CapitalOS Raises $39M in Funding to Empower Platforms with Embedded Spend Management -->
Spend Management
for businesses on your platform
Save time and money for your users with a single API call. Introduce a new revenue stream with no financial downside - CapitalOS provides the capital and takes on compliance and risk.
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Managing spend is a big problem for small businesses
of small businesses rank working capital as their #1 problem
wasted annually by small businesses on manual expense reconciliation
Based on a survey of 2,000 small businesses conducted with our partners
With one single API call
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CapitalOS takes care of
Credit Underwriting
Offer credit limits that grow with eligible businesses on your platform, without credit checks.
Credit Limit
Working Capital
We provide the capital so you won't need to raise and manage debt or take on any financial risk.
Best-in-class card management and spend controls that seamlessly integrate into your app and continuously improve.
Compliance & Licensing
Compliance, auditing, and licensing - CapitalOS takes on all the heavy lifting so you can focus on your core competency.
Slick Experience
Most businesses onboard in 2-4 minutes with instant decisioning. No credit score check. Beautiful mobile and physical cards.
Fraud & Risk
Delegate risk and fraud to our experts. Avoid financial risk.
Help your customers
Save money
Save time
Operate efficiently
While driving
A new revenue stream
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Increased ARPU
Boosted retention
Field Service Management
“Using CapitalOS, we were able to launch Workiz Card to production in less than a week. Feedback from our users has been phenomenal, further validating our conviction that managing spend is a big pain for our customers.“
Yosi Rahimi
VP, Strategy & Operations, Workiz
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Roll Credits
Entertainment Production Management
“With CapitalOS's platform, we were able to rapidly implement our customer card program into our MVP in just a few days - a task that would have demanded months with any other platform out there. Their customer support has been exceptionally responsive, setting a high bar that motivates us to strive for similar excellence in our own customer interactions.”
Chase Gladish
Co-Founder & CTO at Roll Credits
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Who provides the underlying capital?
CapitalOS provides the capital and takes on the underwriting risk. Your platform is not financially responsible for your businesses' transactions.
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What are the sizes of credit limits provided to businesses?
CapitalOS credit limits can vary between 2 to 8 weeks of the business revenues. Credit limits can reach up to $100,000/month per business.
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Are these cards widely accepted?
CapitalOS cards are accepted wherever Visa is supported.
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Who issues CapitalOS cards?
CapitalOS cards are issued by First Internet Bank of Indiana, Member FDIC, pursuant to a license from Visa Inc.
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What are my card design options?
CapitalOS cards are white labeled with your brand. We will be happy to support you in the design process.
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Do you support Apple Wallet and Android Wallet?
Yes! Mobile wallets are fully supported.
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Two days to integrate CapitalOS. Seriously?
Yes, we know it's hard to believe! We invested heavily to make the integration experience extremely simple while making sure that your product is at the center stage and we're a hidden provider behind the scenes.
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How do I get started?
Contact sales and we will get back to you as fast as we can.
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