OneAM
OneAM is an innovative platform that transforms accounts receivable into cash within days, setting a new industry standard for early pay. They connect businesses selling receivables with sophisticated institutional investors, offering a faster and more business-friendly alternative to traditional factoring and other early pay options. Their platform leverages data science, AI/ML techniques, and quantitative modeling to provide deep insights into the quality and risk of receivables, enabling smarter investment decisions for capital providers. For business owners, OneAM offers immediate capital to fund operations and growth, allowing them to sell eligible invoices flexibly and get paid early, without setup fees, late fees, or hidden charges. Their mission is to provide businesses with healthy cash flow solutions, focusing on growth and profitability.
OneAM
OneAM is an innovative platform that transforms accounts receivable into cash within days, setting a new industry standard for early pay. They connect businesses selling receivables with sophisticated institutional investors, offering a faster and more business-friendly alternative to traditional factoring and other early pay options. Their platform leverages data science, AI/ML techniques, and quantitative modeling to provide deep insights into the quality and risk of receivables, enabling smarter investment decisions for capital providers. For business owners, OneAM offers immediate capital to fund operations and growth, allowing them to sell eligible invoices flexibly and get paid early, without setup fees, late fees, or hidden charges. Their mission is to provide businesses with healthy cash flow solutions, focusing on growth and profitability.
TL;DR
Product: OneAM Early Pay — convert accounts receivable into cash in days
Founders / Leadership: Co-founders Ksusha McCormick (CEO) and Charlotte Ng (CPO)
Target customers: Small and midsized businesses and institutional capital providers
Recent funding: $4.7M seed round closed Oct 2025
Company Overview
Problem Domain
SMB cash flow and receivables financing
Industry
Fintech / Financial services
Funding Track Record
$4,700,000
Announced closed in October 2025 per founders' year-end note.
Investor Signal
“Operates with a network of sophisticated capital providers that fund transactions on the platform”