Receive

What Receive does

Receive Corp. is a New York-based fintech founded in 2022 that provides "earned revenue access" to small and medium-sized businesses, converting pending receivables into immediate spending power via a business Mastercard. The core product, the Receive Business Mastercard, is issued by Patriot Bank, N.A. under a Mastercard license and features zero fees, zero interest, no credit check, and automatic repayment from a linked bank account when funds settle. The platform is differentiated by a real-time sales revenue analysis engine that ingests transaction data from integrated commerce and payment systems—Amazon, Shopify, Stripe, Etsy, Square, PayPal, and BigCommerce—and dynamically assigns spending limits based on actual business revenue rather than fixed credit lines or personal credit scores.

The company's go-to-market runs on two parallel motions: a product-led, self-serve SMB acquisition funnel via nowreceive.com with integration-driven discovery, and a B2B white-label channel targeting SaaS platforms, POS providers, payment processors, e-commerce platforms, and marketplaces. The Titanium Boost Business Mastercard, launched in July 2025 with Titanium Payments, is the first deployed white-label instantiation. Revenue is not publicly disclosed but is understood to be generated through interchange and transaction fees on Mastercard spend, supplemented by white-label licensing arrangements in which partners earn a share of transaction revenue.

Receive has raised approximately $7.14 million across two seed rounds, the most recent being a $4 million round in July 2025 led by NGVP (NextGen Venture Partners), with earlier participation from Blank Ventures, Soma Capital, and Verissimo Ventures. The company operates with 1–10 employees, is a member of the Electronic Transactions Association, and is domiciled in the United States with no disclosed international footprint.

Name

Receive

Legal name

Receive Corp.

Website

https://nowreceive.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Receive is a New York-based fintech that converts small businesses' pending e-commerce and payment receivables into real-time spending power through a zero-fee Mastercard issued by Patriot Bank, N.A.

Ownership category

akta.pro rank

Product category

SMB Cash Flow and Earned Revenue Access

NAICS

Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Issuer/Network-Led Installments (Card-Based Pay-Over-Time) (FSAGAIAB)

Keywords

• Earned revenue access
• SMB cash flow solutions
• Business credit cards
• Receivables financing
• White-label card programs

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Marketing or Sales, Operations, Personnel, Infrastructure

Revenue model

1. Interchange / Transaction Fees: Earn incremental revenue each time a branded Receive Business Mastercard is used, likely through interchange fees paid by merchants on each transaction. For white-label partners, the partner earns a share of transaction revenue generated when their customers use the co-branded card.
2. White-Label Licensing: White-label card and dashboard licensing to partners including SaaS platforms, POS providers, payment processors, e-commerce platforms, and marketplace platforms. Partners pay no integration or balance sheet costs but generate revenue per card usage.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Receive provides small and medium-sized businesses with real-time access to earned-but-not-yet-received revenue through the Receive Business Mastercard®, issued by Patriot Bank, N.A. The platform connects to e-commerce and payment platforms (Amazon, Shopify, Stripe, Etsy, Square, PayPal, BigCommerce) to analyze sales data and determine dynamic spending power based on actual receivables, with no credit checks, fees, or interest.

Product overview

Receive offers a single core product—the Receive Business Mastercard®—a business credit card that provides small businesses with real-time access to funds from their receivables before customers pay. The platform analyzes sales data to dynamically determine spending power. Users connect their sales platforms (such as Amazon, Shopify, Stripe, Square, PayPal, Etsy, or BigCommerce) to access funds. The company also offers a white-labeled version called the Titanium Boost Business Mastercard, launched via partnership with Titanium Payments. Both products feature zero fees, no interest, and no credit checks.

Differentiator

Problem solved

Functional benefit

Products and services

• Receive Business Mastercard® A business credit card issued by Patriot Bank, N.A. (Member FDIC) in partnership with Mastercard that provides small business owners real-time access to spending power from their receivables, enabling them to fund business growth before customer payments arrive. The card features zero fees, no interest, no credit checks, with both physical and virtual card options including Apple Pay integration.
• Titanium Boost Business Mastercard A white-labeled version of the Receive business card launched in partnership with Titanium Payments, designed to enable SMBs to access earned revenue in real-time with no interest or credit checks.
• White-Label Card Program A white-label card and dashboard solution allowing partners such as SaaS platforms, POS providers, payment processors, e-commerce platforms, and marketplace platforms to offer custom-branded liquidity products to their SMB customers without integration complexity or balance sheet requirements. Partners earn incremental revenue per card transaction.

