CapitalOS

Platforms shaping their industry
partner with CapitalOS

From seed-stage startups to public companies, platforms use CapitalOS to launch cards, bill pay, and wallets.

Workiz
WorkizCase study

How Workiz powers field service teams with embedded finance

Beam
BeamCase study

How Beam helps contractors save 8 hours per week

Guesty
GuestyComing soon

Coming Soon

What product leaders say about CapitalOS

Jonathan Ferber, Head of BizOps at Guesty
Guesty
“CapitalOS helped us turn expense management into a new revenue stream without touching compliance or hiring engineers.”
Jonathan FerberHead of BizOps

Real outcomes from platforms building on CapitalOS

Customer insight

“CapitalOS made expense management accessible in the same place our customers run their business.”

Guesty
3-10x

Larger credit limits CapitalOS underwriting uses real business performance instead of traditional credit scores.

Adaptive
8 hours

Saved weekly. Contractors eliminate manual receipt tracking and expense reconciliation.

Beam
Real-time tracking

Every purchase, materials, fuel, subcontractor invoices, is captured instantly and linked to a project.

Buildium
5%

Project costs recovered. Every purchase is automatically captured and tied to the correct project.

Givefront
1 week

Beam integrated CapitalOS and issued cards to contractors within days.

Beam
Faster collections

Finance teams accelerate AR with embedded payments tied to every invoice.

Gaviti
Operational impact

Care teams purchase supplies and manage spend without manual expense tracking.

Hint Health
Build on CapitalOS

The financial backbone of
leading platforms

Guesty
Adaptive
Beam
Givefront
Buildium
Dentira
Gaviti
Hint Health
Workiz
Moovs
Lili
Jobox
OPAL
Restoke
RollCredits
IronLedger

A fully integrated suite of financial products

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.