PactFi

PactFi

Private credit deal-making and data platform

Overview

PactFi is a fintech platform for private credit markets that helps investors and businesses speed up deal-making and use data more effectively. It works by securely extracting data from source documents, integrating clients’ downstream systems, and monitoring deal progress, with tools to manage documents, communications, and KYC for participants. PactFi combines end-to-end deal closing on one platform with strong security and regulatory compliance, including SOC 2 certifications and bank-grade encryption. The goal is to streamline private credit deal closing by enabling secure data flow, efficient processes, and a growing network of users and participants.

About PactFi

Simplify's Rating
Why PactFi is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & Analytics

Enterprise Software

Fintech

Financial Services

Company Size

11-50

Company Stage

Series A

Total Funding

$25M

Headquarters

New York City, New York

Founded

2021

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Simplify's Take

What believers are saying

  • March 10, 2026 Series A raised $25M, extending runway for product expansion.
  • PactFi now expands beyond deal close into servicing and secondary transfers.
  • ISO 27001 plus SOC 2 certifications strengthen enterprise trust for regulated workflows.

What critics are saying

  • 7RIDGE-backed rivals can copy workflows fast, compressing PactFi margins by 2027.
  • Customer concentration is severe: eight top-20 managers anchor credibility and revenue.
  • If banks or major managers build internal tools, PactFi becomes a replaceable middleware layer.

What makes PactFi unique

  • PactFi processed $300B+ since 2023, spanning 250+ counterparties and 3,000 fund entities.
  • Eight of top 20 credit asset managers use PactFi, representing $3.4T AUM.
  • Its platform unifies allocations, KYC, document sharing, and funds flow for private credit.

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Funding

Total Funding

$25M

Above

Industry Average

Funded Over

1 Rounds

Series A funding typically happens when a startup has a product and some customers, and now needs funding to scale. This money is usually used to grow the team, expand marketing, and improve the product. Venture capital firms are frequently the main investors here.
Series A Funding Comparison
Above Average

Industry standards

$15M
$8.2M
Discord
$15M
Canva
$25M
PactFi
$30M
Kalshi

Benefits

Health Insurance

Company Equity

Growth & Insights and Company News

Headcount

6 month growth

8%

1 year growth

-2%

2 year growth

2%
Business Wire
Mar 11th, 2026
PactFi Raises $25M Series A to Modernize Private Credit Market with First Secure, End-to-End Operational Platform

PactFi, the only secure, end-to-end operational platform for private credit, today announced it has raised $25 million in Series A funding led by 7RIDGE Ecos...

Axios
Mar 10th, 2026
PactFi raises $25M to streamline private credit workflows

PactFi, a workflow software provider for private credit deal teams, has raised $25 million in Series A funding, CEO Emma Zhang told Axios exclusively. The startup addresses inefficiencies in the $1.7 trillion global private credit market, where many firms still rely on lengthy email chains and shared spreadsheets to coordinate closings and amendments. The funding will help PactFi modernise deal workflows for an industry that has grown rapidly but continues to use outdated coordination methods.

PactFi
Aug 1st, 2023
PactFi Announces ISO 27001 Certification

PactFi announces ISO 27001 Certification.

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