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CapitalOS: Revolutionizing B2B Spend Management with $39M Boost

In a significant move in the fintech sector, San Francisco-based startup CapitalOS has emerged from stealth mode, securing a substantial $39 million in combined equity and debt financing. This injection of funds marks a pivotal moment for the company, known for its innovative spend management infrastructure tailored for B2B platforms.

CapitalOS Logo

Background of CapitalOS

Founded by veterans from leading tech companies like Microsoft, Stripe, Lyft, and Tipalti, CapitalOS was established in 2022. The core team brings a wealth of experience and expertise, positioning the company at the forefront of fintech innovation.

Innovative Solution for B2B Platforms

CapitalOS’s unique offering lies in its spend management solution, designed to ease the financial operations for small businesses. This solution addresses a common pain point: the extensive time and resources required for in-house development of similar systems. CapitalOS streamlines this process by handling everything from user onboarding to ongoing card management. The company’s solution is a testament to its commitment to making high-end financial management tools accessible to smaller enterprises.

Strategic Funding and Future Plans

The recent funding round, comprising $9 million in equity and $30 million in debt financing, was led by Group 11, with contributions from Upper90, Vera Equity, Slow Ventures, and notable angel investors from the fintech world. This strategic investment will propel CapitalOS to scale its business operations and expand its network of software platform partners.

Impact on Small Businesses

For small businesses, managing expenses is a critical yet challenging aspect. CapitalOS addresses this issue by providing a streamlined, API-driven solution that simplifies compliance, risk management, and underwriting processes. This approach not only saves time and money but also enhances the financial services capabilities of small businesses at a fraction of the cost of in-house development.

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Testimonials and User Experience

The effectiveness of CapitalOS’s solution is echoed by its users. Yosi Rahimi, VP of Strategy & Operations at Workiz, highlighted the rapid deployment and cost-effectiveness of CapitalOS’s services. Such testimonials underscore the practical benefits and real-world impact of the platform.

Partnerships and Availability

CapitalOS has already established partnerships with various platforms, making its services available to thousands of businesses. Notable partners include Intuit QuickBooks, Workiz, and Roll Credits, signifying the broad applicability and demand for its spend management solutions.


CapitalOS’s emergence with substantial funding is more than just a financial milestone. It represents a significant leap forward in fintech, especially for B2B platforms serving small businesses. With its innovative approach and strategic partnerships, CapitalOS is well-positioned to redefine spend management and empower small businesses with efficient, accessible financial tools.

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