OatFi is a financial technology startup that specializes in providing lending solutions for businesses. The company operates in the fintech sector, focusing on helping businesses offer credit products without taking on the associated risks. OatFi's primary clients are businesses that want to provide credit to their customers but lack the infrastructure or expertise to manage the complexities of credit underwriting, funding, servicing, and collections.

OatFi's business model revolves around a high-margin lending product that allows businesses to increase their customers' lifetime value (LTV). By partnering with OatFi, businesses can offer credit products to their customers without owning the credit risk. This is achieved through OatFi's comprehensive suite of services, which includes underwriting (assessing the risk of lending), funding (providing the money for loans), servicing (managing the loan process), and collections (recovering the money if a customer doesn't pay back the loan).

The company makes money by charging fees for its services, which are tied to the total payments volume processed through its platform. This means that as businesses grow and process more transactions, OatFi's revenues also increase. Additionally, OatFi helps businesses monetize their payments by offering lending products that generate transactional revenues without adding risk.

In summary, OatFi enables businesses to offer credit products seamlessly and profitably, handling all the backend responsibilities while allowing their clients to focus on their core operations.

Keywords: fintech, lending solutions, credit products, underwriting, funding, servicing, collections, high-margin, risk-free, transactional revenues.