Pipe
Founded Year
2019Stage
Line of Credit | AliveTotal Raised
$478.12MLast Raised
$100M | 1 yr agoMosaic Score The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.
+11 points in the past 30 days
About Pipe
Pipe specializes in embedded financial solutions within the software sector, offering services that provide access to financial tools for businesses. Its main offerings include a platform that provides working capital and a card issuing service, both designed to integrate with existing software solutions. Pipe serves vertical SaaS and payments platform industries, enhancing their offerings with financial products. It was founded in 2019 and is based in San Francisco, California.
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ESPs containing Pipe
The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.
The revenue-based financing platforms market enables businesses to exchange a percentage of their future revenues for upfront capital, avoiding traditional equity dilution and fixed-interest debt. These platforms use proprietary algorithms and data analytics to evaluate financial health, growth potential, and creditworthiness to determine funding amounts and repayment terms. Primary users include …
Pipe named as Leader among 15 other companies, including Clearco, Arc, and Uncapped.
Pipe's Products & Differentiators
Embedded Capital
Pipe Capital makes it easy for payfacs and vertical software providers to launch a turnkey capital product quickly inside the software their customers use every day. Our APIs streamline the embedding process, and our underwriting, based on live partner data, simplifies merchant applications to just a few clicks. Merchants pay one flat, transparent fee, added to the principal, and paid back over time as a percentage of revenue. Payments flex with their sales cycle, so they’re never stuck with a fixed payment if sales are down. For partners, we operate on a revenue share model based on negotiated percentage points of the entire advance.
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Research containing Pipe
Get data-driven expert analysis from the CB Insights Intelligence Unit.
CB Insights Intelligence Analysts have mentioned Pipe in 3 CB Insights research briefs, most recently on Jun 6, 2025.
Jun 6, 2025
The SMB fintech market map
May 8, 2024
The embedded banking & payments market map
Feb 28, 2024 report
The Celebrity VC IndexExpert Collections containing Pipe
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
Pipe is included in 5 Expert Collections, including Unicorns- Billion Dollar Startups.
Unicorns- Billion Dollar Startups
1,276 items
Digital Lending
2,464 items
This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.
SMB Fintech
1,586 items
Fintech
9,653 items
Companies and startups in this collection provide technology to streamline, improve, and transform financial services, products, and operations for individuals and businesses.
Fintech 100
499 items
250 of the most promising private companies applying a mix of software and technology to transform the financial services industry.
Pipe Patents
Pipe has filed 62 patents.
The 3 most popular patent topics include:
- piping
- plumbing
- sewerage
Application Date | Grant Date | Title | Related Topics | Status |
|---|---|---|---|---|
10/19/2022 | 11/26/2024 | Piping, Plumbing, Graphical projections, Technical drawing, Roadsters | Grant |
Application Date | 10/19/2022 |
|---|---|
Grant Date | 11/26/2024 |
Title | |
Related Topics | Piping, Plumbing, Graphical projections, Technical drawing, Roadsters |
Status | Grant |
Latest Pipe News
Jul 6, 2025
日本経済新聞 日本経済新聞社は、スタートアップ企業やそれに投資するベンチャーキャピタルなどの動向を調査・分析する 米ＣＢインサイツ （ニューヨーク）と業務提携しています。同社の発行するスタートアップ企業やテクノロジーに関するリポートを日本語に翻訳し、日経電子版に週１回掲載しています。 中小企業にとってDXを進める絶好の機会はなお続いている。 金融機関やテックスタートアップはこのチャンスをつかもうと積極的に動いている。 一方、中小企業向け金融商品・サービスを提供するスタートアップの分野も発展し続けている。下記の市場マップでは中小企業向けフィンテック商品・サービスを手掛ける14のカテゴリーの企業105社を記載し、主な部門ごとにまとめた。 ・人事:中小企業の福利厚生や支払いの管理を支援 ポイント 1.投資家の資金は「組み込み型決済インフラ」や「支出管理」などの基盤商品・サービスに集中:フィンテックインフラは中小企業にとって必須の存在になっている。「組み込み型決済インフラ」（20年以降の調達額96億ドル）、「支出管理プラットフォーム」（35億ドル）、「法人向け越境決済プラットフォーム」（34億ドル）の20年以降の資金調達総額は全体の77%を占めている。これは中小企業が新たな機能を加える前に、まずは必須の金融システムを確立する必要があることを示している。 2.投資家や金融機関は既存システムに柔軟に組み込める商品・サービスに注目すべき:中小企業は技術スタックをまるごと一新するのではなく、費用対効果が最も高いものだけを導入したいと考えている。