Capchase
Capchase is a New York-based fintech founded in 2020 that provides AI-powered B2B vendor financing and buy-now-pay-later infrastructure, lending directly from its balance sheet to enterprise tech vendors, channel partners, and buyers across 9+ countries.
- Company typePrivate
- Founded2020
- HeadquartersNew York, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Capchase does
Capchase is a New York-based fintech founded in 2020 by Miguel Fernandez, Luis Basagoiti, Guli Moreno, and Przemek Gotfryd that provides B2B vendor financing and buy-now-pay-later infrastructure for the enterprise technology ecosystem. The company operates as both a direct lender (using its own balance sheet augmented by credit facilities from Deutsche Bank and other institutional partners) and a software platform, delivering AI-powered underwriting that approves 97% of buyer applications within 30 seconds, embedded Salesforce/HubSpot CRM apps that deploy org-wide in hours via managed package, and multi-party deal workspaces for vendors, channel partners, and buyers. Its product suite includes the Capchase Platform, Capchase Pay (B2B BNPL), Capchase Expense Financing, Capchase Analytics, the AI-native Agentic Lending Coordinator, and the acquired Vartana vendor financing product.
Capchase targets four primary personas: sales and finance teams at B2B tech vendors, channel partners/OEMs/distributors, B2B tech buyers, and Fortune 500 enterprise tech vendors (with named customers spanning cybersecurity, IT distribution, and data/AI). The platform is distributed through direct enterprise sales, Salesforce/HubSpot marketplace apps, public APIs for embedded checkout, a self-serve Buyer Payment Portal, and OEM/whitelabel partnerships (e.g., Barracuda Financial Services). The company operates across 9+ countries in North America and Europe, with planned expansion into Australia, and supports payment rails including ACH, BACS, SEPA, Autogiro, PAD, and credit card via partners like Stripe, GoCardless, Plaid, and JPMorgan Chase.
Revenue is generated through two primary mechanisms: net interest income on loans originated from its balance sheet at industry-comparable rates, and flat transaction fees per deal closed using Capchase Pay (paid by vendor, buyer, or split). Total cumulative financing volume has reached $2B+ ($2.5B+ on the tech-buyer page) across 10,000+ B2B customers and 2,000+ active vendors. The company has raised over $1.1B cumulatively across equity and debt through May 2026, with lead investors including 01 Advisors, QED Investors, and i80 Group, and was named to Forbes' Next Billion Dollar Startups in 2024 and ranked #1 for B2B in G2's Winter 2025 Installment Payment & BNPL Grid Report.
Capchase firmographics
Firmographics- Name
- Capchase
- Legal name
- Capchase Inc.
- Website
- https://capchase.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Capchase is a New York-based fintech founded in 2020 that provides AI-powered B2B vendor financing and buy-now-pay-later infrastructure, lending directly from its balance sheet to enterprise tech vendors, channel partners, and buyers across 9+ countries.
- Ownership category
- akta.pro rank
Capchase industry classification
Industry- Product category
- Vendor Financing Platform
- NAICS
- Sales Financing (52222), Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153), Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
- akta.pro secondary industry
- Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF)
Keywords
Where Capchase is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Markets served
Capchase business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Others, Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Net interest income on originated loans: Capchase lends directly from its own balance sheet to qualified business buyers at industry-comparable rates. Revenue is earned on net interest income spread between the rate paid to capital providers and the rate charged to borrowers across the loan term.
- Transaction fees on facilitated financing: A flat financing fee is charged on each deal closed using Capchase Pay. Fees can be paid by the vendor, the buyer, or split between both parties. No minimum usage obligations.
- Capchase Pay flexible payment fee: Flat financing fee for each deal using the Capchase Pay flexible payment method; vendor, buyer, or split fee arrangement. Setup is free and minimal, with deal-by-deal monetization.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Flat transaction fee per financed deal |
| Other | Monthly | Net interest income on originated loans |
Go-to-market motion5 records
Distribution channels5 records
Marketing channels8 records
Capchase product offering
Product offeringCore offering
Capchase is a B2B vendor financing platform that lends directly to business buyers from its own balance sheet, pays software and hardware vendors (and their channel partners) the full contract value upfront, and lets buyers repay in flexible installments. The platform combines AI-powered underwriting (decisions on 97% of applications within 30 seconds), native Salesforce/HubSpot apps, a public API for embedded checkout, and a buyer self-service portal to deliver a single integrated lending and lending-infrastructure product.
