FintechOS raised $28 million in mixed debt and fairness, bringing its complete funding since 2017 to $178.9 million.
The capital will help US growth, deeper European shopper relationships, and crew development as the corporate shifts from effectivity mode again towards quicker growth.
FintechOS enters that development section from a stronger monetary base, having reached profitability whereas rising recurring income 40%, operational EBITDA greater than 102%, and its U.S. enterprise 130% in 2026.
Fintech enablement platform FintechOS has closed $28 million in mixed debt and fairness. The funding, when added to the corporate’s earlier rounds, boosts FintechOS’s complete funding to $178.9 million because it was based in 2017.
At present’s fairness funds come from present traders Bek Ventures, IFC, Cipio Companions, and Molten Ventures. The debt facility comes from Santander CIB. FintechOS will use the funding to fund its US growth, deepen its European shopper relationships, and develop its crew.
“Santander CIB’s help, alongside different traders that belief us, is a powerful vote of confidence within the path we’re on, and it offers us the capital to go after the extraordinary potential we see forward, notably within the US, with out compromising the self-discipline that received us to profitability within the first place,” stated FintechOS Founder and CEO Teo Blidarus.
FintechOS goals to assist banks launch new applied sciences by providing them low-code options that facilitate quick and cheap deployment of recent services. The corporate’s Unified Origination software is an AI-first, cross-product origination answer to assist retail and industrial banks speed up time-to-market. It additionally presents a composable core product for insurers.
2026 has been a powerful 12 months for FintechOS. The corporate turned worthwhile, boosted its recurring income by 40% and grew its operational EBITDA by greater than 102% year-over-year, and grew its US enterprise by 130%. Additionally this 12 months, FintechOS expects to set a brand new file of shopper acquisistion, including greater than 20 banks to its shopper checklist for FintechOS 8.
“Reaching profitability was not an accident, it was the result of a deliberate, multi-year effort to get our value base, our margins and our supply apply proper earlier than we pushed tougher on development once more,” stated FintechOS CFO Cyril Desouza. “Now that self-discipline is paying off twice over: the enterprise has reached profitability, and we’ve already made the shift again into excessive development, which is precisely the mixture that lets us tackle a spherical like this one.”
The funding comes at an fascinating inflection level for FintechOS. After spending the previous few years prioritizing effectivity and profitability, the corporate is now utilizing that stronger monetary footing to speed up development, notably within the US.
The combination of debt and fairness signifies that as an alternative of relying solely on one other dilutive enterprise spherical, FintechOS is including debt capital because it scales, a financing choice that’s extra accessible because it has moved into profitability. For banks, FintechOS’s growth provides one other well-capitalized competitor to the rising subject of suppliers promising to modernize product origination and core infrastructure with out requiring them to tear and change their present know-how stacks.
Photograph by Jonathan Borba
