Capchase
About
Capchase is a vendor financing platform for B2B software and hardware purchases that acts as both the lender and the lending infrastructure. It enables enterprise technology vendors and resellers to offer buyers flexible payment terms while getting paid upfront in full. The platform combines AI-powered underwriting, embedded CRM software, and a direct balance sheet to approve credit decisions in under 30 seconds.
Details
VenSearch Intelligence
Ideal Customer
- Capchase's sweet spot for its vendor financing platform (Capchase Pay) is mid-market to enterprise B2B technology vendors — software, SaaS, cloud, and hardware companies — that sell multi-year or large-ticket deals and want to offer buyers flexible payment terms while receiving full upfront payment.
- Named enterprise customers include Fortune 500 adjacent firms such as Palo Alto Networks, Barracuda, Okta, CDW, and Insight.
Key Differentiators
- Capchase's primary differentiator is its positioning as the only platform that is simultaneously the direct lender and the embedded lending infrastructure — providing both capital and the software layer for underwriting, origination, deal management, and loan servicing without relying on a third-party bank or lender.
- This allows 97% of lending applications to be vetted and approved in under 30 seconds, compared to the 4–17 day timelines typical of legacy bank financing.
Industries Served
- Capchase primarily serves the B2B technology sector, with a core focus on enterprise software (SaaS), cloud, hardware, and cybersecurity companies.
- Key named customers include Barracuda (cybersecurity), Okta (identity and access management), Verkada (physical security tech), Motive, Datarails, CDW, Insight, and Netradyne.
Service Coverage
- Capchase operates across nine countries spanning North America and Europe.
- Supported geographies include the United States, Canada, United Kingdom, Ireland, Spain, Belgium, Netherlands, Finland, and Sweden.
Partnerships
- Capchase has formal technology partnerships with Salesforce (as a managed package available org-wide), HubSpot (listed as an official app partner in the HubSpot App Marketplace since January 2024), and Stripe (as Stripe's first-ever B2B BNPL payment method in the U.S. market, announced September 2024).
- The platform also integrates with accounting systems such as QuickBooks and Xero, and billing/subscription platforms including Chargebee and Recurly.
Company Size & Ownership
- Capchase was founded in 2020 by Miguel Fernandez Larrea (CEO), Luis Basagoiti Marques (COO), Ignacio Moreno Pubul, and Przemek Gotfryd — all Harvard Business School alumni.
- The company employs approximately 100 people representing over 15 nationalities.
Compliance & Certifications
- Capchase maintains an information security management system with a comprehensive suite of internal security policies covering access control, data integrity, incident management, cryptography, network security, and software development.
- The company commits to GDPR compliance for its EU-based users, processing personal data in accordance with applicable European data protection regulations.
Compiled from public sources by VenSearch · Last researched October 14, 2026
Offerings
13 offeringsAgentic Lending Coordinator
The Agentic Lending Coordinator is an AI-powered tool that automates follow-ups, collects and organizes documents, and manages the progression of multi-party deals. It converts quotes, purchase orders, and emails into fully structured deal packages in 60 seconds. It is designed to serve Fortune 500 enterprise tech companies including Palo Alto Networks, Barracuda, CDW, and Insight.
ARR Calculator
The ARR Calculator is a tool that shows vendors how much their annual recurring revenue could grow by using Capchase Pay. It is offered as a free resource on the Capchase website to help sales and finance teams model the revenue impact of offering flexible payment terms.
Bespoke Financing Programs
Capchase enables vendors to launch their own fully branded captive financing programs without building lending infrastructure or technology. The platform and capital can be deployed in days rather than months, and buyers interact with a checkout experience that carries the vendor's brand. This allows vendors to offer financing at scale under their own identity.
Capchase Pay
Capchase Pay is a Buy Now, Pay Later financing solution for B2B tech purchases that combines installment payment options with compliance and risk mitigation. Vendors get paid upfront in full while buyers can spread payments over months, quarters, or years. It supports complex loan structures and flexible terms such as net 30, 60, 90, and 180.
Channel Partner Financing
Capchase allows vendors to put their financing rate card in the hands of their reseller partners, enabling resellers to price deals on vendor-approved terms and send branded proposals and payment links. Vendors maintain control over pricing and margins remain private from partners. This is designed to help resellers close deals faster without delays from traditional lenders.
Deal Management
Capchase's deal management tools reduce closing time from weeks to hours using AI-powered workflows and auto-generated documents configured directly from a CRM. It supports multi-party collaboration including channel partners, commission calculations, and revshare terms, while enabling upsells, add-ons, and renewals with a few clicks. Automated deal updates are pushed to Slack or Microsoft Teams.
Direct Lending
Capchase acts as the direct lender for B2B technology deals, approving credit for buyers based on publicly available data and CRM data without requiring financial disclosures or running a credit check. Vendors receive full payment upfront even for large multi-year deals while buyers repay over time. Capchase takes on credit risk and collections responsibilities.
Discount Impact Calculator
The Discount Impact Calculator is a tool that calculates how much ARR a vendor is losing by offering price discounts. It is available as a resource on the Capchase website to help finance and sales teams quantify the cost of their discounting strategy.
Financing Infrastructure Platform
Capchase provides embedded financing infrastructure that integrates directly into Salesforce and HubSpot CRMs, allowing sales reps to generate credit decisions, financing offers, and loan documents without leaving their existing tools. The platform uses AI-powered underwriting algorithms to assess buyer creditworthiness and can approve even six- and seven-figure deals in under 30 seconds. It automates purchase order generation and payments to vendors and channel sales partners.
HubSpot Integration
Capchase integrates directly into HubSpot, allowing sales teams to run AI-powered buyer qualification, generate quotes, and create loan documents from within HubSpot opportunity records. The integration enables CRM-embedded deal configuration and real-time visibility into deal progression. Setup is fast and does not require custom development.
Loan Servicing
Capchase handles automated billing, monthly invoices, payment reminders, and buyer checkout through a whitelabeled experience supporting ACH debit and credit card payments. Buyers can pay via ACH, BACS, SEPA, Autogiro, or PAD depending on geography. Capchase manages delinquency and collections on behalf of vendors, as it is the lender of record.
Mila (AI Agent)
Mila is an AI agent that automates deal financing workflows for sales teams. A rep can send Mila a quote by email or at finance.new, and she reads it, identifies missing information, and returns a payment link with a contract ready to sign. For approvals requiring human judgment, she escalates to an account manager.
Salesforce Integration
Capchase offers a managed package that installs org-wide inside Salesforce in hours with zero custom development required for RevOps. Sales reps can get credit decisions, generate financing offers, build proposals, and manage deals without leaving Salesforce. The integration supports automated deal updates and commission tracking.
Considering Capchase?
Our team will work with you to determine if Capchase is the right fit for your organization. From research and assessment through procurement negotiation and ongoing vendor management — we handle the entire process at no cost to you.