C

Capchase

Provides ARR-based working capital for SaaS

Tech Generalist - Software Engineer

Full-TimeUpdated on 10/1/2026
No salary listed
Mid
South America+1 moreMore locations: Madrid, Spain
Remote

About the job

Requirements
  • At least 4 years of experience building and shipping production-scale software.
  • Proficiency in TypeScript and Node.js.
  • Ability to select appropriate tools for the problem rather than relying on a preferred tool.
  • Ability to design scalable solutions across the stack with long-term reliability and maintainability in mind.
  • Ability to balance quality, speed, and simplicity while prioritizing business impact.
  • Ability to take ownership of outcomes and handle ambiguity in a remote-first, distributed environment.
Responsibilities
  • Design, develop, and maintain end-to-end systems across frontend and backend for customer-facing workflows and internal backoffice operations.
  • Evolve architecture to improve scalability, reliability, and security while balancing speed and long-term maintainability.
  • Design and maintain core financial systems, including payment orchestration, ledger infrastructure, underwriting engines, reconciliation pipelines, and real-time deal tracking, with guarantees around correctness, traceability, and auditability.
  • Integrate third-party financial APIs, including Taktile, Modern Treasury, and Kantox, to automate data ingestion, risk evaluation, and cash movement workflows.
  • Contribute thoughtful system design, high-quality code reviews, and mentorship to help the team build clean, well-tested, maintainable systems.
  • Design systems to handle increasing transaction volume and operational complexity, with strong observability and reliability in a financial domain.
Desired Qualifications
  • Experience in fintech, credit risk modeling, or high-volume payment processing.
  • A background as a startup founder or early-stage engineer.
  • Familiarity with Kubernetes, BigQuery, or Google Cloud Platform.
  • Interest in tools for thought and the work of computing pioneers such as Alan Kay or Douglas Engelbart.

About the company

Capchase provides flexible funding for fast-growing SaaS companies. It offers working capital based on future recurring revenue, enabling SaaS businesses to accelerate growth without sacrificing annual contracts. Its platform lets customers pay monthly while maintaining annual contract value, improves cash flow, and handles billing and collections for its clients. Funds can be drawn as needed to invest in growth, customer acquisition, and operations, with Capchase’s revenue tied to a client's Annual Recurring Revenue (ARR). This aligns Capchase’s interests with its customers, and the company earns fees on its services as its clients’ ARR grows.

Company Size

51-200

Company Stage

Late Stage VC

Total Funding

$1.3B

Headquarters

New York City, New York

Founded

2020

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Simplify's Take

What believers are saying

  • May 27, 2026 funding added $200M+, including 01 Advisors-led equity and credit.
  • The Agentic Lending Coordinator cut eight-hour deal assembly to sixty seconds in beta.
  • Capchase signed Barracuda, CDW, and Insight, proving enterprise channel demand across 2026.

What critics are saying

  • Revelio shows headcount fell 41.6% from 2023 to 2026, signaling strain.
  • Capchase abandoned revenue-based financing; another product pivot can fracture customer trust by 2027.
  • Debt-funded growth creates refinancing risk if 2026 enterprise deal volumes slow abruptly.

What makes Capchase unique

  • Capchase embeds vendor financing inside Salesforce, speeding approvals to under 30 seconds.
  • June 2025 Vartana acquisition deepened Capchase’s B2B hardware-software financing stack.
  • Capchase combines lender balance sheet and software infrastructure, unlike banks or standalone BNPL.

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Benefits

Remote Work Options

Flexible Work Hours

Stock Options

Growth & Insights and Company News

Headcount

6 month growth

↓ -1%

1 year growth

↓ -1%

2 year growth

↓ -2%
Associated Press
Sep 29th, 2026
Frequency Holdings secures $5M zero-dilution facility, expandable to $10M

Frequency Holdings' subsidiary ReachOut Digital Intelligence has secured $5 million in zero-dilution working capital capacity through Capchase Pay, with eligibility to expand to $10 million after 120 days. The facility allows ReachOut to receive upfront payment for multi-year customer agreements whilst customers pay over time. The structure addresses cash-flow challenges in recurring-payment models, where providers typically incur upfront costs but collect revenue over several years. CEO Rick Jordan said the arrangement enables the company to "bring that cash forward and immediately put it back to work growing the business". The announcement follows Frequency's recent reduction of authorised common shares from 5.4 billion to 250 million. Jordan emphasised the financing provides an alternative to equity issuance for funding growth. Frequency Holdings is a technology-focused holding company operating across cybersecurity, managed intelligence, digital infrastructure and media.

VentureBurn
May 27th, 2026
Capchase raises $200M+ to expand financing platform.

