CapitalOS is an embedded spend management infrastructure designed for B2B platforms, enabling them to launch spend management solutions rapidly and efficiently. CapitalOS provides the foundational technology for platforms to integrate spend management features—including white-labeled physical and virtual charge cards—through a single API.
By handling complex backend requirements such as risk, capital, underwriting, and compliance, CapitalOS allows B2B platforms to avoid the lengthy, resource-intensive process of building spend management capabilities in-house. This lets platforms create new revenue streams, improve their customers’ lifetime value (LTV), and offer enhanced cash flow control to their end-users.
CapitalOS is particularly focused on supporting the unique spend and credit needs of small businesses. Its infrastructure empowers platforms to help their customers save time and money while maintaining effective spend management and financial oversight.
Who Uses CapitalOS?
CapitalOS serves B2B platforms looking to add or enhance spend management capabilities for their business customers. Notable customers include:
- Workiz
- HoneyBook
- Roll Credits
This illustrates CapitalOS’s focus on enabling SaaS and marketplace platforms to offer financial products to their small business clients.
How Was CapitalOS Started?
CapitalOS was established by a founding team with extensive experience in fintech, SaaS, and B2B platforms. The team includes Nir Dremer and Matan Goldschmiedt, as well as advisors and executives with backgrounds at companies such as Affirm, Gusto, Navan Expense, Pulley, Apollo Global, A.Team, HoneyBook, and Tipalti. This diverse leadership brings deep expertise in building and scaling financial technology products.
What Makes CapitalOS Different?
- Fast deployment: Platforms can launch spend management solutions in days, not years.
- Comprehensive integration: A single API call provides access to the full stack, including cards and user experience.
- Managed complexity: CapitalOS oversees risk, underwriting, compliance, and capital, reducing the operational burden for clients.
- White-label support: Enables platforms to maintain their brand experience.
Where Is CapitalOS Based?
CapitalOS is headquartered in the San Francisco Bay Area, CA, United States, and has a team size of 11-50 employees.
For more information, visit their About page.
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