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Introducing Empower by Raistone

Raistone is proud to waive enrollment fees for minority- and women-owned business enterprises (MWBEs)

How we support MWBEs

Get access
to your money,
on your terms

Early pay from Raistone is a more versatile, flexible, and affordable solution than a traditional business loan

Learn how we compare

Faster, fairer
payments

Powerful suite of financial tools that level the playing field for your organization, allowing you to get paid now for money due to you later

Our solutions for suppliers & SMBs

Flexible
payments,
on your terms

Maintain or extend your payment terms, retaining cash on your balance sheet while ensuring your suppliers get paid on time

What we offer buyers & corporates

Innovative
integrations

Raistone enables the world’s largest enterprise software firms to deploy an embedded working capital finance tool for millions of users via our API, Raistone Connect

How we help ERPs and platforms

Leveling the playing field for B2B payments

Learn what Raistone can do for you

  • Faster, fairer payments
  • Stabilize your supply chain
  • Integrated technology
  • A new asset class
Faster, fairer payments

Say goodbye to 30, 60 or 90+ day payment cycles. With Raistone, your business can get paid quickly without taking on debt.

Learn how we help
Stabilize your supply chain

Raistone provides companies with flexible payment terms, allowing you to increase your days payable outstanding while ensuring your supply chain continues to run smoothly.

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Integrated technology

Raistone technology can be embedded within the platforms companies already use, offering clients receivables finance and allowing suppliers to be paid in advance of an invoice due date.

Learn how we help
A new asset class

An advanced trade finance platform, bolstered by our proprietary RaiScore®, offers investors opportunities with a new asset class and unprecedented access to corporate debt markets.

