Finacity

What Finacity does

Finacity Corporation is a privately held, Stamford-headquartered financial services firm founded in 2001 by Adrian Katz, operating as a subsidiary of White Oak Global Advisors under the brand "Finacity, a White Oak Company." The company specializes in structuring, arranging, and administering receivables securitization and broader working capital solutions for large multinational corporations, mid-market companies, and specialty finance clients across 212 debtor countries and territories. Its service set spans Accounts Receivable Securitization, Trade Receivables Securitization, Consumer Receivables Financing, Supplier and Payables Finance, Back-up Servicing, and IFRS/GAAP off-balance sheet structuring, supported by a proprietary multi-currency, multi-lingual reporting platform that processes up to 85 million accounts receivable items per year and supports SOC-1 compliant and ESMA-compliant reporting.

The firm earns revenue through a mix of transaction-based structuring fees, ongoing master servicing and administration fees, and junior investment participation via its Finacity Asset Management subsidiary, with pricing negotiated per transaction and contracts typically running multi-year. Its GTM is sales-led and relationship-driven, with a globally distributed origination team based in Stamford, Lyon, Prague, and Singapore that cultivates enterprise clients in sectors including shipping, automotive, agribusiness, pharmaceuticals, manufacturing, and chemicals, while maintaining relationships with hundreds of bank and non-bank funding providers globally. Cumulative funded receivables exceed $1 trillion over the past five years, with annual flow above $200 billion and back-up servicing coverage of over $92 billion in annual trade receivables.

The technology stack is a proprietary cloud-based execution and reporting platform offered as both internal infrastructure and a white-label solution, with capabilities including automated daily/weekly/monthly reporting, fraud detection, multi-currency data ingestion, and integration with ESMA reporting templates. Recent strategic activity emphasizes expansion in Latin America (Mexico-domiciled programs across multiple issuers), addition of tier-1 European and U.S. bank funding partners (MUFG, Santander CIB, Capital One, KKR), and productization of platform technology. The leadership bench — drawn from Smith Barney, Prudential Securities, JP Morgan, RBS, Barclays, Deutsche Bank, ABN AMRO, VTB, Natixis, and Citigroup — provides deep origination coverage across jurisdictions and asset classes.

Name

Finacity

Legal name

Finacity Corporation

Website

https://finacity.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Finacity is a privately held, Stamford-headquartered financial services firm that structures, arranges, and administers receivables securitization and working capital solutions for multinational corporations, mid-market companies, and specialty finance clients across 212 countries, operating as a subsidiary of White Oak Global Advisors.

Ownership category

akta.pro rank

Product category

Receivables Securitization & Structured Finance Services

NAICS

Nondepository Credit Intermediation (5222), Sales Financing (522220), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Asset-Backed Securities (6189), Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement) (FSAGAIAK)

Keywords

• Receivables securitization
• Structured trade finance
• Working capital solutions
• Capital markets funding
• Receivables administration

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Structuring Agent Fees: Finacity earns fees as structuring agent for arranging and structuring securitization transactions, providing analytic and structuring support for clients.
2. Master Servicing and Administration: Ongoing program administration and reporting fees for managing securitization programs, including daily, weekly, and monthly reporting, cash disbursements, and trigger monitoring.
3. Receivables Purchase/Securitization: Facilitation of receivables funding through SPVs, where Finacity arranges capital markets funding for clients against their receivables portfolios.
4. Junior Investment Participation: Finacity Asset Management provides subordinated note investments to achieve off-balance sheet treatment for IFRS transactions, earning investment returns.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

Finacity provides structuring, administration, and reporting services for receivables securitization transactions globally. The company arranges non-recourse funding against client receivables portfolios through Special Purpose Vehicles (SPVs), delivers ongoing program administration and master servicing, and operates proprietary technology for multi-currency receivables tracking, SOC-1 compliant reporting, and ESMA regulatory disclosures.

Product overview

Finacity is a global leader in working capital solutions specializing in receivables securitization and structured finance. The company operates as a platform providing core securitization services (Accounts Receivable Securitization, Trade Receivables Securitization, Consumer Receivables Financing) alongside supporting service modules (Program Administration, Back-up Servicing, SOC-1 Compliant Reporting, ESMA Reports). The offering includes alternative liquidity solutions (Portfolio Factoring, Forfaiting, Asset-based Loans) and proprietary technology (White-Label Cloud Platform) for reporting and execution. Finacity facilitates over $200 billion in annual receivables volume across 212 countries and territories.

