Embedded Finance for the
Agentic Era

Enable agents and users to spend, pay, invoice, and manage money inside your platform. CapitalOS handles risk, underwriting, compliance, and capital so you can launch in days.

Embedded finance built for B2B platforms

Embedded Credit Cards

Unlimited business credit cards with a credit limit based on business performance.

Embedded Balance Cards

Pre-funded cards providing instant access to revenue.

Expense Management

Spend controls, real-time visibility, and automated reconciliation — seamlesslybuilt into every card.

Business Wallet

Store and grow your customers' cash with high yield from day one.

Bill Pay (AP)

AI-powered invoice processing and payment automation with rich payment methods and cash flow control.

Payment Collection (AR)

Get your users paid faster with automated invoicing and bank payments.

We handle the undifferentiated heavy lifting.
So you can focus on your business.

Launch fast with uncompromising quality.

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Fraud OperationsLoss LiabilityDelinquency TrackingCollectionsCharge-OffsRecoveriesWarehouse FacilityCapital ManagementReserve ManagementFloat ManagementDebt CovenantsLender ReportingStatement GenerationBillingFraud OperationsLoss LiabilityDelinquency TrackingCollectionsCharge-OffsRecoveriesWarehouse FacilityCapital ManagementReserve ManagementFloat ManagementDebt CovenantsLender ReportingStatement GenerationBillingFraud OperationsLoss LiabilityDelinquency TrackingCollectionsCharge-OffsRecoveriesWarehouse FacilityCapital ManagementReserve ManagementFloat ManagementDebt CovenantsLender ReportingStatement GenerationBilling

Modular Design

Move seamlessly between integration modes as your product and needs evolve.

Fastest Go live in hours

Subdomain

Hosted on your subdomain. A fully hosted spend management experience on your own subdomain. No engineering required.

https://finance.company-name.com

Common Go live in days

Single API Call

One API, native experience. Embed spend management with a single API call. Lightweight to ship, native for your users.

curl -X POST 'https://api.capitalos.com/accounts/:accountId/initiate-login'

Custom Go live in weeks

SDKs, APIs & Components

Full control. Robust APIs and a component library, everything you need to design fully custom workflows.

Not sure where to start? Our team will walk you through the options.

Talk to our team

Spend is a big problem for small businesses

Free your users from the financial busy work, help them save time, money and improve margin.

0%¹

Average money savings

0 hours

Average annual time savings

Jonathan Ferber, Head of BizOps at Guesty

“CapitalOS helped us turn expense management into a new revenue stream without touching compliance or hiring engineers.”

Jonathan FerberHead of BizOps

Embedded Finance for theAgentic Era