Product overview
Capchase offers a unified vendor financing platform that combines a direct lending balance sheet with AI-powered underwriting and embedded CRM/API infrastructure, sold as a single integrated offering composed of several named products and modules. The core Capchase Platform delivers direct lending, AI underwriting, deal management, and loan servicing, with the Salesforce-native widget and public APIs serving as the embedding layer. Built on top of this platform are product modules including Capchase Pay (the flagship B2B BNPL offering launched in 2023 and ranked #1 for B2B on G2), Capchase Expense Financing (an earlier BNPL product launched in 2021), Capchase Analytics (financial decision-making tool launched in 2022), and the AI-native Agentic Lending Coordinator (launched May 2026). The platform also includes a Buyer Payment Portal for self-service loan management and integrates with the acquired Vartana vendor financing product (acquired June 2025). Together these products let vendors get paid the full contract value upfront while buyers pay Capchase in installments across 9+ countries.
Differentiator
Problem solved
Functional benefit
Brands
- Capchase Analytics: Financial decision-making tool for SaaS founders launched in July 2022.
- Capchase Pay
- Capchase Grow
- Agentic Lending Coordinator
Products and services
- Capchase Platform Core vendor financing and lending infrastructure platform for B2B tech vendors: combines direct lending from Capchase's own balance sheet with AI-powered underwriting, deal management, and loan servicing, including Salesforce-native and HubSpot-native apps, public APIs for embedded checkout, and multi-party deal collaboration. Processes 97% of applications in under 30 seconds.
- Capchase Pay B2B Buy Now, Pay Later product for SaaS and tech vendors that lets buyers pay over installments while Capchase pays the vendor the full annual contract value upfront and assumes collections and credit risk. Ranked #2 in BNPL and #1 for B2B on G2's Winter 2025 Installment Payment & BNPL Grid Report.
- Capchase Expense Financing B2B Buy Now, Pay Later product that lets companies split large expenses into fixed repayments over 3, 6, 9, or 12 months to manage cash flow and finance growth.
- Capchase Analytics Financial decision-making and analytics tool for SaaS founders that provides analytics to help SaaS founders make financing and growth decisions.
- Agentic Lending Coordinator AI-native automation product that autonomously converts quotes, purchase orders, and emails into fully structured deal packages in approximately 60 seconds, automating follow-ups, document collection, and multi-party deal progression.
- Capchase Grow Non-dilutive growth financing product line for SaaS companies, referenced in case studies as a way to support deals with growth-stage vendors.
- Buyer Payment Portal Self-service portal where B2B tech buyers review purchases, invoices, and loan payment schedules, submit invoices/POs, set up automated bill pay via ACH/BACS/SEPA/Autogiro/PAD/credit card, request adjustments, renew contracts, and manage multiple software subscriptions financed through Capchase.
- Capchase APIs Public REST APIs (documented at capchase.readme.io) that allow vendors and partners to embed Capchase instant financing directly into digital checkout experiences or other closing flows, with full control over branding and deal flow. Supports integration into CRM, CPQ, billing, or accounting systems.
- Vartana (acquired) Vendor financing platform acquired by Capchase in June 2025 to strengthen Capchase's position in vendor and equipment financing, enhancing speed, integration, and automation in financing solutions.
Companies that use Capchase
Customer profileNamed customers25 records
Segments6 records
Ideal customer profiles4 records
Capchase technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability10 records
Feature7 records
Capchase partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered flagship and core.
- Barracuda (Barracuda Networks)flagshipLaunched Barracuda Financial Services powered by Capchase to deliver flexible payment options for multi-year cybersecurity contracts. Resellers and distributors receive full payment upfront from Capchase while buyers pay over time. Cited as a flagship embedded financing partnership enabling channel acceleration.
- VartanacoreCapchase acquired Vartana, a tech-forward vendor financing platform, in June 2025 to strengthen its position in vendor and equipment financing with faster, more integrated, automated solutions.
- Amazon Web Services (AWS)corePartnership with AWS referenced alongside European expansion and new product launches announced at the time of Capchase's Series B.
- SalesforceflagshipNative Salesforce integration via managed package that installs org-wide in hours. Only Salesforce-native vendor financing platform; lets reps run credit checks, generate quotes, and create loan documents without leaving opportunity pages. Includes Salesforce AppExchange listing.
- HubSpotcoreNative HubSpot integration: run credit checks and generate financing offers from HubSpot Company and Deal pages. Available in the HubSpot App Marketplace.
- QuickBookscoreNative QuickBooks integration for seamless data connection for eligibility review and accounting reconciliation.
- XerocoreNative Xero integration for seamless data connection for eligibility review and reconciliation.
- ChargebeecoreIntegration with Chargebee for seamless data connection for eligibility review.
- PlaidcorePlaid integration provides easy bank connection for eligibility review or payment method selection.
- TellercoreTeller integration provides easy bank connection for eligibility review or payment method selection.
- GoCardlesscoreGoCardless integration for easy bank connection for eligibility review; also powers direct debit payment rails (BACS, SEPA, Autogiro) for buyers.
- StripecoreStripe powers payment processing — buyers can pay through Stripe (referenced in tech-buyer and G2 FAQs).
