NEW YORK – October 23, 2025 – OneAM, the category-defining early pay solution for a $4 trillion segment of the U.S. economy, today announced it has raised a $4.7 million seed round led by TTV Capital, with participation from Correlation Ventures, ThirdStream Partners, and early-stage private investors. The company is among the first to use AI and machine learning to underwrite fragmented receivables at scale, turning working capital into an investable asset class for quantitative investors.
OneAM was built to solve a longstanding inefficiency in B2B commerce: the working capital gap that burdens more than 300,000 small and midsize suppliers to large enterprises. These businesses form the backbone of the U.S. economy, yet are often forced into unfavorable payment terms by the very companies that rely on them. OneAM’s Early Pay platform combines the accessibility and speed of fintech with the sophistication of institutional credit, giving these businesses fairer, more efficient access to capital. OneAM is already serving a growing base of small and midsize businesses across technology, energy, professional services, and media. These companies are using OneAM to accelerate payment cycles and fuel business growth while reducing dependency on high-cost, rigid financing solutions.
“We're entering an era of unprecedented accessibility and usability of data,” said Ksusha McCormick, Co-Founder and CEO of OneAM. “This facilitates the application of quantitative pricing and risk management techniques to previously opaque markets. For businesses whose worth was underestimated by the old methods, this will mean a lower cost of capital.”
At the core of OneAM’s solution is a sophisticated infrastructure designed for quantitative capital providers. The platform transforms fragmented receivables into a standardized, investable product, enabling scalable underwriting of an asset class that is large, inefficient, and difficult to access, where the data sources are heterogeneous and where modeling requires the use of both classical and AI/ML techniques. Portfolios generated using OneAM’s origination engine provide highly diversified exposure to both supplier and payor risk.
“Small and midsize suppliers have struggled to gain access to competitively priced working capital for decades, simply because the technology was not advanced enough to underwrite and appropriately value these types of receivables,” said Gardiner Garrard, Co-founder and Managing Partner of TTV Capital. “The advancement of AI and machine learning, coupled with quantitative modeling and data science, enables OneAM to accurately assess the quality and risks of these receivables, turning them into an asset class that can be underwritten at scale. We’re proud to back the OneAM team as they scale their early pay solution across critical industries.”
Founded in 2024 by Ksusha McCormick and Charlotte Ng, OneAM possesses deep domain expertise across trade finance, quantitative portfolio management, and both financial market and payments infrastructure. With this funding, OneAM will expand into new verticals and continue developing advanced pricing, fraud prediction, portfolio management, and risk management capabilities for its growing network of capital providers. For more information, visit https://www.oneam.us/.
