GigSafe, an all-in-one workforce management platform for businesses engaging independent contractors, has partnered with OatFi, an API-first fintech infrastructure company, to launch an Early Pay program. Announced on September 12, 2025, this initiative enables immediate payouts to 1099 contractors while allowing businesses to extend payment terms, addressing critical cash flow challenges in the $35 trillion U.S. B2B payments market.
Partnership: GigSafe and OatFi launch Early Pay program for independent contractors.
Purpose: Offers immediate payouts to contractors while businesses extend payment terms.
GigSafe’s Role: Manages compliance, onboarding, and payments for 1099 workforces.
OatFi’s Role: Provides underwriting, capital, ledger, and repayment infrastructure.
Impact: Enhances transaction volume, scalability, and working capital access.
Market Context: Targets the growing $35T U.S. B2B payments market and 1099 economy.
The OatFi-GigSafe partnership integrates OatFi’s advanced credit infrastructure with GigSafe’s third-party administration (TPA) platform to streamline B2B payments for businesses engaging independent contractors. “Our mission is to help ambitious companies scale faster and win more contracts by eliminating operational and financial roadblocks,” said Dan Gerow, Co-founder of GigSafe. The Early Pay program allows businesses to offer industry-standard payment terms while ensuring contractors receive faster payouts, boosting efficiency and scalability.
OatFi’s API-first approach embeds financing directly into Accounts Payable (AP), Accounts Receivable (AR), and payment workflows, addressing the cash flow mismatch where suppliers seek rapid payments and buyers prefer extended terms. “B2B payments are both a workflow and working capital challenge,” said Michael Barbosa, Co-founder and CEO of OatFi. By integrating with GigSafe, OatFi provides the underwriting, capital, ledger, and repayment infrastructure, enabling seamless access to working capital at the point of payment.
GigSafe automates onboarding, compliance, insurance, and payments for 1099-based businesses, building on the expertise of its founding team, which previously supported over 200,000 contractors through Para. The partnership with OatFi enhances GigSafe’s payment capabilities, allowing businesses to onboard contractors faster and scale operations without adding headcount, while contractors benefit from immediate access to funds.
The collaboration aligns with the growing demand for flexible payment solutions in the 1099 economy, where 45% of independent contractors prefer daily or on-demand payouts. The U.S. B2B payments market, valued at over $35 trillion annually, is rapidly digitizing, with less than 20% of transactions currently digital. By combining OatFi’s credit network with GigSafe’s platform, the partnership unlocks working capital and drives growth for businesses and contractors alike.
GigSafe is the all-in-one third-party administration platform for 1099-based businesses, automating onboarding, compliance, insurance, and payments. Founded by the team behind Para, which supported over 200,000 independent contractors, GigSafe helps companies scale efficiently and stay compliant while winning new contracts.
OatFi is building the modern credit network for B2B payments, embedding financing into AP, AR, and Commercial Charge Card platforms. Integrated with over 25 platforms, including Unit, Transcard, and Highnote, OatFi has processed $500 million in originations. Backed by White Star Capital, QED, and Portage, OatFi is modernizing the $35 trillion U.S. B2B payments market.
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