BluePenguin replaces traditional checks and ACH with virtual cards, transforming accounts payable from a cost center into a revenue stream. The platform is the only one on the market offering Custom Interchange Cards for optimized economics, and integrates with ERP and AP systems in minutes rather than months.

Under M&T Capital's operator-led model, BluePenguin scaled annual revenue from $3 million to more than $40 million, with its valuation growing 10x in 12 months. The platform now serves 50+ clients across multiple industries with secure, scalable payment technology.

Adam McDaniel, Founder & Managing Partner of M&T Capital, serves as President & Vice Chairman of BluePenguin Payments; Ryan Tripp, Founding Partner of M&T Capital, serves as CFO.