine produces portfolios that offer diversified exposure to both supplier and payor risk.
Founded in 2024 by fintech veterans Ksusha McCormick and Charlotte Ng, OneAM integrates expertise from trade finance, quantitative portfolio management, and payment infrastructure design.
With the new funding, OneAM plans to expand into additional industry verticals while advancing its pricing algorithms, fraud prediction systems, and risk management tools. The company’s goal is to make receivables financing as dynamic and data-driven as modern financial markets.
KEY QUOTES:
“We’re entering an era of unprecedented accessibility and usability of data. This facilitates the application of quantitative pricing and risk management techniques to previously opaque markets. For businesses whose worth was underestimated by the old methods, this will mean a lower cost of capital.”
Ksusha McCormick, Co-Founder and CEO, OneAM
“Small and midsize suppliers have struggled to gain access to competitively priced working capital for decades, simply because the technology was not advanced enough to underwrite and appropriately value these types of receivables. The advancement of AI and machine learning, coupled with quantitative modeling and data science, enables OneAM to accurately assess the quality and risks of these receivables, turning them into an asset class that can be underwritten at scale. We’re proud to back the OneAM team as they scale their early pay solution across critical industries.”
Gardiner Garrard, Co-Founder and Managing Partner, TTV Capital
