An end-to-end spend management solution deployed in days
We make it possible to build a spend management solution in a
fraction of the time, for a fraction of the cost. Leading
platforms trust CapitalOS to power spend management for their
customers.
Credit underwriting
Offer revenue-based credit lines that grow with
businesses on your platform, without credit checks.
Underlying capital
CapitalOS provides the underlying capital so you won't
need to raise and manage debt or take on any financial
risk.
Embedded & white-labeled UX
Best-in-class onboarding, card management and spend
controls that seamlessly integrate into your app and
continuously improve.
Compliance & licensing
Compliance, auditing, state and federal licensing -
CapitalOS takes on all the heavy lifting so you can
focus on your core competency.
Physical cards & digital wallets
Your brand on high quality physical cards & digital
wallets.
Fraud & risk
Leverage our risk & fraud expertise and avoid any
financial risk.
“Using CapitalOS, we were able to launch to production in less
than a week. CapitalOS allows us to strengthen our core
financial services capabilities in a fraction of the cost
compared to in-house development.”
Yosi Rahimi
Head of Financial Services at Workiz
Save your users time and money
79%
of small businesses rank working capital as their #1
problem
20 days
wasted annually by small businesses on manual expense
reconciliation
A solution built for your platform
Payment processor agnostic
CaptialOS's no-code underwriting engine connects to your
payment processor with a few clicks.
BaaS agnostic
CapitalOS works out-of-the-box, whether you already
integrate with a BaaS provider or never plan to.
Backed by the best
Backed by VCs, executives & early employees from
Contact sales
FAQs
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.
What are the size of credit lines provided to
businesses?
CapitalOS credit lines can vary between 2 to 8 weeks
of the business revenues. Credit lines can reach up to
$100,000/month/business.
Are these cards widely accepted?
CapitalOS cards are accepted wherever Visa is
supported.
Who issues CapitalOS cards?
CapitalOS cards are issued by First Internet Bank of
Indiana, Member FDIC.
What are my card design options?
CapitalOS cards are white labelled with your brand. We
will be happy to support you in the design process.
Do you support Apple Wallet and Android Wallet?
Yes! Mobile wallets are fully supported.
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.
How do I get started?
Contact sales using the form and we will get back to
you as fast as we can.