Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 3 categories.
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Founded in 2022 by fintech veterans from Stripe, Microsoft, Lyft, and Tipalti, CapitalOS was purpose-built as embedded spend management infrastructure for B2B vertical SaaS platforms. Rather than targeting businesses directly, CapitalOS sells to platforms (e.g. field service management, SMB verticals) that want to offer their own branded charge cards, expense management, bill pay, and working capital to their users via a single API call. The company positions itself as the full-stack provider — handling credit underwriting, risk, capital deployment, compliance, and embeddable UI — differentiating from BaaS providers that require platforms to stitch together multiple infrastructure layers.
Other Card Issuing providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #83 of 227 in Card Issuing — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/capitalos/install" width="1" height="1" alt="" style="display:none">2 companies are linked to CapitalOS in the Embedded Finance Index 2026, through their own public disclosures or CapitalOS's published customer list, including Workiz and Beam.
CapitalOS is an embedded-finance provider in BaaS, Card Issuing and Spend / AP. It ranks #83 of 227 Card Issuing providers by linked companies.
The most-named Card Issuing alternatives to CapitalOS are Marqeta (66 buyers), Stripe Issuing (32 buyers), Enfuce (25 buyers), Paymentology (23 buyers), Sutton Bank (21 buyers) and Pliant (20 buyers).
CapitalOS was founded by Nir Dremer and Matan Goldschmiedt and is founded in 2022, headquartered in San Francisco Bay Area, California, United States.
CapitalOS has raised $48M in total.
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