A business can be profitable and still struggle to secure financing. A company operating internationally can face delays moving money across borders. A property owner can have reliable rental income but lack cash for improvements.
Fintech companies are developing solutions to these challenges, from commercial lending and international payments to compliance and working capital.
Here are seven companies changing how businesses access and manage money, along with their reported operating milestones.
CollateralEdge: Helping Banks Finance Commercial Loans That Might Otherwise Be Declined
A company can generate reliable revenue and have a viable expansion plan while still falling short of a bank’s collateral requirements.
Dallas–Fort Worth-based CollateralEdge, led by co-founder and CEO Joe Beard, helps community and regional banks address that gap. Rather than lending directly to businesses, it provides additional collateral support that banks can use when structuring qualifying commercial loans.
Its BankersEdge platform allows lenders to evaluate and price collateral support provided through a standby letter of credit. The bank retains its lending relationship and underwriting responsibilities.
In one published case study, CollateralEdge helped a Texas commercial bank finance an $11 million acquisition involving an industrial products company. The structure included a $2.4 million collateral letter of credit to address the bank’s underwriting concerns.
CollateralEdge reports issuing more than $20 million in collateral support, quoting over $150 million in commercial loan volume, and bringing more than 50 banks onto its platform.
For borrowers, the benefit can be access to financing that might otherwise be difficult to secure. For banks, the product offers additional credit support while allowing them to maintain their existing underwriting standards.
Cadana: Powering International Payments for Workforce Platforms
Paying an international workforce involves more than converting currencies. Companies must navigate local banking systems, payment methods, payroll requirements, and compliance obligations.
New York-based Cadana, co-founded by Albert Owusu-Asare and Ameer Shujjah, develops infrastructure that allows workforce platforms to manage these processes through APIs, software components, and white-label products. Its offering targets talent marketplaces, staffing platforms, payroll providers, and other businesses serving international workers.
The platform combines workforce payments with contractor management and employer-of-record capabilities. Its infrastructure supports multicurrency wallets, local payment routing, payouts, reconciliation, and related compliance functions.
Cadana reports processing more than $1 billion in transactions and supporting payments across more than 100 countries.
By embedding these capabilities into existing workforce platforms, Cadana helps businesses manage international compensation without relying on separate payment providers for every market.
Ryse: Turning Future Rental Income Into Working Capital
Rental property owners can have predictable income and still face immediate cash-flow constraints. Repairs, renovations, acquisitions, and unexpected expenses may require funding long before monthly rent payments accumulate.
New York-based Ryse, co-founded and led by CEO Sean Mitchell, allows qualifying owners to receive cash upfront in exchange for a portion of their future rental payments. The company describes the arrangement as a sale of future rent rather than a conventional loan.
The product is distributed through property managers, who introduce eligible owners to the service while continuing to manage their properties. This approach creates an additional financing option for property owners while allowing managers to offer a service that supports their clients’ financial needs.
Ryse’s website reports more than $109 million funded across more than 19,100 rent advances.
In September 2026, Mitchell announced that the company had crossed $100 million in funded advances. The first $50 million took 17 months, while the next $50 million took just four months, highlighting the company’s accelerating funding activity.
By connecting financing to future rental income, Ryse is developing an alternative source of working capital for property owners who need access to funds before rent payments arrive.
Anchor: Helping Businesses Build Financial Services Into Their Products
Launching a financial product requires more than developing an application. Businesses must connect with banking partners, integrate payment systems, manage compliance requirements, and build the technology needed to move and account for money.
Lagos-based Anchor, co-founded and led by CEO Segun Adeyemi, provides banking-as-a-service infrastructure that helps businesses bring those components together. Founded in 2022, the company enables businesses to integrate accounts, payments, wallets, and other financial capabilities into their own products through APIs rather than developing every component independently.
The model serves fintech startups as well as established businesses adding financial services to their platforms.
Anchor reported processing more than ₦1 trillion in transactions during 2024, with revenue increasing fivefold. In its 2025 year-in-review, the company reported more than $2.5 billion in cumulative transaction volume and over 1,000 businesses onboarded across 18 countries.
