Skip to content
Companies

Fincretive

Health benefit card payments for independent grocers

Raised to date

$600K

of $3.8M offered across 1 Form D filing

Still open
$3.2M
Investors
1
Last filed
Dec 12, 2025

About

Fincretive is a fintech startup that provides a universal payment gateway for the retail sector. It enables independent grocers, ethnic grocers, and convenience stores to process Medicare/Medicaid OTC and other healthy benefit card (HBC) transactions, which were previously largely inaccessible to them.

The company's unique value lies in its focus on the underserved market of independent retailers, providing them with a single, modern gateway to access multiple health benefit programs without complex integrations or dedicated terminals.

Funding

  • EquityFiled Dec 12, 2025Form D
    $600K/ $3.8M

Product

Universal OTC/HBC Payment Gateway

Payment Gateway Solution

This gateway solution integrates with existing Point of Sale (POS) systems to allow retailers to accept and process transactions from various Medicare Advantage and Medicaid healthy food and over-the-counter benefit cards. It provides auditable data for government programs and health providers while streamlining operations for the retailer.

  • Provides a single point of integration for accessing multiple health benefit card processors.
  • Enables quick boarding for retailers into supplemental benefit programs without signing up for each one individually.
  • Generates granular, auditable transaction data for operational insights and compliance.

Built for

Independent grocers, ethnic grocers, convenience stores, and their associated Point of Sale (POS) developers, resellers, and wholesalers.

People on file