CapitalOS

CapitalOS provides an embedded spend management infrastructure for B2B platforms, enabling them to offer financial services to their customers with a single API call. The company's main service is to help vertical SaaS companies and other B2B platforms to launch their own branded spend management solutions, including corporate cards, expense management, and accounts payable automation.

The business model is based on providing the necessary building blocks for these platforms, such as credit underwriting, risk management, access to capital, embeddable user interfaces, and the required licensing and compliance framework. This allows the B2B platforms to introduce a new revenue stream without the financial downside and operational complexity of building these capabilities from scratch. CapitalOS serves vertical SaaS companies that want to increase customer retention and revenue by offering financial products. The company operates in the fintech and B2B software markets.

Keywords: spend management, embedded finance, B2B platforms, API, credit underwriting, corporate cards, expense management, vertical SaaS, fintech infrastructure, accounts payable