Company Overview
About Invo
Invo is a financial technology company building embedded lending infrastructure that enables non-financial businesses to offer point-of-sale financing and buy now, pay later solutions to their customers. Founded in 2018 and headquartered in Austin, Texas, Invo provides the underwriting, credit decisioning, and servicing infrastructure that allows retailers, service providers, and platforms to integrate installment payment options into their checkout experiences without becoming lenders themselves.
Business Model & Competitive Advantage
The company raised seed and early-stage funding focused on the home improvement, dental, and medical financing verticals where large-ticket purchases frequently require financing options that traditional credit cards don't efficiently provide. Invo's platform connects merchants with a network of lending partners, allowing customers to choose their preferred financing terms and enabling merchants to offer flexible payment options that increase average order values and conversion rates.
Competitive Landscape 2025–2026
In 2025, Invo operates in the competitive embedded lending market alongside GreenSky (Goldman Sachs), Sunbit, and CareCredit in specific verticals, and against broader BNPL players like Affirm and Klarna. The company's specialized focus on high-ticket service verticals (healthcare, home improvement, auto) differentiates it from consumer goods-focused BNPL products, as these verticals require longer-term installment loans with different risk profiles. Invo's 2025 strategy emphasizes deepening relationships with home services contractors and medical practices seeking to improve their financing acceptance and patient/customer payment experience.
Recent Activity
View all →Foreign Filing filed 2026-09-28
Foreign Filing filed 2026-09-21
Foreign Filing filed 2026-09-17
Foreign Filing filed 2026-09-15
Foreign Filing filed 2026-09-09
Foreign Filing filed 2026-08-31
Foreign Filing filed 2026-08-24
Foreign Filing filed 2026-08-18
Foreign Filing filed 2026-08-10
Foreign Filing filed 2026-08-10
Foreign Filing filed 2026-08-04
Foreign Filing filed 2026-08-04
Company Timeline
Major milestones in Invo's journey
Leadership Team
Meet the leaders behind Invo
Patrick Foster
Key Differentiators
Emerging Innovator
Invo is an emerging player bringing innovative solutions to the Fintech market.
Frequently Asked Questions
Estimated Visibility Trend (Beta)
Simulated 8-week rolling score
Based on estimated brand signals. Historical tracking coming soon.
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