Cashflow Without Chaos: The Fintech Transforming B2B Payments

Episode 18 – Cashflow Without Chaos: The Fintech Transforming B2B Payments

In this episode of Founders and Funders, I sit down with Ray Wang, co-founder and CEO of Luca Plus, to explore his journey from accountant at Nike to fintech founder reshaping B2B payments.

We talk about how Luca Plus is giving small businesses access to flexible supplier credit, the inspiration behind its name, and Ray's commitment to integrity, transparency, and building a capital-efficient future.

What we cover:

• Why short-term cashflow gaps are crushing small businesses—and how Luca Plus is solving it
• Ray’s journey from Beijing to Melbourne, and from Nike to fintech
• How his accounting background shaped the company’s credit decisioning framework
• The importance of trust and product validation over perfection
• How Stone & Chalk, government grants, and partner networks enabled Luca’s early growth

Guest:

Ray Wang is the co-founder and CEO of Luca Plus. With deep roots in accounting and real experience supporting small business owners, he brings a uniquely grounded perspective to solving financial pain points through technology.

Links & Resources:

• Luca Plus Website
• Ray Wang on LinkedIn
• Principles by Ray Dal_