Scale indicators15 records
Recent moves9 records
Expansion highlights5 records
Capchase competitors and assessment
Company assessmentDirect peers
- Wayflyer: Wayflyer provides revenue-based financing and inventory funding to e-commerce and SaaS companies. Comparable to Capchase in offering non-dilutive growth capital with rapid underwriting, though Wayflyer skews more e-commerce while Capchase focuses on B2B tech.
- Clearco: Clearco (formerly Clearbanc) offers non-dilutive, revenue-based financing to SaaS and e-commerce companies. Closely overlaps with Capchase Grow / Capchase Expense Financing in serving growth-stage SaaS businesses needing upfront capital without dilution.
- Founderpath: Founderpath provides revenue-based financing and growth capital to B2B SaaS founders. Overlaps with Capchase Grow and Capchase Expense Financing for non-dilutive SaaS growth funding with comparable underwriting and term structures.
- Pipe: Pipe provides revenue-based financing and B2B BNPL tools to SaaS and subscription companies, allowing them to convert recurring revenue into upfront capital. Directly comparable to Capchase's core vendor financing and Capchase Pay offerings targeting SaaS founders and enterprise tech vendors.
- Resolve: Resolve offers B2B BNPL and net-terms financing to businesses, letting buyers pay over time while vendors get paid upfront. A direct competitor to Capchase Pay and the broader vendor financing proposition for B2B software and hardware sales.
Broad incumbents
- Stripe Capital: Stripe Capital offers working-capital advances to businesses on top of Stripe's payments rails. As a broad incumbent in payments infrastructure, it competes with Capchase's Buyer Payment Portal and embedded checkout, and could expand deeper into B2B vendor financing.
- Brex: Brex provides corporate cards, business credit, and embedded finance products to startups and enterprises. A broad incumbent in business financing whose embedded credit and lending products compete with Capchase's vendor financing for the same enterprise buyer personas.
- BlueVine: BlueVine offers small-business banking, lines of credit, and invoice factoring. Overlaps with Capchase on receivables-based financing for B2B buyers, though BlueVine is broader in financial services scope and SMB-skewed.
Emerging players
- Parafin: Parafin provides embedded capital products (working capital and merchant cash advances) to small businesses through software platforms. Comparable to Capchase's embedded financing infrastructure model, especially the OEM/whitelabel and API distribution strategy.
- Sardine: Sardine provides fraud, compliance, and instant ACH/payments infrastructure for fintechs and B2B platforms. Adjacent to Capchase's risk, underwriting, and payment-rail capabilities powering Capchase Pay and the Buyer Payment Portal.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Capchase social profiles
Digital presenceCapchase compliance and trust
Trust signalCompliance3 records
Capchase financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capchase leadership team
Management profileNumber of profiles
Profiles6 records
Capchase subsidiaries and ownership
Company hierarchySubsidiaries1 record
Capchase funding detail
Funding detailFunding overview
Funding rounds11 records
Investors22 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capchase M&A and investment
M&A and investmentM&A1 record
Investments5 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capchase
What does Capchase do?
Capchase is a B2B vendor financing platform that lends directly to business buyers from its own balance sheet, pays software and hardware vendors (and their channel partners) the full contract value upfront, and lets buyers repay in flexible installments. The platform combines AI-powered underwriting (decisions on 97% of applications within 30 seconds), native Salesforce/HubSpot apps, a public API for embedded checkout, and a buyer self-service portal to deliver a single integrated lending and lending-infrastructure product.
Is Capchase a public or private company?
Capchase is a private company. It is classified as venture growth investor backed and is currently operating.
When was Capchase founded?
Capchase was founded in 2020. It employs 101 to 250 people.
Where is Capchase based?
Capchase is headquartered in New York, United States, in the North America region.
How does Capchase make money?
Three revenue lines are on record. Net interest income on originated loans are the primary driver. The others are transaction fees on facilitated financing and capchase Pay flexible payment fee.
Who are Capchase's main competitors?
Direct peers on record are Wayflyer, Clearco, Founderpath, Pipe and Resolve. Broad incumbents are Stripe Capital, Brex and BlueVine. Emerging players are Parafin and Sardine.
Does Capchase have an API?
Yes. Capchase offers a public REST API (documented at capchase.readme.io) that lets developers embed instant financing options directly into a digital checkout experience or other closing flows. The API enables embedding Capchase Pay into CRM, CPQ, billing, or accounting systems, and supports fully white-labeled, customizable deal flows. API-driven checkout is described as embedded financing at checkout with full control over branding and deal flow. Developer documentation is at capchase.readme.io.
What industry is Capchase in?
Capchase's product category is Vendor Financing Platform. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout), with a secondary code of FSAKAFAF, Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest). Its NAICS code is 52222 and its SIC code is 6153.