# Invo

**Source:** https://geo.sig.ai/brands/invo  
**Vertical:** Fintech  
**Subcategory:** General  
**Tier:** Emerging  
**Website:** invocollections.com  
**Last Updated:** 2026-04-14

## Summary

Embedded lending infrastructure for high-ticket verticals; powers point-of-sale financing for home improvement, dental, and medical service providers.

## Company Overview

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.

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.

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.

## Frequently Asked Questions

### What does Invo do?
Invo automates accounts receivable and collections for food distributors using AI.

### Who are Invo's customers?
Food distributors and their finance teams.

### When was Invo founded?
Invo was founded in 2024.

### Where is Invo based?
San Francisco, CA.

### How much funding has Invo raised?
They are backed by Y Combinator as part of the W25 batch.

### What makes Invo different?
They specialize in the food distribution vertical with AI that automates routine collections work.

### Who are Invo's competitors?
Traditional AR management software and collections agencies.

### How can I contact Invo?
Visit their website for more information.

### Is Invo hiring?
Check their website for current openings.

### What's the latest news about Invo?
They launched through Y Combinator's W25 batch.

## Tags

b2b, fintech, saas

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*Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*