FinStretch

FinStretch is a financial technology firm that specializes in providing flexible payment and credit solutions for small and medium‑size businesses. The company was founded in 2017 by three former investment bankers and is headquartered in San Francisco, California. FinStretch’s primary product suite includes a offer‑improved credit line platform that applies machine learning algorithms to evaluate a company’s cash flow and creditworthiness in real time. In addition to credit lines, the platform offers dynamic payment terms, automated invoicing and reconciliation tools, and analytics dashboards that provide insight into a company’s liquidity profile.

The company markets its services as a “stretch” solution that allows businesses to extend payment cycles without incurring traditional interest costs. FinStretch partners with a network of banks and alternative lenders that provide underwriting capital, while the core FinStretch technology handles risk assessment, transaction monitoring and risk management. Its technology stack uses APIs to integrate with ERP and accounting systems such as QuickBooks, Xero, and NetSuite.

FinStretch has raised three rounds of venture capital, totaling $120 million, from investors including Andreessen Horowitz, Sequoia Capital, and Battery Ventures. The firm reported a 3‑year growth in revenue of 650% and serves more than 4,500 clients across North America and Europe. The company is also active in industry forums, advocating for modern credit solutions and data‑driven risk management frameworks.