Receive

Receive, a U.S.-based financial technology company founded in 2022 by fintech executive Ariel Blum, is focused on addressing cash flow challenges for small and medium-sized businesses (SMBs).

The founder's background includes leadership roles at prominent financial companies such as Melio, Green Dot, and American Express. This experience, combined with his personal encounters with delayed payments as a DJ and growing up in a small business family, provided the insight into the systemic flaws in how traditional financial systems serve SMBs. This led to the creation of Receive's core product, an "Earned Revenue Access" platform designed to give businesses immediate access to revenue they have already earned but has not yet been settled.

The company operates on a business-to-business model, primarily targeting small and medium-sized enterprises. Its platform functions by connecting to a business's sales data and bank accounts to analyze revenue in real-time. Based on this analysis, Receive provides the business with dynamic spending power through the Receive Business Mastercard®, issued by Patriot Bank, N.A. This allows merchants to convert pending settlements into immediate spending capability, which can be used for inventory, marketing, or other operational needs without waiting for traditional payout cycles. The service is offered without interest, credit checks, or hidden fees.

Receive's go-to-market strategy is centered on a white-labeled partnership model. It collaborates with Independent Sales Organizations (ISOs), payment processors, and software providers to embed its Earned Revenue Access technology directly into their existing platforms. This allows partners to offer the service as a value-add to their own merchant networks, creating a new revenue stream for the partner from interchange fees and deepening their client relationships. A notable partnership is with Titanium Payments, resulting in the launch of the Titanium Boost Business Mastercard®.

Since its inception, the Tel Aviv-based startup has secured $7.1 million in total funding, including a $4 million seed round led by NGVP. Other investors include Blank Ventures, Verissimo Ventures, Insight Partners, and Clocktower Technology Ventures. This capital is being used to scale its technology, expand partner integrations, and refine its data models.

Keywords: Earned Revenue Access, SMB cash flow, fintech, business financing, real-time revenue, working capital, payment processing, merchant services, embedded finance, B2B payments, accounts receivable, business credit, small business lending, Ariel Blum, Titanium Payments, spend management, liquidity solutions, interest-free financing, no-credit-check funding, dynamic spending power