EquipiFi, Inc.

EquipiFi, Inc. is a US-based financial technology company that provides a specialized Buy Now, Pay Later (BNPL) platform for banks and credit unions, enabling them to offer flexible payment solutions integrated into their digital banking services. Founded in 2021 in Scottsdale, US, EquipiFi, Inc. focuses on providing BNPL services to financial institutions.

The company has successfully completed three deals, with its latest funding round being a Series A, raising USD 12. 00 mn from investors including Curql and PHX Ventures. The current company valuation stands at USD 44. 724 mn.

Equipifi specializes in providing a Buy Now, Pay Later (BNPL) platform tailored specifically for financial institutions, such as banks and credit unions. Their core offerings enable these institutions to integrate flexible payment solutions directly into their existing digital banking applications, facilitating split payments through debit cards accepted universally. Equipifi's platform allows financial institutions to generate pre-qualified BNPL credit offers for their account holders, thereby enhancing customer engagement and providing financial flexibility during shopping. The service has gained traction across multiple regions in the United States, where it serves a diverse client base of financial institutions looking to elevate their account holder experiences through innovative payment solutions.

Equipifi generates revenue through partnerships with financial institutions that utilize its BNPL services to enhance their product offerings. The company's revenue model is structured around transactional fees charged to these institutions for facilitating BNPL transactions. The integration of its services allows financial institutions to offer their members tailored, flexible payment options, thereby increasing customer retention and engagement. Equipifi's platform is designed to deliver seamless transactions, where account holders can access pre-qualified credit offers and make purchases with manageable repayment plans.

Revenue is derived predominantly from the partnerships formed with banks and credit unions, who leverage Equipifi's technology to support their members' financial needs effectively. In February 2025, EquipiFi, Inc. raised an undisclosed amount of venture funding from new investor BHB Fund. The company plans to utilize this funding to expand its financial operations and development.

EquipiFi is also focused on launching new products and entering new geographical markets to further enhance its service offerings.