例えば、決済部門の「買掛金（AP）自動化」企業の合計調達額（22億ドル）は「売掛金（AR）自動化」企業（7億3300万ドル）の3倍に上り、提携企業数も287社に対して44社と6倍以上多い。こうした指標は、中小企業のユーザー（売掛金よりも買掛金を多く処理する傾向がある）にとって買掛金自動化の方が費用対効果が明白なだけでなく、中小企業がテクノロジーに投資する状況やタイミングを選ぶことも表している。フィンテック企業側も多様な提携パートナーを強調することで、自社の商品・サービスの価値と導入しやすさを示せる。 3.デジタル世代の中小企業の台頭、アーリーステージ（初期）の活発化とテックを活用した融資を手掛ける企業の評価額上昇を後押し:「経常収益をベースとした融資プラットフォーム」の20年以降の調達件数43件のうちの3分の2近く（63%）は、アーリーステージ企業による案件だった。アーリーステージの調達割合の高さは、革新的なフィンテック企業の顧客である電子商取引（EC）やソフトウエア・アズ・ア・サービス（SaaS）、デジタルブランドなどが発展し続けており、なお多くの参入ポイントがあることを示している。同時に、投資家は「経常収益をベースにした融資」を高く評価している。このカテゴリーの中小企業向けスタートアップからはユニコーン（企業価値10億ドル以上の未上場企業）が3社（Wayflyer、Pipe、Clearco）誕生しているのに対し、「請求書ファイナンス」は1社（C2FO）にとどまる。 各カテゴリーの説明
Pipe Frequently Asked Questions (FAQ)
When was Pipe founded?
Pipe was founded in 2019.
Where is Pipe's headquarters?
Pipe's headquarters is located at 548 Market Street, San Francisco.
What is Pipe's latest funding round?
Pipe's latest funding round is Line of Credit.
How much did Pipe raise?
Pipe raised a total of $478.12M.
Who are the investors of Pipe?
Investors of Pipe include Victory Park Capital, BBQ Capital, Mindrock Capital, Zain Ventures, Next47 and 39 more.
Who are Pipe's competitors?
Competitors of Pipe include Pershing Ventures, Ampla, Divibank, Viceversa, Flow48 and 7 more.
What products does Pipe offer?
Pipe's products include Embedded Capital and 1 more.
Who are Pipe's customers?
Customers of Pipe include Boulevard and Priority.
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Compare Pipe to Competitors
Vitt focuses on investment management. The company offers services that allow customers to invest their idle cash in money market funds. The company's funds are managed by Goldman Sachs Asset Management and are held with a Financial Conduct Authority-regulated custodian, mitigating counterparty risk. It was formerly known as Rail. It was founded in 2021 and is based in London, United Kingdom.
Capchase provides B2B payment solutions within the financial technology sector. The company has a platform that allows businesses to offer Buy Now Pay Later options for software and hardware, allowing vendors to receive contract value upfront while managing collections. Capchase serves the SaaS, hardware, software, and VoIP industries, providing payment options. It was founded in 2020 and is based in New York, New York.
Uncapped is a financial services company that provides working capital solutions for online businesses in various sectors. Their offerings include financing options such as growth working capital, lines of credit, and funding solutions for Amazon sellers, aimed at supporting inventory, marketing, and purchase orders. Uncapped serves e-commerce brands and retailers. It was founded in 2019 and is based in London, England.
Clearco provides working capital solutions for the e-commerce sector. The company offers funding for invoices and receipts to assist businesses with cash flow, finance inventory, and cover marketing and operational expenses. Clearco's services are available to e-commerce businesses, allowing them to access capital without the requirement for collateral or personal guarantees. Clearco was formerly known as Clearbanc. It was founded in 2015 and is based in Toronto, Canada.
Founderpath provides financial solutions for bootstrapped SaaS companies in the fintech and SaaS industries. The company offers non-dilutive capital options such as term loans and factoring agreements to SaaS founders looking to grow without sacrificing equity. Founderpath also provides tools including a SaaS credit score, metrics and benchmarking dashboards, and a valuation optimization tool for SaaS businesses. Founderpath was formerly known as Operation Pie. It was founded in 2019 and is based in Austin, Texas.
Levenue provides revenue-based financing within the financial services industry, offering capital solutions to businesses with recurring revenue. The company offers funding based on a business's future Annual Recurring Revenue (ARR), which can assist with working capital and growth initiatives without requiring equity dilution. Levenue serves subscription-based and SaaS companies across Europe and provides access to capital through a marketplace platform. It was founded in 2021 and is based in Breda, Netherlands.
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