About CapitalOS

CapitalOS provides an embedded spend management infrastructure that allows B2B platforms to offer credit limits and expense controls through a single API call, eliminating the need for manual reconciliation. By managing compliance and underwriting risk, CapitalOS enables small businesses to access working capital quickly while creating a new revenue stream for platform providers.

```xml <problem> Small businesses often struggle with working capital management, with many ranking it as their number one problem. This leads to wasted time on manual expense reconciliation and difficulties in accessing necessary funds. Existing solutions often require complex integrations and place the burden of compliance and financial risk on the platform provider. </problem> <solution> CapitalOS offers an embedded spend management infrastructure that allows B2B platforms to provide credit limits and expense controls to their users through a single API call. The platform handles credit underwriting, provides the necessary capital, and manages compliance and fraud risk, eliminating the need for platforms to raise debt or take on financial risk. This enables small businesses to access working capital quickly and efficiently, while simultaneously creating a new revenue stream and boosting retention for the platform provider. CapitalOS facilitates a seamless user experience with rapid onboarding and instant decisioning, offering both mobile and physical card options. </solution> <features> - Single API integration for embedded spend management - Credit underwriting and risk management handled by CapitalOS - Provision of working capital, eliminating the need for platform debt - Customizable, co-branded physical and virtual cards - Real-time spend controls and expense management - AI-powered invoice processing and payment automation - Business wallet for storing and growing customer cash - Support for Apple Wallet and Android Wallet </features> <target_audience> CapitalOS primarily targets B2B platforms, such as field service management and entertainment production management software, that want to offer embedded spend management solutions to their small business users. </target_audience> ```

What does CapitalOS do?

Where is CapitalOS located?

CapitalOS is based in San Francisco, United States.

When was CapitalOS founded?

CapitalOS was founded in 2022.

How much funding has CapitalOS raised?

CapitalOS has raised 48000000.

Location

San Francisco, United States

Founded

2022

Funding

48000000

Employees

16 employees

Major Investors

Group 11

Find Investable Startups and Competitors

Search thousands of startups using natural language

AI voice (2021+)underground pipe robots energy flexibility software

Start Searching

CapitalOS

⚠️ AI-generated overview based on web search data – may contain errors, please verify information yourself! You can claim this account with your email domain to make edits.

Executive Summary

capitalos.com 1K+

Crunchbase

Founded 2022 – San Francisco, United States

Funding

Estimated Funding

$20M+

Major Investors

Group 11

Team (15+)

No team information available.

Company Description

Problem

Small businesses often struggle with working capital management, with many ranking it as their number one problem. This leads to wasted time on manual expense reconciliation and difficulties in accessing necessary funds. Existing solutions often require complex integrations and place the burden of compliance and financial risk on the platform provider.

Solution

CapitalOS offers an embedded spend management infrastructure that allows B2B platforms to provide credit limits and expense controls to their users through a single API call. The platform handles credit underwriting, provides the necessary capital, and manages compliance and fraud risk, eliminating the need for platforms to raise debt or take on financial risk. This enables small businesses to access working capital quickly and efficiently, while simultaneously creating a new revenue stream and boosting retention for the platform provider. CapitalOS facilitates a seamless user experience with rapid onboarding and instant decisioning, offering both mobile and physical card options.

Features

Single API integration for embedded spend management

Credit underwriting and risk management handled by CapitalOS

Provision of working capital, eliminating the need for platform debt

Customizable, co-branded physical and virtual cards

Real-time spend controls and expense management

AI-powered invoice processing and payment automation

Business wallet for storing and growing customer cash

Support for Apple Wallet and Android Wallet

Target Audience

CapitalOS primarily targets B2B platforms, such as field service management and entertainment production management software, that want to offer embedded spend management solutions to their small business users.