- FintechOS raised $28 million in combined debt and equity, bringing its total funding since 2017 to $178.9 million.
- The capital will support US expansion, deeper European client relationships, and team growth as the company shifts from efficiency mode back toward faster expansion.
- FintechOS enters that growth phase from a stronger financial base, having reached profitability while growing recurring revenue 40%, operational EBITDA more than 102%, and its U.S. business 130% in 2026.
Fintech enablement platform FintechOS has closed $28 million in combined debt and equity. The funding, when added to the company’s previous rounds, boosts FintechOS’s total funding to $178.9 million since it was founded in 2017.
Today’s equity funds come from existing investors Bek Ventures, IFC, Cipio Partners, and Molten Ventures. The debt facility comes from Santander CIB. FintechOS will use the investment to fund its US expansion, deepen its European client relationships, and grow its team.
“Santander CIB’s support, alongside other investors that trust us, is a strong vote of confidence in the path we’re on, and it gives us the capital to go after the extraordinary potential we see ahead, particularly in the US, without compromising the discipline that got us to profitability in the first place,” said FintechOS Founder and CEO Teo Blidarus.
FintechOS aims to help banks launch new technologies by offering them low-code solutions that facilitate fast and inexpensive deployment of new products and services. The company’s Unified Origination tool is an AI-first, cross-product origination solution to help retail and commercial banks accelerate time-to-market. It also offers a composable core product for insurers.
2026 has been a strong year for FintechOS. The company became profitable, boosted its recurring revenue by 40% and grew its operational EBITDA by more than 102% year-over-year, and grew its US business by 130%. Also this year, FintechOS expects to set a new record of client acquisistion, adding more than 20 banks to its client list for FintechOS 8.
“Reaching profitability was not an accident, it was the outcome of a deliberate, multi-year effort to get our cost base, our margins and our delivery practice right before we pushed harder on growth again,” said FintechOS CFO Cyril Desouza. “Now that discipline is paying off twice over: the business has reached profitability, and we’ve already made the shift back into high growth, which is exactly the combination that lets us take on a round like this one.”
The funding comes at an interesting inflection point for FintechOS. After spending the past few years prioritizing efficiency and profitability, the company is now using that stronger financial footing to accelerate growth, particularly in the US.
The mix of debt and equity indicates that instead of relying solely on another dilutive venture round, FintechOS is adding debt capital as it scales, a financing option that is more accessible as it has moved into profitability. For banks, FintechOS’s expansion adds another well-capitalized competitor to the growing field of providers promising to modernize product origination and core infrastructure without requiring them to rip and replace their existing technology stacks.
