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.
Offer revenue-based credit lines that grow with businesses on your platform, without credit checks.
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
of small businesses rank working capital as their #1 problem
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.
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
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.