What Ampla Technologies does

Ampla Technologies was a Delaware-incorporated fintech company headquartered in New York that provided tech-enabled financing solutions to emerging consumer brands and small-to-medium-sized businesses (SMBs). Founded in 2019 and operating with 51–100 employees, Ampla ran an all-in-one financing platform combining growth capital products, digital banking services, financial insights analytics, and a Visa Corporate Card to address capital access, cash flow management, and working capital constraints. Its target customers were SMBs and emerging consumer brands, with publicly referenced customers including Carbone Fine Foods and Serenity Kids. In November 2022 the company acquired Upside Financing and launched Ampla Pay Later, a supply chain financing product extending payment terms of 30 to 120 days for brands and vendors in the supply chain.

Ampla's business model generated revenue through interest on credit facilities extended to consumer brands and SMBs, supplemented by transaction fees on supply chain financing products; specific pricing tiers and rates were not publicly disclosed. The company pursued a sales-led go-to-market motion targeting mid-market consumer brands domestically in the United States. Ampla was venture-backed, with equity led by a $40 million Series A in December 2021 co-led by VMG Partners and Forerunner Ventures, and was supported by substantial debt capital — including a $250 million credit facility from Atalaya Capital Management (October 2021), a $258 million facility from Goldman Sachs and Atalaya (September 2023), and a $275 million facility from Citi and Waterfall Asset Management (December 2023). Leadership included founder and CEO Anthony Santomo, Chief Revenue Officer Zachary Goodwin, and Chief Operations Officer Jim Cummings.

Ampla Technologies was acquired by FundThrough, an AI-enabled invoice factoring platform, and is no longer operating as an independent entity. Its financing capabilities have been integrated into FundThrough's digital-first invoice funding solution, where Ampla's retail and consumer brand capabilities now sit alongside FundThrough's core invoice factoring product.

Name

Ampla Technologies

Legal name

Ampla Technologies Inc.

Website

https://getampla.com

Company type

Private

Founded year

2019

Operating status

Acquired

Headcount range

51–100 employees

Short description

Ampla Technologies provided an all-in-one tech-enabled financing platform offering growth capital, digital banking, a Visa Corporate Card, and supply chain Pay Later products (30–120 day terms) to emerging consumer brands and SMBs in the United States, and was acquired by FundThrough.

Ownership category

akta.pro rank

Product category

SMB Lending & Embedded Financial Services

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Embedded finance platform
• Supply chain financing
• Growth capital lending
• Digital banking services
• Consumer brand financing

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain

Revenue model

1. Credit Facility Interest: Revenue generated from interest on credit facilities extended to consumer brands and SMBs
2. Ampla Pay Later Fees: Fees from providing extended payment terms (30-120 days) to brands and vendors in the supply chain

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Ampla Technologies provides an all-in-one tech-enabled financing platform for emerging and growth-stage consumer brands and SMBs, combining growth capital products, digital banking, an insights dashboard, and a Visa Corporate Card. Following its acquisition of Upside Financing, Ampla also offered the Ampla Pay Later product, which extends payment terms of 30-120 days to brands and supply chain vendors to preserve capital and manage cash flow.

Product overview

Ampla Technologies operates as an all-in-one financing platform for consumer brands and SMBs, offering a suite of financial solutions. The core product portfolio includes Ampla Pay Later (supply chain payment extensions acquired via Upside Financing), growth capital products, digital banking services, a Visa Corporate Card, and insights analytics. The platform is designed to provide comprehensive financial infrastructure for emerging consumer brands, combining working capital financing with banking and analytics capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Ampla Pay Later: Product providing extended payment terms for brands and vendors in the supply chain, allowing companies to pay invoices over 30 to 120 days to preserve capital and cash flow.

Products and services

• Ampla Pay Later A supply chain financing product that provides extended payment terms (typically 30-120 days) to consumer brands and their vendors, allowing companies to pay invoices over an extended period to preserve capital and manage cash flow. Originated from the acquisition of Upside Financing.
• Growth Capital Products Financing solutions designed to support the growth of consumer brands and SMBs, providing access to capital for scaling operations and managing working capital needs.
• Digital Banking Banking services integrated into Ampla's all-in-one financing platform, providing financial management tools for consumer brands and SMBs to handle cash management and operational banking.
• Visa Corporate Card A corporate card offering that provides spending flexibility and financial management capabilities for brands and SMBs using the Ampla platform.

Quantifiable outcome

• Supports SMBs facing supply chain constraints during holiday seasons

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Upside FinancingcoreStrategic or Co-development Partner · 2 November 2022Ampla acquired Upside Financing in November 2022 and launched the Ampla Pay Later product, which provides extended payment terms (30-120 days) for brands and vendors in the supply chain.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Clearco: Clearco provides growth capital and revenue-based financing to e-commerce and consumer brands, directly competing with Ampla's growth capital and Pay Later products for the same emerging brand customer.
• Pipe: Pipe offers revenue-based financing and capital solutions to SaaS and subscription businesses, sharing Ampla's model of providing tech-enabled non-dilutive capital to growth-stage companies.
• Wayflyer: Wayflyer provides revenue-based financing and cash advances to e-commerce and DTC brands, directly comparable to Ampla's growth capital and Pay Later offerings for emerging consumer brands.
• Fundbox: Fundbox offers working capital, invoice financing, and SMB credit products—closely overlapping with Ampla's growth capital and Pay Later (invoice-based extended terms) capabilities for SMBs.

Broad incumbents

• Stripe Capital: Stripe Capital provides embedded financing to businesses using Stripe payments, offering a much broader merchant base than Ampla but competing for the same growth-stage merchant credit opportunity.
• Shopify Capital: Shopify Capital extends cash advances and loans to Shopify merchants, overlapping with Ampla's consumer brand focus but at significantly larger scale through Shopify's ecosystem.
• BlueVine: BlueVine offers SMB banking, lines of credit, and invoice factoring, overlapping with Ampla's digital banking and working-capital offerings but serving a broader SMB base.
• OnDeck: OnDeck provides term loans and lines of credit to small businesses, competing with Ampla's growth capital offering for SMBs though without Ampla's consumer-brand specialization.

Emerging players

• Parafin: Parafin provides embedded financing capital to small businesses via software platforms, addressing a similar SMB capital-access pain point as Ampla but via a platform/embedded distribution model.

Others

• FundThrough: FundThrough is the parent company that has acquired Ampla; it provides AI-enabled invoice factoring for SMBs, making it a direct downstream owner and product-line complement to Ampla's Pay Later offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/getampla
• LinkedInlinkedin.com/company/getampla

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors12 records

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

M&A1 record

Investments

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

Frequently asked questions about Ampla Technologies