Finstro
“Can a B2B trade finance platform spanning both supplier and buyer sides of SMB commerce become the default credit and payments infrastructure for B2B trade across Australia and the US?”
Founded2014
HQAustralia (with US operations)
IndustryFintech / SMB banking
The story
Founded in 2012 and launched in 2014 as an Australian B2B trade finance platform for SMBs whose needs weren't met by traditional banks. Over a decade, Finstro evolved into a multi-product embedded finance platform offering trade credit (net terms), working capital loans, and Mastercard-branded card payments for both buyers and suppliers. The US expansion is bank-sponsored via Coastal Community Bank, marking a structural shift from a purely domestic Australian lender to a cross-market B2B embedded finance provider.
Product timeline
2012
Finstro business model developed to provide accounts payable and receivable financing solutions for Australian SMBs underserved by banks.· pivot
2014
Finstro officially launched in Australia with B2B trade finance and credit products.· banking
2024
Finstro expanded into the US market with Finstro US, Inc., partnering with Coastal Community Bank to provide the credit facility under a bank-sponsored model.· banking
2025
Finstro reached over 6,000 customers and $1.3B+ in funded transactions; introduced Finstro Mastercard for US market backed by Coastal Community Bank.· card
Regulated entities
4
regulatory licences held by Finstro
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in Finstro’s embedded-finance stack
Banking / BaaS
Coastal Community Bank (sponsor)
Card network
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: significant
7 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.