Spend Management
for businesses on your platform
for businesses on your platform
Save time and money for your users with as little as a single
API call. Introduce a new revenue stream
with no financial downside - CapitalOS
provides the capital and takes on compliance and risk.
Business Credit Cards
Unlimited cards with a credit limit based on business performance.
Expense Management
Spend controls, real-time visibility, and automated
reconciliation.
Bill Pay
AI-powered invoice processing and payment automation.
Business Wallet
Store and grow your customers' cash with high yield from day one.
Managing spend is a big problem for
small businesses
79
%
of small businesses rank working capital as their #1 problem
20
Days
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
curl-XPOST
'https://api.capitalos.com/accounts/:accountId/initiate-login'
CapitalOS takes care of
Credit Underwriting
Offer credit limits that
grow with eligible businesses
on your platform, without credit checks.
APPROVED
Credit Limit
$15,000
1
Working Capital
We provide the capital
so you won't need to raise and manage debt or take on financial
risk.
Embedded
UX & APIs
UX & APIs
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
Increased ARPU
Boosted retention
Workiz
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
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
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 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.
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, pursuant to a license from Visa Inc.
What are my card design options?
CapitalOS cards are co-branded 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 and we
will get back to you as fast as we can.