GigSafe needed to unlock working capital at the point of payment for its contingent workforce users. It had a history of supporting 200,000+ independent contractors through its predecessor, Para. It also operated within the $35 trillion U.S. B2B payments market, where payment timing could limit contractor access to funds. GigSafe partnered with a financing provider to launch an early pay program for 1099 workforces. GigSafe handled compliance, onboarding, and payment processing. The partner supplied underwriting, capital, ledger infrastructure, and repayment systems. The program delivered immediate payouts for contractors at the point of payment. GigSafe leveraged a network with 25+ platform integrations to support the rollout. The solution addressed payment access within the $35 trillion U.S. B2B payments market while building on GigSafe’s prior support of 200,000+ independent contractors.

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GigSafe, a payments platform for contingent workforces, had a history of supporting 200,000+ independent contractors through its predecessor Para. It sought to unlock working capital at the point of payment within the $35 trillion U.S. B2B payments market. The goal was to provide industry-standard payment terms for businesses while also offering contractors earlier payout options. It also needed a scalable approach that could accelerate onboarding of 1099 workforces. GigSafe partnered to embed working-capital infrastructure directly into its payments platform. GigSafe handled compliance, onboarding, and payment processing for 1099 workforces. The partner supplied underwriting, capital, ledger infrastructure, and repayment systems. This division of responsibilities allowed each party to focus on its core competencies while enabling credit programs tied to payments. The implementation enabled contractors to access immediate payout flexibility while maintaining standard payment terms for businesses. Businesses gained a path to scale credit programs and transaction volume through the embedded approach. The collaboration accelerated onboarding of 1099 workforces across a network of 25+ platform integrations. The partnership also expanded access to point-of-payment working capital within a $35 trillion U.S. B2B payments market opportunity.

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Lawtrades faced a significant cash flow mismatch between paying legal talent promptly and collecting from enterprise clients on industry-standard terms. Legal talent required fast payment for completed work, while clients expected 30–90+ day payment windows. This timing gap forced Lawtrades to finance the float themselves. The strain constrained growth and pressured working capital. An embedded net terms offering was implemented to address the mismatch. Client creditworthiness was automatically underwritten upon platform onboarding. Payout accounts were programmatically funded in real time when invoices were submitted. The solution integrated directly into the Lawtrades platform via API and avoided traditional lending friction like assignment notices or third-party disbursements. Clients gained flexible payment options while keeping industry-standard terms. Lawtrades optimized its working capital position and removed the financing burden from its balance sheet. Legal talent received prompt compensation despite extended client payment windows. The partnership supported continued business growth for both parties.

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Flychain’s healthcare provider customers faced prolonged cash flow constraints from insurance reimbursement cycles that typically took 45–60 days. Additional delays from claim processing issues further extended the time to receive funds. These gaps forced providers to sacrifice growth or risk missing payroll when reimbursements arrived too late. Flychain integrated credit infrastructure to launch an AR line of credit product that enabled claims financing for healthcare providers. The solution used a hybrid credit approach that combined insurance claim billing data and real-time data streams with traditional SME underwriting to price risk more accurately. It also included APIs that supported daily interest fee accruals and batch-based loan settlements to keep the customer experience frictionless. The implementation resulted in a successful product launch that delivered a robust working capital option for providers. It helped Flychain expand its provider base and increase revenue, while offering more accessible financing options. The product also strengthened customer trust by giving providers a practical way to manage long reimbursement cycles.

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Order.co needed to offer customers flexible net terms while keeping vendor spend centralized across physical locations. It faced significant capital requirements to support payment float. It also lacked key infrastructure such as risk frameworks and underwriting models. Payment execution was complex across multiple rails. Order.co implemented an end-to-end credit solution through APIs to enable net terms for its customers. The implementation included automated underwriting for accounts payable use cases. It also supported payments across multiple rails, including ACH, Stripe Connect, and card networks. This approach helped address the prior gaps in credit and payment infrastructure. Order.co launched flexible payment terms with 30-, 45-, and 60-day extensions. The solution supported payments across multiple rails to simplify execution. It created a new revenue channel through payment monetization. It also freed engineering resources to focus on core product development.

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Unit faced a critical challenge helping B2B fintech and SaaS companies launch commercial charge card programs. These companies encountered regulatory hurdles, banking sponsorship requirements, and complex credit network integrations. Even as card issuing platforms improved time-to-market, customers still had to build a complete credit stack. That requirement made launching a charge card program a substantial undertaking. Unit implemented an integrated commercial charge card approach with a partner. Card receivables were batched daily and purchased through a joint funding account. Unit managed banking relationships, compliance, and risk oversight, while the partner handled underwriting, origination, funding, servicing, and collections. An API-first infrastructure enabled data exchange and continuous transaction processing. The implementation delivered a complete commercial charge card solution for B2B platforms. Programs launched in under three months, reducing time-to-market versus building the stack in-house. The approach also reduced development costs compared to internal build alternatives. The integrated model supported efficient program launches at scale.

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Order.co needed to offer flexible payment terms to customers while keeping vendor spending centralized. The team faced significant capital requirements to cover payment float. They also lacked core credit infrastructure, including a risk framework and underwriting models. Managing payments across multiple rails added further complexity. Order.co implemented an end-to-end credit solution through APIs to support monthly accounts payable. Automated underwriting was used to evaluate customers and extend terms. Fund flows were handled through reserve and funding accounts. Customer repayments were processed through Stripe Connect to streamline collections. The implementation eliminated the need to build credit infrastructure in-house. Credit risk exposure was reduced to zero. Engineering resources were freed up to focus on customer acquisition and product development. The platform also created a new revenue channel by monetizing payments.

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Lawtrades faced a significant cash flow mismatch between paying legal talent promptly and collecting from enterprise clients on industry-standard net terms. Legal talent required payment for completed work quickly, while clients expected 30–90+ day payment windows. This timing gap forced Lawtrades to finance the float, which constrained growth and strained working capital. An embedded net terms offering was implemented to address the mismatch. The solution automatically underwrote customers for creditworthiness and funded payments in real time upon invoice submission. It was delivered through an API integration designed to create a seamless embedded experience. The implementation enabled Lawtrades to support 30–90+ day payment terms for enterprise clients while still providing real-time payment funding to legal talent upon invoice submission. It improved Lawtrades’ working capital position by reducing the operational impact of the timing gap. It also removed the need for Lawtrades to carry the financing burden on its balance sheet.

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