Money orchestration for B2B platforms

Enable your users and agents to issue and use cards, pay bills, and manage cash. CapitalOS handles risk, underwriting, compliance, and capital so you can launch in days.

Building blocks for uncompromising platforms that want to move fast

Credit Cards

Unlimited business credit cards with a credit limit based on business performance.

Balance Cards

Pre-funded cards providing instant access to revenue.

Expense Management

Spend controls, real-time visibility, and automated reconciliation — seamlessly built into every card.

Business Wallet

Store and grow your customers' cash with high yield from day one.

Bill Pay (AP)

AI-powered invoice processing and payment automation with rich payment methods and cash flow control.

Payment Collection (AR)

Get your users paid faster with automated invoicing and bank payments.

We handle the undifferentiated heavy lifting.
You focus on your competitive advantage.

Launch fast with uncompromising quality.

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Fraud OperationsLoss LiabilityDelinquency TrackingCollectionsCharge-OffsRecoveriesWarehouse FacilityCapital ManagementReserve ManagementFloat ManagementDebt CovenantsLender ReportingStatement GenerationBillingFraud OperationsLoss LiabilityDelinquency TrackingCollectionsCharge-OffsRecoveriesWarehouse FacilityCapital ManagementReserve ManagementFloat ManagementDebt CovenantsLender ReportingStatement GenerationBillingFraud OperationsLoss LiabilityDelinquency TrackingCollectionsCharge-OffsRecoveriesWarehouse FacilityCapital ManagementReserve ManagementFloat ManagementDebt CovenantsLender ReportingStatement GenerationBilling

Modular Design

Move seamlessly between integration modes as your product and needs evolve.

Fastest Go live in hours

Turnkey Subdomain

No engineering required. A fully managed financial suite on your own subdomain.

https://finance.company-name.com

Popular Go live in days

Embedded Apps

One API, native experience. Embed products with a single API call. Lightweight to ship, native for your users.

curl -X POST 'https://api.capitalos.com/accounts/:accountId/initiate-login'

Custom Go live in weeks

SDKs, APIs & Components

Full control. Robust APIs and a component library — everything you need to design fully custom workflows.

Not sure where to start? Our team will walk you through the options.

Talk to our team

Spend is a big problem for small businesses

Free your users from the financial busywork — help them save time and money, and improve margins.

0%¹

Average money savings

0 hours

Average annual time savings

“Our contractors are saving 5–8 hours every week on expense tracking alone. That's time they can spend on the job site instead of chasing down receipts.”

Read case study

Adam EagleCEO