Matthew Watts

Matthew Watts is the Co-Founder and Chief Technology Officer of Lendflow, an embedded lending infrastructure platform, and is based in Seattle, Washington. Since launching the Austin-headquartered company in 2019, he has helped scale the organization to 55 employees and secure $13.5 million in total funding, including a $10.8 million Series A round led by Underscore VC. Under his technical leadership, Lendflow provides credit infrastructure for vertical software companies and services notable enterprise customers such as Flexport, Fundbox, and Funding Circle. Prior to his current venture, Watts served as the Founder and CTO of Oxiin, oversaw engineering teams at SpendHQ, and established ChannelGrowth, a small business lending acquisition firm that originated over $150 million in capital. His career remains focused on developing scalable financial technology systems that enable software platforms to directly integrate commercial credit products.