Capchase raises $200M+ to expand financing platform. 27 May 2026 Key Takeaways * Capchase has secured over $200 million in incremental funding, combining a $174 million credit facility with $26 million in fresh equity led by 01 Advisors. * The raise combines equity investment and major debt facilities. * Capchase now focuses on vendor financing rather than revenue-based funding. Capchase has raised over $200 million in fresh capital in a mix of both $26 million in equity financing and a $174 million credit facility to expand its embedded lending infrastructure globally and further develop its AI features. The equity portion of the round was led by 01 Advisors, with participation from a syndicate of prominent fintech and venture investors, including Caffeinated Capital, Thomvest Ventures, Scifi VC, Bling Capital, and Invesco. This large capital raise shows an increasing need for more flexible financing options in the fast-growing enterprise B2B technology industry, where large enterprises are tightening budgets and macroeconomic factors have begun to distort the traditional sales pipeline. The evolution: capitalizing on the affirm for B2B model. Founded in 2020 by Miguel Fernandez and Przemek Gotfryd, Capchase first gained prominence in the dynamic revenue-based financing (RBF) space, providing early-stage SaaS companies with non-dilutive growth capital against their recurring revenues. Currently, Capchase is operated just as a dedicated B2B "Buy Now, Pay Later" vendor financing platform. The business model elegantly solves a core friction point in modern enterprise technology transactions. Software and hardware vendors want their contract values paid entirely upfront to preserve cash flow, while corporate buyers and cautious CFOs want to delay outlays, preserve working capital, and pay in instalments. By integrating directly into a vendor's sales stack, Capchase allows a sales representative to offer flexible payment terms such as converting a rigid $1 million upfront annual licence into manageable monthly or quarterly instalments over a period of up to five years. Once the deal is executed, Capchase pays the software or hardware vendor the full contract amount upfront, net of a small financing fee, while assuming the underlying collection management. Displacing legacy banks natively inside Salesforce. The traditional $1.3 trillion equipment and vendor financing industry has long been dominated by commercial banks and captive finance arms. However, these legacy players typically rely on old, slow workflows characterised by multi-thread email chains, manual credit committees, and gruelling document reviews that stretch across weeks. Capchase differentiates itself by operating as both the direct lender and the underwriting technology infrastructure, enabling it to move at the speed of modern digital commerce. Capchase is currently the only enterprise financing platform built natively inside Salesforce. Because it hooks directly into the customer relationship management (CRM) environment where enterprise sales teams already live, Capchase can pull relevant data instantly. The company reports that 97% of its lending applications are vetted, underwritten, and approved in under 30 seconds. This level of automation has allowed Capchase to comfortably move upmarket. Rather than backing fragile early-stage startups, Capchase now primarily underwrites highly stable, mature corporate buyers. According to company metrics, the average buyer using Capchase features has roughly $80 million in annual revenue, has been operating for more than 20 years, and is fully profitable. Rolling out the Agentic Lending Coordinator. Alongside the $200 million funding announcement, Capchase officially launched its latest AI product milestone: the Agentic Lending Coordinator. While the platform's core algorithms already automate underwriting, the new AI agent is designed to eliminate the remaining administrative friction points of multi-party enterprise transactions. The agent automatically scans, interprets, and collects data from fragmented quotes, purchase orders, and multi-thread B2B email chains, compiling them instantly into a flawless, executable loan package. It then autonomously manages the collaboration and automated follow-ups between vendors, channel partners, and corporate buyers from the initial review through to final digital signatures. During its beta testing phase, Capchase revealed that the tool successfully compressed a standard eight-hour multi-party document assembly process into a 60-second automation. "We saw that sales cycles were expanding and customer acquisition costs were rising, driven heavily by persistent macroeconomic pressures," said Miguel Fernandez, co-founder and CEO of Capchase. "Buyers want to pay as late as possible. We shipped a product to solve that exact need, and the market pull has completely eclipsed our original product lines. This funding allows us to turn vendor financing from a sales bottleneck into an absolute growth lever." The strategy is yielding massive dividends. Capchase reports an explosive 400% growth rate over the past 12 months and projects another 200% growth in the coming year, solidifying its position as an essential financial layer for global IT solution providers, original equipment manufacturers, and cybersecurity giants. I'm a crypto writer with 4+ years of experience passionate about turning big, technical ideas into content anyone can understand. From blockchain to stablecoins to everything in between, I enjoy helping readers stay informed in a space that never stops moving. Disclaimer VentureBurn is a media platform covering the latest in cryptocurrency, artificial intelligence, venture capital, and the startup ecosystem. Opinions expressed on VentureBurn are for informational purposes only and do not constitute investment advice. Before making any high-risk investments in digital assets or emerging technologies, readers should conduct their own due diligence. All transactions and financial decisions are made at your own risk, and any losses incurred are solely your responsibility. VentureBurn does not endorse or recommend the buying or selling of any digital assets and is not a licensed investment advisor. Please note that VentureBurn may participate in affiliate marketing programs.

AInvest Fintech Inc.
May 27th, 2026
Capchase secures over $200M in incremental funding to expand non-dilutive capital platform

Capchase, a fintech firm providing non-dilutive capital for recurring-revenue businesses, has secured more than $200 million in incremental funding to support expansion and product development. The company raised $125 million in a Series A round in 2021 led by QED Investors, followed by an $80 million Series B in 2022. The funding has enabled Capchase to scale operations across North America and Europe, now serving over 400 companies globally and issuing more than $200 million in financing. Capchase's platform allows businesses to access capital based on future revenue streams without diluting ownership. The company has expanded its European presence, opening headquarters in London and entering markets including the Netherlands, Belgium and the Nordic region. Fifteen per cent of its funding supports female and minority-led businesses.

Barracuda
Oct 8th, 2025
Barracuda and Capchase Launch Barracuda Financial Services to Accelerate Growth and Simplify Security Financing

That's why Barracuda has teamed up with Capchase to launch Barracuda Financial Services, a new financing program that makes investing in security easier, faster and smarter.

PR Newswire
Jun 24th, 2025
Capchase Acquires Vartana for Vendor Financing

Capchase has acquired Vartana to enhance its position as a leader in tech-powered vendor financing for B2B software and hardware companies. This acquisition allows Capchase to offer faster buyer approvals, automated workflows, and real-time visibility, addressing challenges in the traditional vendor financing market. The move aims to provide B2B vendors with improved access to working capital and accelerate sales in a historically manual industry.