Learn how we help

Latest news and insights

How a Well-Rounded Working Capital Strategy Improves Supply Chain Health in the Food and Beverage Sector
The food and beverage industry is faced with increasing challenges that demand efficient management of resources, processes, and finances across the supply chain.
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Raistone’s Dave Skirzenski Honored as Supply Chain Finance CEO of the Year
The recognition from C-Suite Insider highlights Skirzenski’s exceptional leadership and influence on the fintech landscape, particularly in the business-to-business embedded finance space.
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Raistone Connect API Wins Gold in 2024 Juniper Research Fintech Innovation Awards
The company’s proprietary technology simplifies working capital access for millions of users, empowering business of all sizes with essential financial solutions and altering the landscape of B2B payments.
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What Do Interest Rate Cuts Mean for Small- and Medium-Sized Businesses?
Despite recent interest rate cuts from the U.S. Federal Reserve, companies looking to capitalize may find that the traditional lending market alone still can’t fulfill their needs in order to grow their business.
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Driving Growth for Platforms Through Technology Integration with Raistone
Raistone fuels financial growth and resilience for members of our alliance network — as well as their clients — with our referral channels and native API integrations. In this blog from VP of Growth Dan Jasinski, learn how Raistone enables its partners to offer world-class trade finance solutions to their networks.
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Get Paid Faster on Checks
You get paid early while we manage the administrative headaches.
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5 Things You Didn’t Know About Accounts Receivable Finance
While many business owners are familiar with standard or asset-based loans and traditional invoice factoring, alternatives such as accounts receivable finance can influence how companies access working capital.
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FinTech Futures Recognizes Raistone CEO Dave Skirzenski as Tech Leader
PayTech Awards USA highlights the expert leadership of Raistone Chief Executive Dave Skirzenski.
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Raistone ranked 32nd fastest growing private financial services company by Inc. magazine
With an impressive 1,028% increase in revenue between 2020 and 2023, Raistone showcases its unwavering commitment to pioneering solutions.
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Raistone Surpasses $10 Billion in Business Financing
New research from Raistone reveals how embedded finance fuels business growth.
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Embedded Finance: Sparking Business Growth
In this whitepaper, Raistone financial experts discuss how embedded finance solutions provide rapid approvals, enabling small-and medium-sized businesses to quickly capitalize on business opportunities or address cash flow concerns.
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Raistone named “Trade Finance Platform of the Year” by FDI Insider
The FDI Insider Awards honor companies that exemplify excellence and innovation in their fields. This year they recognized Raistone as a leading platform.
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Small Businesses Turning to Working Capital Finance to Fund Growth
In this whitepaper, Raistone and Mastercard financial experts discuss how many small- and medium-sized businesses (SMBs) are turning to Accounts Receivable Finance (ARF) to optimize working capital amid a tight credit market.
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Raistone Named 2024-25 ‘Great Place To Work’
This year, 85% of employees said Raistone is a “Great Place To Work” – 28 points higher than the average U.S. company.
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Accounts Receivable Financing Vs. Asset-Based Lending: Which is the right financing option for your company?
Though they are frequently confused with each other and oftentimes incorrectly used interchangeably due to their core solution, Accounts Receivable Finance and Asset-Based Lending are two very different financial products that solve working capital needs in similar ways but with different financial terms, rates, and collateral.
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Raistone Shortlisted at the 2024 RFIx Awards for “Most Innovative Fintech of the Year”
Raistone is honored to be recognized by the 2024 RFIx Awards for our fintech solutions, which have ranked among “Most Innovative.”
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Raistone CEO Dave Skirzenski Named a PayTech Leader in the 2024 PayTech Awards
For the second year straight, Raistone Chief Executive Dave Skirzenski has been recognized as a fintech leader by the PayTech Awards.
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What is Days Sales Outstanding (DSO)? Understanding and Optimizing Accounts Receivable for the Health of Your Business
Efficient accounts receivables management is essential for a steady cash flow and financial stability. Days Sales Outstanding (DSO) serves as a key metric in evaluating the performance of your receivables. Use our calculator to determine your business’s DSO and learn how Raistone can help.
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Raistone’s Dave Skirzenski named “Best FinTech Company CEO” by FinTech Breakthrough Awards
Raistone Chief Executive Officer has been recognized as a fintech leader by FinTech Breakthrough Awards, which demonstrate innovation and leadership in the fintech sector.
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Raistone executive Donna Glynn-Manning recognized as one of “Top Women in Specialty Finance” by ABF Journal
Raistone is proud to share that Donna Glynn-Manning has been named one of the Top Women in Specialty Finance by ABF Journal.
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In Their Own Words: The Women of Raistone Discuss Women’s History and the Strive for Equality in Fintech
March is Women’s History Month, celebrating the contributions of women today and throughout history. We asked some of the women of Raistone for their thoughts on what it means to be a woman in the finance and fintech industries.
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What is sustainable finance, and how can it benefit your company?
There is a growing realization that sustainable business practices can create long-term value for companies, their employees, and investors. By integrating sustainable practices and considerations into their strategies, companies can drive innovation, enhance operational efficiency, attract and retain talent, and build stronger relationships with customers and the communities they serve.
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Raistone Recognized as “Best Non-Bank Trade Finance Provider” by Global Trade Review
The GTR Leaders in Trade awards highlight excellence in the trade, commodity, supply chain, and export finance and fintech markets.
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Shohei Ohtani, the LA Dodgers, and the Power of $680M in Deferred Payments