Differentiator

Problem solved

Functional benefit

Products and services

• Accounts Receivable Securitization Structured financing solution that enables companies to raise capital against portfolios of specific receivables on a non-recourse basis through Special Purpose Vehicles (SPVs). Designed for multinational corporations needing working capital optimization.
• Trade Receivables Securitization Securitization mechanism for companies to raise capital against trade receivables portfolios, typically involving periodic legal true sale to SPVs with collateral backing. Targeted at companies with trade receivables across global markets.
• Consumer Receivables Financing Custom-designed transactions for financing consumer and alternative asset classes including auto loans, leases, dealer financing, and revolving consumer receivables. Designed for non-bank financial institutions and specialty finance companies.
• Supplier and Payables Finance Working capital solutions that enable companies to optimize payment terms with suppliers through structured payables auction management and supply receivables purchase facilities. Designed for corporate buyers and their suppliers.
• Program Administration Full range of accounts receivable reporting and administration including invoice verification, fraud detection, dispute resolution, and customized daily/weekly/monthly reporting. Used by issuers and investors in securitization programs.
• Back-up Servicing Alternate collection agent services with cold, warm, and hot back-up servicing positions, providing funding sources with greater comfort and insight on investments. Explicit back-up servicing supports over $92 billion in annual trade receivables.
• Portfolio Factoring Alternative liquidity solution with or without recourse for receivables portfolios. Used by corporate clients seeking working capital solutions outside of traditional securitization structures.
• Asset-based Loans Collateral-backed lending solutions that may include inventory financing alongside receivables. Used by companies requiring secured working capital facilities.
• Forfaiting Purchase of receivables at a discount from exporters without recourse. Used by exporters seeking immediate liquidity against their trade receivables.
• Secured Pre-export/Structured Trade Finance Facilities Structured trade finance solutions for pre-export financing needs. Targeted at exporters and commodity traders needing pre-shipment liquidity.
• White-Label Cloud Platform Proprietary cloud-based reporting and execution platform offered as a white-label solution for clients, supporting multi-currency and multi-lingual data processing for receivables securitization programs.
• Supply Financing Facilities Working capital solution for supply chain financing needs, enabling corporates to extend payment terms to suppliers while providing early payment options to suppliers.

Quantifiable outcome

• Funded over $1 trillion in receivables over the last 5 years
• +3 more outcomes

Named customers16 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered minor and supporting.

• PCR Verum, Calificadora de ValoresminorOthers · 1 June 2025PCR Verum assigned a local 'AAA' rating with stable outlook to Pochteca's MXN 350 million securitization transaction.
• Hyperion Materials & TechnologiesminorOthers · 1 October 2024Finacity facilitated increase of Hyperion's Accounts Receivable Securitization Program from $40 million to $45 million, adding three additional US entities and one European entity to the program.
• Trade Credit Insurance PartnerssupportingTechnology or IntegrationFinacity works with trade credit insurance partners to develop proprietary trade credit insurance policies that increase liquidity by allowing advances against foreign receivables and weaker credits that would otherwise be ineligible, and to address customer concentration issues.
• Back-up Servicing PartnerssupportingStrategic or Co-development PartnerPartners provide call center infrastructure, reprographics support, local human capital, and linguistic and tactical assets required for back-up servicing capabilities ranging from cold to hot positions.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Demica: London-based fintech platform providing receivables securitization and working capital solutions for corporates and banks. Closely comparable business model to Finacity — structures and administers receivables-backed facilities globally, competing for similar mid-market and enterprise clients.
• Orbian: Supply chain finance platform operating a working capital network that finances receivables for large corporates. Comparable to Finacity in providing non-recourse receivables funding via SPV structures and serving as an intermediary between corporates and institutional funders.
• PrimeRevenue: Atlanta-based supply chain finance platform enabling banks and funders to provide receivables-backed financing to suppliers of large buyers. Overlaps with Finacity on trade receivables financing, multi-currency support, and serving multinational enterprise clients.
• Taulia: Working capital management platform (acquired by SAP) offering supply chain finance, dynamic discounting, and receivables solutions. Comparable to Finacity in serving mid-market and enterprise clients with structured receivables and payables solutions, though more technology-led in delivery.
• C2FO: Global working capital marketplace connecting corporates with funding partners for receivables acceleration. Comparable to Finacity in providing enterprise receivables financing at scale, though C2FO's marketplace model differs from Finacity's traditional securitization structuring approach.
• Tradewind International: Stuttgart-based trade finance company specializing in receivables purchasing and structured trade finance. Direct competitor in cross-border receivables financing, particularly relevant given Tradewind's prior employment relationship with Finacity's origination team (Emilio Estevez).
• Stenn International: London-based trade finance provider offering receivables financing and working capital solutions to mid-market exporters and importers. Comparable to Finacity in cross-border trade receivables financing and use of alternative funding structures for emerging market obligors.

Emerging players

• Marco Polo Network: Blockchain-based trade finance network connecting corporates, banks, and logistics providers for receivables financing and open account trade. Represents the emerging fintech-style approach to the same receivables financing market where Finacity operates, though at earlier commercialization stage.

Broad incumbents

• HSBC Trade and Receivables Finance: Global bank's trade finance and receivables division offering supply chain finance, securitization, and factoring. Competes with Finacity across enterprise clients, particularly those with cross-border receivables needs; advantage of balance sheet capacity, disadvantage of less specialized structuring.
• JPMorgan Supply Chain Finance: Major bank's working capital and supply chain finance franchise offering receivables discounting, payables finance, and securitization. Competes with Finacity for the largest multinational clients; represents the balance-sheet-funded incumbent model against Finacity's capital-markets-intermediated approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/finacity-corporation
• Facebookfacebook.com/finacity-corporation-166756053349866

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments3 records

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

Frequently asked questions about Finacity