We help companies buy the tech they need now — through faster access to financing.
Vendor financing for enterprise technology is a $1.3 trillion market that has barely changed in four decades. The incumbents have capital but have never been forced to build real technology because their customers had nowhere else to go. AI is what finally makes it possible to displace them at scale, and Capchase is the only platform that combines the AI-powered underwriting, the embedded software, and the actual balance sheet to do it.
Unlike banks and legacy equipment financing providers, we skip the multi-day underwriting, manual paperwork, and fragmented email threads. Because financing should be a sales lever, not a bottleneck.
Capchase is based in New York, with offices in San Francisco and Madrid, and is backed by leading fintech investors QED, Invesco, Thomvest, and 01 Advisors.
Funded by industry-leading fintech investors:
Capchase Co-founders: Przemek, Luis, Miguel and Guli
Our story
The founding team came together from two directions that converged on the same problem: enterprise technology deals were stalling because financing was broken. Miguel Fernandez, Luis Basagoiti, and Guli Moreno worked together at a software company before starting Capchase. Miguel and Przemek Gotfryd met at Harvard Business School, where Przemek was coming from a background in tech investing.
What they all experienced firsthand, from different seats, was the same friction at the point of sale in B2B software. Vendors want to get paid as quickly as possible while buyers want to pay as late as possible. The vendor extends credit and waits. The buyer takes a hit on cash. Neither is actually in the business of lending money, and yet that tension sits at the center of almost every enterprise technology deal.
Capchase was founded in 2020 with the mission to fix it.
Today, Capchase is the only partner that simultaneously serves as the lender and the lending infrastructure. Banks have capital but slow processes. SaaS fintechs have software but no balance sheet from which to lend directly. Capchase has both.
We're replacing a workflow that hasn't changed since the 1980s with software that moves at the speed of tech.
Countries
Financing volume
Increased deal win rates
Applications approved in < 30 seconds
Of vendors paid on time and in full in 2025
Transactions managed
Financing at the speed of tech.
Here are some of the milestones along our journey.
Inception
Founded in New York with a mission to make enterprise technology deals happen faster. Built our foundational technology and lending infrastructure.
$125M Series A
Secured $125M in funding. Expanded across the U.S., U.K., and Spain.
$80M Series B
Secured $80M in funding. Extended financing solutions and expanded to Canada, Finland, Sweden, Belgium, and the Netherlands.
Capchase Pay launch
Launched Capchase Pay, combining Buy Now, Pay Later financing with compliance and risk mitigation. Surpassed $1B in financing volume. Named to Forbes' Next Billion Dollar Startups.
B2B "Buy Now, Pay Later"
category leader
#1 in B2B Installment Payments & Buy Now, Pay Later on G2. Surpassed 2,000 active vendors and buyers. $1B+ in total capital secured.
$200M+ fundraise
Secured $200M+ in incremental funding to scale AI-native financing infrastructure globally. Launched Agentic Lending Coordinator to serve Fortune 500 enterprise tech companies including Palo Alto Networks, Barracuda, CDW, and Insight.
Our proudest moments:
Best Startup Employer
We’re in New York, Madrid, and San Francisco.
New York
116 E 27th St, 4th Floor
New York, NY 10016
United States
Madrid
Paseo de la habana 28- 1 D 28036, Madrid
Spain
San Francisco
San Francisco, CA 94105
United States
