Capchase Raises $200M+ to Expand Financing Platform

Capchase has raised over $200 million in fresh capital, combining $26 million in equity financing and a $174 million credit facility. The round was led by 01 Advisors, with participation from fintech and venture investors including Caffeinated Capital, Thomvest Ventures, Scifi VC, Bling Capital, and Invesco. The funding will support global expansion of its embedded lending infrastructure and AI-driven features. Founded in 2020 by Miguel Fernandez and Przemek Gotfryd, Capchase operates as a B2B ‘Buy Now, Pay Later’ platform, addressing cash flow challenges in enterprise tech transactions. Vendors prefer upfront payments, while buyers seek flexible instalments. Capchase bridges this gap by offering up to five-year payment plans, paying vendors immediately while collecting from buyers in instalments. The company disrupts the $1.3 trillion vendor financing industry, traditionally dominated by slow-moving banks. Capchase integrates natively into Salesforce, automating underwriting and approvals in under 30 seconds for 97% of applications. This allows it to target stable, mature buyers—companies with $80 million in annual revenue, over 20 years in operation, and full profitability. Alongside the funding, Capchase launched its Agentic Lending Coordinator, an AI tool designed to streamline multi-party enterprise deals. The system automatically processes fragmented quotes and purchase orders, reducing administrative friction in complex transactions. Capchase’s model eliminates legacy financing delays by embedding lending directly into sales workflows. Its AI-driven automation and Salesforce integration enable rapid approvals, positioning it as a key player in modern B2B financing.