Professional athletes generally have two primary goals: Winning championships, and getting paid. Thanks to the power of deferred payments, two-way pitcher Shohei Ohtani may get both.
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Raistone Wins “Best Collaboration/Alliance Initiative” at 2023 American Financial Technology Awards
Raistone is honored to be named a winner in the 2023 American Financial Technology Awards for its relationships with major platform partners. Raistone partnerships and collaborations — coupled with technological innovation — allow mid-market businesses to access a reliable source of funding.
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Raistone Ranked 43rd Fastest Growing Company in America on Deloitte Technology Fast 500™
Award reflects 2x year-over-year growth at Raistone for sixth straight time. Raistone, the top provider of embedded finance for businesses, today announced it ranked No. 43 on the 2023 Deloitte Technology Fast 500™.
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Raistone Shortlisted at 2023 Banking Tech Awards for “Best Embedded Finance System”
Raistone is honored to be recognized by Fintech Futures in this year’s Banking Tech Awards in the “Best Embedded Finance System” category. This category recognizes software and services providers for embedded finance platforms. 
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Raistone Recognized for Rebrand/Relaunch Campaign of the Year by Engage B2B Awards
Raistone is honored to be selected as a finalist for the 2023 Engage B2B Awards in the “Rebrand/Relaunch Campaign of the Year” category, reflecting the company’s 2x year-over-year growth since adopting a stronger brand message and more modern look and feel.
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Raistone Chief Executive Officer David Skirzenski recognized as Tech Leader by Fintech Futures
Raistone Chief Executive David Skirzenski has been named a Tech Leader by Fintech Futures, shortlisting him in both the PayTech Awards USA and the Banking Tech Awards, which demonstrate innovation and leadership in the payment technology and banking sector.
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Raistone Wins Gold in 2023 Merit Awards for Technology 
Raistone is honored to be named a gold winner in the “FinTech – Capital Finance” category in the 2023 Merit Awards. Through innovative technology and a growing number of partnerships, Raistone has been able to provide access to the working capital to a broader range of businesses.
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Navigating a shrinking lending landscape: How SMBs can survive the squeeze with Accounts Receivable Finance
Since the collapse of Silicon Valley Bank, Signature Bank, Silvergate Bank and others in March 2023, small- and medium-sized businesses (SMBs) have faced a lending void with higher costs of borrowing and heightened scrutiny. Thankfully there are other avenues for working capital available to businesses of all sizes, hiding right in front of them on their balance sheets.
Read Now
Fintech Futures Recognizes Raistone for “Best Use of Tech in Business Payments”
Raistone has been shortlisted for the PayTech Awards USA in the category “Best Use of Tech in Business Payments” for its proprietary cloud-based receivables and supply chain finance platform that offer a range of products embedded within existing business platforms, permitting quicker payments and operational ease.
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How cashflow is crucial to solving construction’s labor woes
In this blog, Raistone Chief Financial Officer Mike Bruynesteyn details how restricted flow of cash within the construction industry has had a domino effect, making it difficult for contractors to fund new jobs or pay their employees promptly. Learn how non-bank, non-debt capital for contractors and their subcontractors helps to address these problems.
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Five Myths About Supply Chain Finance
Despite many misconceptions surrounding Supply Chain Finance, it is an invaluable tool for companies looking to manage their cash flow. Learn more as we debunk some of these common myths.
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Raistone Again Named ABF Journal’s “Most Innovative Company”
For the third year straight, Raistone has been named one of ABF Journal’s “Most Innovative Companies,” recognizing our continued success within the specialty finance industry, particularly in expanding the reach of our services to new clients and platforms.
Read Now
Raistone Hires Ksusha McCormick to Lead Firmwide Strategy
McCormick brings 20+ years of business building experience within the financial services and fintech industries
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Addressing Uncertainty in the Financial Space
Major and recent controversies around increased financing rates, the failures of several mid-size regional banks, and anticipated tightening of credit conditions has bred a yellow brick road of opportunity, all leading to alternative finance and — more specifically — structured trade finance.
Read Now
Introducing Coupa Pay SCF with Raistone
Raistone today announced a new partnership with Coupa Software, a leader in Business Spend Management (BSM), bringing new, easy-to-use financial tools to businesses that utilize the Coupa BSM Platform. 
Read Now
Global Trade Review Again Recognizes Raistone as Leader in Supply Chain Finance
The GTR Leaders in Trade awards highlight excellence in the trade, commodity, supply chain and export finance and fintech markets.
Read Now
Raistone Global Head of Capital Markets, Qing Fan, recognized as one of the “Top Women in Asset-Based Lending” by ABF Journal
Raistone is proud to share that Qing Fan was named one of the “Top Women in Asset-Based Lending” in ABF Journal’s Diversity, Equity and Inclusion Issue.
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Case studies

View all
“Without Raistone backing Shamrock, I would not have the confidence to pursue the growth goals we have set.”
Kevin O’Shea CEO at Shamrock Electric Co., Inc.
“By utilizing Raistone, our company has been able to grow faster, hire more people, and retain more employees based on being able to pay them in a very timely manner.”
Bennett Coughlan President of SolarFlow
supplier-img
“What Raistone offers is a fantastic product. Every small- and medium- sized business should be using it. ”
Todd Giardina CEO, Todd’s IT
“By using accounts receivable finance and supply chain finance with Raistone, our company was able to unlock $296 million from our balance sheet without incurring any incremental debt.”
Major Automotive Parts Manufacturer
View all case studies
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What is your company’s annual revenue?

Finance and technology, on your terms

Financial tools from Raistone help companies keep more cash on their balance sheet, so they can get grow their business, hire more people, buy additional product and much more

$12 Billion

curated marketplace of investors

Billions of dollars

in working capital provided every year

$50K-$500M+

facility size range

$0.5T+

purchased by team

Our partners

Raistone enables the world’s largest enterprise software firms, including SAP, NetSuite, and dozens more, to deploy an embedded working capital finance tool for millions of users.