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← Embedded Finance Index 2026

Cin7

“Can an inventory management SaaS become the financial operating layer — payments, lending, FX — for product-selling SMBs?”

Founded2012
HQDenver, Colorado, USA (Cin7 Americas, Inc.); originally Auckland, New Zealand
FoundersDanny Ing
Latest round$500M single-asset continuation fund (Nov 2024, led by CVC Secondary Partners)
IndustryHorizontal SaaS / Inventory Management
The story

Cin7 evolved from Danny Ing's New Zealand web design business Datum Connect into a cloud-based inventory management platform in 2012. After Rubicon Technology Partners took a controlling stake, Cin7 consolidated the SMB inventory market by acquiring DEAR Systems (rebranded Cin7 Core) and Orderhive. In 2023-2024 Cin7 layered embedded finance — Cin7 Pay (Stripe-powered payments) and Cin7 Capital (Stripe Capital lending) — turning an inventory ERP into a monetization surface for financial primitives.

Last 12 months
2024-11
Product timeline
2012
Cin7 founded by Danny Ing, pivoting his web design business Datum Connect to inventory management· pivot
2021
Acquired DEAR Systems (now Cin7 Core) and Orderhive· acquisition
2023
Launched Cin7 Pay — embedded B2B payments powered by Stripe· banking
2024
Launched Cin7 Capital powered by Stripe (Stripe Capital) for embedded financing· lending
2024
Rubicon Technology Partners closes $500M continuation fund for Cin7· acquisition
Acquisitions
DEAR Systems2021
Cloud inventory management platform — rebranded as Cin7 Core.
Orderhive2021
Multi-channel order and inventory management SaaS.
Inventoro
Demand forecasting and inventory optimization — became Cin7 ForesightAI.
The stack
5 layers disclosed in Cin7’s embedded-finance stack
Payments / PSP
StripeStripe ConnectAirwallex
Lending
in the full report
Open banking
in the full report
FX & payouts
in the full report
Accounting
in the full report
Accounting gap: none
7 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Cin7 — frequently asked

Who is Cin7's payment processor?

Cin7 processes payments through Stripe, Stripe Connect and Airwallex.

Who provides Cin7's lending?

Cin7's lending and capital products are provided by Stripe Capital.

Which open banking provider does Cin7 use?

Cin7 connects to bank accounts through Plaid.

Who handles Cin7's FX and cross-border payouts?

Cin7 uses Stripe and Airwallex for FX and cross-border payouts.

Which accounting software does Cin7 integrate with?

Cin7 integrates with QuickBooks Online and Xero.

What is Cin7's embedded finance stack?

The Embedded Finance Index 2026 maps 5 layers in Cin7's stack: Payments / PSP (Stripe, Stripe Connect and Airwallex); Lending (Stripe Capital and Cin7 Capital powered by Stripe (Stripe Capital)); Open banking (Plaid); FX & payouts (Stripe and Airwallex); Accounting (QuickBooks Online and Xero).

Who founded Cin7?

Cin7 was founded by Danny Ing and is founded in 2012, headquartered in Denver, Colorado, USA (Cin7 Americas, Inc.); originally Auckland, New Zealand.

What companies has Cin7 acquired?

Cin7's acquisitions include DEAR Systems (2021), Orderhive (2021) and Inventoro.

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