OneAM Raises $4.7M In Seed Funding Led By TTV Capital

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OneAM secured $4.7 million in seed funding, led by TTV Capital, with participation from Correlation Ventures, ThirdStream Partners, and several early-stage private investors. The capital will fuel platform expansion into new industry verticals and advancements in AI-driven tools for pricing, fraud detection, and risk management.

OneAM, founded in 2024 and headquartered in New York City, develops an AI-powered Early Pay platform that enables small and midsize suppliers to convert accounts receivable into cash within days. The platform uses machine learning to underwrite fragmented invoices at scale, making working capital more accessible and affordable while creating investable assets for institutional investors like hedge funds and private credit providers. It operates fee-based, avoiding hidden costs, and currently serves sectors including technology, energy, media, and professional services.

Round Breakdown: This seed round builds on prior funding, bringing OneAM’s total capital raised to approximately $5.7 million across three rounds. The investment underscores growing investor confidence in fintech innovations tackling SMB liquidity gaps, particularly amid economic pressures on supply chains.

Strategic Outlook: The funding positions OneAM to scale operations and differentiate from competitors like revenue-based lenders (e.g., Pipe) and traditional factors by emphasizing cost-effective, data-driven underwriting. While the early-stage nature introduces execution risks, the backing from specialized fintech investors signals strong potential for market penetration.

OneAM’s latest seed funding round represents a pivotal milestone for the New York City-based fintech startup, injecting $4.7 million into its mission to democratize access to working capital for small and midsize B2B suppliers. This round not only validates the company’s AI-centric approach to receivables financing but also highlights broader trends in the fintech sector, where data science is increasingly applied to opaque asset classes like fragmented invoices.

Funding Round Specifics

The $4.7 million seed round was led by TTV Capital, a Charlotte, North Carolina-based venture firm specializing in fintech and payments innovations. Joining TTV were Correlation Ventures, an early-stage investor known for rapid deployment of capital into high-potential startups; ThirdStream Partners, a growth equity firm focused on financial services; and a cadre of undisclosed private investors. The round closed in late September 2025, per some tracking data, but the public announcement came in mid-October, aligning with heightened media coverage of SMB financing solutions amid persistent supply chain disruptions.

This infusion brings OneAM’s cumulative funding to roughly $5.7 million since inception, spread across three seed-stage raises. Notably, the latest round dwarfs prior tranches, reflecting accelerated momentum and product-market fit. No post-money valuation was publicly disclosed, though proprietary trackers suggest figures in the low tens of millions, consistent with seed-stage fintech norms for companies at this maturity.

Table notes: Valuation estimates derived from aggregated tracking platforms; actual figures may vary. Earlier rounds focused on foundational tech, while the latest emphasizes scaling.

The funds are earmarked for strategic priorities: penetrating new verticals beyond current strongholds in tech, energy, media, and professional services; refining AI algorithms for dynamic pricing and fraud prediction; and bolstering portfolio management infrastructure for capital providers. OneAM’s revenue model—flat fees to investors for platform access, with zero onboarding or late fees for suppliers—remains intact, ensuring alignment with fair-access ethos.

Company Background and Innovation Edge

Launched in 2024 by a trio of fintech veterans—CEO Ksusha McCormick (ex-trade finance specialist), CPO Charlotte Ng (payments infrastructure expert), and CTO Shanthan Subramaniam (quantitative modeling background)—OneAM addresses a chronic pain point: over 300,000 U.S. SMB suppliers to large enterprises endure 60-90 day payment terms, stifling cash flow and growth. Traditional options like bank loans or factoring are cumbersome, costly, or predatory, often charging 2-5% fees with opaque underwriting.

OneAM’s Early Pay platform flips this script by leveraging AI and machine learning to analyze invoice data at scale, generating quantitative risk scores and turning disparate receivables into diversified, investable portfolios. For suppliers, this means liquidity in days at competitive rates (often sub-1% effective APR for prime assets). For investors—hedge funds, pension funds, private credit vehicles—it democratizes access to a $4 trillion annual revenue stream previously siloed in illiquid, high-risk buckets. The platform’s origination engine streamlines deal flow, reducing manual due diligence by up to 80%, per internal benchmarks.

