- 1OppFi holds a 35% stake in Bitty.
- 2OppFi's pro-rata share of Bitty's first-half 2025 earnings was significant to its bottom line.
- 3CEO Todd Schwartz cited a continuing supply/demand imbalance in small business lending.
OppFi says its investment in Bitty continues to pay off. On the company's second-quarter earnings call, CEO Todd Schwartz said the business keeps adding profitability and cash flow to OppFi.
What OppFi said
"Our investment in Bitty continued to perform well in the 2025," Schwartz said. He added that Bitty is using technology to improve operations and the customer experience, finding growth opportunities in new credit segments and taking advantage of a continuing supply and demand imbalance in the small business lending space.
The stake
OppFi owns 35% of Bitty. Its pro-rata share of Bitty's first-half 2025 earnings was significant to OppFi's bottom line, though the source does not give a dollar amount.
Why it matters
Bitty is a revenue-based financing provider, so its results flow through to OppFi as an equity investment rather than through originations OppFi books itself. Schwartz's comments suggest he sees small business lending as a durable growth area where demand for capital still exceeds supply, which supports the case for continued investment.
Source reporting: deBanked.
