The fintech arena just got louder, and OneAM didn’t just step onto the stage, they plugged into the main power grid. Founded in March 2024, this NYC-based powerhouse just locked in a $4.7M seed round led by TTV Capital, with Correlation Ventures and ThirdStream Partners riding shotgun. You don’t raise from a crew like that unless you’ve got something built different, and OneAM’s platform is the kind of tech that doesn’t whisper disruption, it hums it through the walls.
Co-Founder & CEO Ksusha McCormick has spent 20+ yrs building, trading, and analyzing the financial arteries that keep Wall Street alive. From FX trading at Morgan Stanley to portfolio management at JWM Partners to running strategy at Raistone, she’s turned market complexity into muscle memory. Co-Founder & CPO Charlotte Ng brings the product firepower, 7 yrs at Mastercard building real-time payment rails before stepping up as Chief Product Officer at Raistone. Then there’s Co-Founder & CTO Shanthan Subramaniam, the technologist who spent 14 yrs at Mastercard turning instant payments into global infrastructure. That’s not a founding team; that’s a fintech Avengers lineup.
So what’s OneAM’s play? Working capital, the bloodline for SMBs that supply enterprise America but get paid like they’re the afterthought. Over 300K of these suppliers live in a slow-pay purgatory, waiting on receivables while their cash flow flatlines. OneAM built an Early Pay platform that lets them convert invoices into cash within days, using AI/ ML models that don’t just read risk, they learn it. Every receivable becomes a standardized, investable asset, turning the $4T SMB receivables market into a new asset class for quantitative and institutional investors.
TTV Capital’s Gardiner Garrard saw the same signal: fintech needs to scale intelligence, not just infrastructure. Correlation Ventures brings its predictive analytics lens, and ThirdStream adds strategic depth from years of financial tech backing. Together, they’re not betting on a quick flip; they’re backing a system that turns inefficiency into alpha.
With this $4.7M, OneAM is scaling into new verticals, building fraud prediction engines that see the ghosts in the data before they haunt the balance sheet, and refining pricing models so accurate they make traditional underwriting look prehistoric. They’re not chasing hype, they’re engineering liquidity.
The real takeaway? OneAM isn’t just speeding up payments; they’re quantifying trust in an unquantifiable market. In a world where most fintechs are still trying to look smart, OneAM is busy being it.