Key differentiators include:

• AI-Driven Underwriting: Applies quantitative techniques (e.g., Monte Carlo simulations, neural networks) to fragmented data, achieving 95%+ accuracy in risk assessment—far surpassing legacy factors.
• Fee Transparency: No incentives for higher-cost deals, unlike some fintech peers.
• Scalability: Handles thousands of micro-invoices daily, enabling portfolio diversification across suppliers and payors.

Early traction shows promise: OneAM has onboarded dozens of suppliers and a growing network of institutional partners, with average cycle times slashed from weeks to hours.

Recommended: ŌURA Raises Over $900 Million In Funding

Investor Profiles and Strategic Value-Add

The syndicate’s composition signals deliberate curation for OneAM’s niche. TTV Capital, with over $1 billion in assets under management and a track record in payments (e.g., investments in Flywire and Toast), brings deep domain expertise. Gardiner Garrard, TTV co-founder, emphasized the round’s focus: “The advancement of AI… enables OneAM to accurately assess the quality and risks of these receivables, turning them into an asset class that can be underwritten at scale.” This isn’t just capital—TTV offers board guidance on regulatory navigation and go-to-market in B2B ecosystems.

Correlation Ventures, deploying $100 million+ annually in seed bets, adds speed-to-market via its “commitment-led” model, which accelerates follow-ons. ThirdStream Partners, managing $300 million in fintech-focused equity, provides operational scaling support, drawing from portfolio wins like Blend and Kasisto. Private investors, likely high-net-worth individuals from finance circles, round out the mix with tactical networks in supply chain verticals.

This investor blend mitigates common seed-stage pitfalls: TTV and ThirdStream offer fintech credibility for enterprise sales, while Correlation ensures agility in a volatile VC climate.

Market Landscape and Competitive Positioning

The U.S. early pay market, valued at $4 trillion in annual B2B payables, is ripe for disruption. SMB suppliers represent 99% of U.S. firms but capture just 40% of working capital solutions due to underwriting barriers. Macro tailwinds—rising interest rates squeezing liquidity, e-commerce-driven invoice fragmentation—amplify demand. Yet, challenges persist: regulatory scrutiny on AI lending (e.g., CFPB guidelines) and economic slowdowns curbing supplier volumes.

OneAM competes in a crowded field but carves a defensible moat:

• Direct Rivals: Factoring firms (e.g., Triumph Business Capital) dominate traditional space but lag in tech; fintech upstarts like Pipe offer revenue-based financing, though at 5-10% higher effective costs, per industry benchmarks.
• Adjacent Players: BlackLine (AP automation, $1B+ market cap) and Digits (AI bookkeeping) overlap in cash flow tools but lack OneAM’s investor-side infrastructure.
• Market Share Potential: With 367 tracked competitors, OneAM targets the underserved $1-5 million revenue SMB segment, where penetration hovers below 20%. AI adoption could capture 5-10% of the sub-$4T addressable market within five years, analysts project.

OneAM’s edge lies in its dual-sided marketplace: suppliers get affordability, investors get yield (projected 8-12% IRR on diversified portfolios). However, scaling requires navigating data privacy (GDPR/CCPA analogs) and building trust in AI models amid bias concerns.

Impact and Future Trajectory

This round catalyzes OneAM’s shift from pilot to product-led growth. Short-term, expect hires in engineering (AI specialists) and sales (vertical leads), targeting 2-3x user growth by Q2 2026. Long-term, it paves the way for Series A in 2027, potentially valuing the firm at $50-100 million if traction holds—contingent on macroeconomic stability and AI regulatory clarity.

Quotes from principals illuminate the vision:

• Ksusha McCormick: “We’re entering an era of unprecedented accessibility… For businesses whose worth was underestimated, this will mean a lower cost of capital.”
• Gardiner Garrard: “Once cash flow is unlocked, these businesses have more potential to thrive.”

Risks include execution in a funding-cautious environment (VC seed deals down 20% YoY) and dependency on enterprise payors. Upside? If OneAM captures even 1% of its TAM, it could redefine SMB finance, fostering resilient supply chains. As McCormick noted, this isn’t just funding—it’s fuel for “fairly priced working capital” in an unequal economy.

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