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.
Funding
$48M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
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.
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.
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