Quantifiable outcome

• Amazon seller reported a ~30% increase in bottom line after using Receive to purchase inventory and ad space
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core.

• Titanium PaymentscoreTechnology or Integration · 17 July 2025Titanium Payments partnered with Receive to co-launch the Titanium Boost Business Mastercard, enabling SMBs to access earned revenue in real-time. The product converts pending sales into spending power without interest or credit checks. Receive raised its seed round in conjunction with this launch.
• Patriot Bank, N.A.coreOEM/ Whitelabel/ Licensing PartnerPatriot Bank, N.A. issues the Receive Business Mastercard pursuant to a Mastercard International license. Receive is not a bank; Patriot Bank provides the banking charter and card issuance infrastructure while Receive provides the technology, analytics, and customer interface.
• AmazoncoreTechnology or IntegrationAmazon is one of the e-commerce platforms integrated with Receive's platform. SMBs can connect their Amazon seller account to provide receivables data, enabling Receive to analyze sales revenue and determine dynamic spending power.
• ShopifycoreTechnology or IntegrationShopify is integrated with Receive's platform, allowing Shopify merchants to connect their store data for receivables analysis and spending power determination.
• StripecoreTechnology or IntegrationStripe is integrated with Receive's platform, enabling businesses using Stripe for payment processing to connect their transaction data for real-time revenue analysis.
• EtsycoreTechnology or IntegrationEtsy is integrated with Receive's platform, allowing Etsy sellers to connect their sales data for receivables-based spending power assessment.
• SquarecoreTechnology or IntegrationSquare is integrated with Receive's platform, enabling Square-using businesses to connect their sales data for dynamic spending power determination.
• PayPalcoreTechnology or IntegrationPayPal is integrated with Receive's platform, allowing PayPal-using businesses to connect their transaction data for receivables-based spending power.
• Big CommercecoreTechnology or IntegrationBig Commerce is integrated with Receive's platform, enabling Big Commerce merchants to connect their e-commerce sales data for real-time revenue access.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Pipe: Pipe converts recurring revenue streams (MRR, contracts) into upfront capital for SaaS and subscription businesses. Comparable to Receive in its revenue-to-liquidity conversion model, though Pipe's primary customer profile is SaaS rather than e-commerce SMBs.
• Resolve AI: Resolve provides working capital and B2B payments for SMBs, including dynamic credit limits tied to receivables and revenue streams. Comparable to Receive's receivables-driven spending-power model.
• Ramp: Ramp is a leading SMB spend and corporate-card platform that has expanded into revenue-based working-capital products and bill pay. It directly competes with Receive in serving e-commerce and SMB customers with spend-card solutions, though at significantly larger scale.
• Outfund: Outfund provides revenue-based financing to e-commerce and DTC brands, converting sales into working capital. Comparable to Receive's earned-revenue-access value proposition for e-commerce SMBs.
• Clearco: Clearco provides revenue-based financing to e-commerce and SaaS businesses, converting sales into working capital without equity dilution. Comparable to Receive's revenue-access model for SMBs with predictable receivables.
• Brex: Brex is a corporate card and spend management platform with embedded working-capital offerings and direct integrations to e-commerce/payment platforms. Comparable to Receive in target customer (SMB/e-commerce), core product (business Mastercard), and receivables-aware underwriting.
• Arc: Arc offers revenue-based financing and a spend product for SaaS and SMBs, similar in concept to Receive's earned-revenue-access model. Both convert predictable revenue streams into available capital for business operators.
• Karat Financial: Karat Financial issues business credit cards to creators and SMBs with underwriting tied to revenue and platform payouts. Directly comparable to Receive's revenue-driven Mastercard model targeting online sellers.

Others

• Titanium Payments: Titanium Payments is a payments partner that co-launched the Titanium Boost Business Mastercard white-label program with Receive. Comparable as an embedded-finance distribution partner and adjacent payments infrastructure player in the SMB card ecosystem.
• Lithic: Lithic is a card-issuing infrastructure provider that enables fintechs to launch card programs via API. Visible on the Receive homepage as a partner, suggesting Lithic may provide adjacent card-rails infrastructure comparable to the issuing services Patriot Bank provides to Receive.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/NowReceive
• LinkedInlinkedin.com/company/nowreceive

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Receive