“Can a hospitality PMS become the financial operating system for independent hotels and vacation rentals by embedding payments, capital, and marketplace integrations into one platform?”
Founded in 2012 as a cloud-based property management system (PMS) for hotels and vacation rentals, Cloudbeds expanded its platform strategy around 2017 by recognizing payments as a core monetization layer. In 2019, the company migrated to Stripe Connect as the backbone of Cloudbeds Payments, its embedded payment product for hotel operators. Over time, Cloudbeds layered on additional financial products — most notably Cloudbeds Capital (merchant lending powered by Stripe Capital) — positioning itself as a full financial OS for the hospitality vertical rather than a pure SaaS PMS.
Cloudbeds processes payments through Stripe Connect, Paystack and stripe.
Cloudbeds's lending and capital products are provided by Stripe Capital.
Cloudbeds integrates with QuickBooks, Xero, Sage, FreshBooks, Wave, Zoho Books and NetSuite.
The Embedded Finance Index 2026 maps 3 layers in Cloudbeds's stack: Payments / PSP (Stripe Connect, Paystack and stripe); Lending (Stripe Capital and Cloudbeds Capital); Accounting (QuickBooks, Xero, Sage, FreshBooks and 3 others).
Cloudbeds was founded by Adam Harris and Richard Castle and is founded in 2012, headquartered in San Diego, CA, USA.
Cloudbeds has raised $150M+ in total (latest round: Series D, November 2021).
Get a read on where your own stack stands against Cloudbeds and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.