For businesses building financial products, Anchor provides the underlying connections and systems while allowing its customers to focus on developing and delivering their services. Banking services are provided through its partner banks.
Lenkie: Financing Business Expenses Before Revenue Arrives
Growth often creates expenses before it produces additional revenue. A retailer may need inventory ahead of seasonal demand. A manufacturer may need to pay suppliers before completing an order. A company that wins a large contract may need working capital to deliver it.
London-based Lenkie, co-founded by Sanjeev Jeyakumar and Nnaemeka Obodoekwe, provides financing designed around those timing gaps.
Its Grow Now, Pay Later product allows eligible businesses to finance supplier invoices through facilities of up to £1 million, with repayment periods of one to twelve months. The product connects financing directly to supplier payments, helping businesses manage expenses associated with growth.
Lenkie reported 24% growth in its loan book and a 22% increase in active customers in the first quarter of 2026.
Its quarterly update highlighted financing facilities including £1 million for a food and beverage ingredients company, £750,000 for a media business, and £500,000 for an automotive accessories company.
These facilities supported activities such as purchasing stock, securing bulk discounts, fulfilling contracts, and increasing inventory.
Lenkie’s approach addresses a common challenge for growing businesses: securing capital when commercial opportunities arise rather than waiting for revenue to arrive.
Kord: Bringing Compliance and Payments Into One Business Workflow
For law firms, conveyancers, property businesses, and financial services providers, substantial work often takes place before money changes hands.
Organizations must verify identities, conduct anti-money-laundering checks, collect documents, and maintain records. When those activities sit in disconnected systems, employees may repeat work and customers may face delays.
London-based Kord, founded and led by CEO James Owusu, combines client onboarding, identity verification, compliance checks, document handling, and payment-related workflows within one platform. Its offering includes tools for legal and property professionals, including client-funds management, reconciliation, and audit trails.
The business-facing platform developed from Checkboard, whose name remains in use for the consumer-facing app.
In July 2026, Kord raised £6.4 million in Series A financing led by Guinness Ventures, with participation from Beringea and other investors.
In an August 2026 interview, Owusu said the company’s revenue had grown from approximately £600,000 to nearly £4 million over the preceding year. Kord also serves more than 100 businesses across the legal, property, and financial sectors.
By bringing compliance and payment processes into one system, Kord aims to reduce administrative work, streamline transactions, and help regulated businesses manage their operations more efficiently.
Oneremit: Supporting International Business Payments
An importer paying an overseas supplier must manage more than the purchase price. Currency conversion, banking intermediaries, transaction fees, and settlement timelines can all affect when an order is fulfilled and how much it ultimately costs.
Founded in 2024 by Hammed Afenifere, Oneremit operates across Nigeria, Canada, and the United States, providing cross-border payment services for businesses, including importers, exporters, distributors, and companies in agriculture, pharmaceuticals, automotive trade, and freight.
During its first 18 months, Oneremit reported processing more than $200 million in outgoing transactions. The company has registered more than 1,000 businesses and offers payment coverage across more than 100 countries.
Its services support payouts in eight currencies: U.S. dollars, British pounds, euros, Canadian dollars, Australian dollars, UAE dirhams, Kenyan shillings, and South African rand.
Oneremit operates through a combination of licenses, registrations, and licensed financial partners. These include a Nigerian International Money Transfer Operator (IMTO) license, Canadian registrations, and U.S. Financial Crimes Enforcement Network (FinCEN) money services business registration, with U.S. remittance services provided through licensed financial institutions.
The company’s platform is designed to simplify international business payments, helping companies manage cross-border transactions and move funds more efficiently.
Together, these companies illustrate how fintech is becoming more specialized, addressing specific challenges in lending, payments, compliance, and cash flow. Their approaches differ, but each reflects an effort to better suit financial services to how businesses operate.
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Editor’s note: This article draws on company disclosures, founder statements, investor materials, and published reporting available as of October 22, 2026. Operating figures cover different reporting periods and are attributed to their sources.
