# AtoB **Source:** https://geo.sig.ai/brands/atob **Vertical:** Logistics & Supply Chain **Subcategory:** General **Tier:** Challenger **Website:** atob.com **Last Updated:** 2026-04-14 ## Summary SF YC W20 fleet fuel card for trucking at $264M total ($130M General Catalyst Series C Sep 2024 at $800M val); 500% revenue growth with 45¢/gallon average savings competing with WEX and Fleetcor for small trucking carrier payment infrastructure. ## Company Overview AtoB is a San Francisco-based fuel card and fleet payment platform for the trucking industry — backed by Y Combinator (W20) with $264 million in total funding including a $130 million Series C in September 2024 led by General Catalyst at an $800 million valuation — providing small and medium-sized trucking businesses with the AtoB Carrier Wallet for fuel expense management and non-fuel business expenses, averaging 45 cents per gallon savings and up to $2.00 maximum savings through strategic fuel network partnerships including Uber Freight. Founded in 2019 by Tushar Misra, Vignan Velivela, and Harshita Arora, AtoB achieved 500% revenue and volume growth in the year preceding the Series C, serving the trucking industry's need for modern fleet financial management without the credit barriers and fee structures of legacy fleet cards. AtoB's fleet payment platform addresses the financial access gap that small trucking operators face with traditional fleet card programs: incumbents like WEX and Fleetcor charge monthly fees, apply credit checks that exclude owner-operators and new carriers, restrict where fuel can be purchased (proprietary truck stop networks with limited locations off major interstates), and apply variable per-gallon transaction fees that obscure the true cost of the fuel card program. AtoB provides open network acceptance (any fuel station accepting Mastercard or Visa), transparent flat-fee pricing, no credit check requirements (using alternative creditworthiness signals like FMCSA authority history and factoring relationships), and cash advances tied to confirmed load receivables — giving small carriers the cash flow management tools that enable them to take loads without waiting for invoice payment cycles. The Uber Freight integration (accessing fuel discounts negotiated through Uber Freight's volume purchasing power) extends AtoB's per-gallon savings beyond what individual small carriers could negotiate independently. In 2025, AtoB competes in the fleet fuel card, trucking payments, and commercial card market with WEX (NYSE: WEX, fleet card processing, $2.9B revenue), Fleetcor (NYSE: FLT, corporate payment solutions, $3.8B revenue), and Mudflap (trucking fuel discount app, $50M raised) for small and mid-sized trucking company fuel expense management adoption. General Catalyst's $130M Series C at $800M valuation reflects the fleet payment market scale — the US trucking industry consumes $180B+ in fuel annually, and even a small percentage of fuel spend through AtoB creates substantial transaction revenue. The 500% growth rate validates the market expansion from the initial owner-operator segment into mid-sized fleets (10-100 trucks) where the cost savings relative to WEX and Fleetcor are most compelling. The 2025 strategy focuses on expanding the non-fuel business expense coverage (truck maintenance, insurance, tire replacement), building the embedded working capital and invoice factoring products, and growing the strategic partnerships with freight brokers and load boards for seamless trucking financial services. ## Frequently Asked Questions ### What is AtoB? AtoB is a San Francisco-based company that provides fuel cards and payment solutions specifically designed for the trucking industry. Founded in 2019 and backed by Y Combinator (W20), AtoB simplifies financial transactions for fleet owners, trucking companies, and truck drivers. ### What products and services does AtoB offer? AtoB offers trucking fuel cards, fleet gas card management, the AtoB Carrier Wallet for fuel and non-fuel expense management, fleet payment solutions, and fuel discount programs. These solutions help trucking businesses manage their expenses more efficiently with transparent financial transactions. ### Who is AtoB designed for? AtoB primarily serves small and medium-sized trucking businesses, including fleet owners, trucking companies, and truck drivers. The platform is tailored to meet the specific financial and operational needs of the trucking industry. ### When was AtoB founded? AtoB was founded in 2019. The company participated in Y Combinator's Winter 2020 (W20) batch. ### Where is AtoB headquartered? AtoB is based in San Francisco, California. ### How much funding has AtoB raised? AtoB has raised $264 million in total funding. The company's most recent round was a $130 million Series C in September 2024, led by General Catalyst. ### What kind of fuel savings does AtoB offer? AtoB offers average discounts of 45 cents per gallon on fuel purchases. Through strategic partnerships, customers can save up to $2.00 maximum per gallon. ### What growth has AtoB achieved recently? AtoB achieved 500% revenue and volume growth in the past year. This significant growth milestone was announced alongside their Series C funding round in September 2024. ### What is the AtoB Carrier Wallet? The AtoB Carrier Wallet is a comprehensive expense management solution for trucking businesses that handles both fuel and non-fuel expenses. It provides a transparent platform for managing fleet-related financial transactions. ### What recent partnerships has AtoB announced? AtoB has announced a strategic partnership with Uber Freight. This partnership contributes to AtoB's fuel discount programs and enhanced value proposition for trucking customers. ## Tags b2b, fintech, saas, supply-chain, transportation --- *Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*