Fintech · sub-niche
B2B invoice financing rails.
Invoice-backed working capital, embedded in the workflows that issue the invoices.
Team-sized buildSteady — one deal per month
Why now
B2B marketplaces are the new payment surfaces. The invoice on day 0 is now an asset. Embedded financing is the unlock.
What the signal looks like
Repos with marketplace / SaaS integration adapters, KYC libraries, and underwriting decision logs.
Public examples
We name publicprojects + categories only — never founders we track inside the paid product. The buyer’s edge stays inside the product.
- Resolve-style B2B BNPL
- Slope-shaped working capital APIs
- Marketplace-embedded financing
What this displaces
Net-30 terms and crossed fingers.
Our build-vs-invest call
Hard to differentiate at API level. The moat is the embedded distribution — getting into the top 20 B2B marketplaces or vertical SaaS platforms. Fund early-stage if there's signed partnership-letter evidence.
Common questions about this niche
- Who's the user?
- B2B marketplace buyers + sellers, both.
- Pricing?
- 1-3% factor rate on the invoice value.
- What's the moat?
- Partnership exclusivity in vertical marketplaces.
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