FintechOS, a London-headquartered B2B software provider serving banks and insurers, has announced a new funding round worth $28 million in combined equity and debt financing. The investment comes from its existing shareholder base, including Bek Ventures, IFC, Cipio Partners and Molten Ventures, alongside a senior debt facility from Santander Corporate Investment Banking. The company plans to use the capital to grow its United States operations, strengthen its European client base and scale the delivery of its AI-native platform.
Funding Structure and Strategic Backing
The financing is composed of equity from FintechOS's current investor base and a senior debt facility provided by Santander Corporate Investment Banking. Bek Ventures, IFC, Cipio Partners and Molten Ventures all participated in the equity portion. This latest injection brings the company's total funding to more than $150 million and will support its expansion across the United States, additional European client wins and the scaling of its AI-native technology.
Profitability and Growth Milestones
The funding announcement follows a strong first half of 2026 during which FintechOS confirmed it had reached profitability. Recurring revenue increased 40 percent year on year while operational EBITDA climbed more than 102 percent year on year for the same period. The company attributes much of this momentum to 130 percent growth in the United States and expects to add more than 20 new financial institution customers worldwide in 2026, many adopting FintechOS 8.
US Market Expansion and Leadership
FintechOS is intensifying its focus on the United States, where it has recorded its fastest growth over the past year. The company is appointing new board directors, including a chairman, to support its next phase of expansion and is targeting more than 200 percent year-on-year growth in the market over the next twelve months. Strategic partnerships with Finxact, part of Fiserv, and Finastra Phoenix open access to a wider pool of bank and credit union clients.
Strengthening Europe and AI-Driven Delivery
In Europe, FintechOS is consolidating its banking and insurance footprint by adding new customers in the United Kingdom while maintaining relationships with institutions such as BRD Groupe Société Générale, Admiral, CEC Bank, Howden, Bankinter and Groupama. Its AI-native platform enables non-technical users to configure products and offers directly within Dex, the AI copilot. The company is also introducing a forward-deployed practice built around client-facing pods that combine consultants and engineers to speed up implementation and lower ownership costs.
Leadership Perspective and Flagship Event
Chief Financial Officer Cyril Desouza said profitability resulted from a deliberate multi-year effort to align costs, margins and delivery before pushing for higher growth again. Chief Executive Officer Teo Blidarus added that growth and profitability can progress together and described the financing as a vote of confidence in the company's direction. FintechOS will present its next phase of growth at FintechOS Elevate 26, an executive conference scheduled for 14 October 2026 in London.
With $28 million in fresh capital and a profitable operating base, FintechOS is positioned to pursue larger opportunities in both the United States and Europe. The company's expansion strategy combines leadership hires, core banking partnerships and an AI-enabled delivery model that aims to reduce deployment time for financial institutions. The latest round brings its total funding to more than $150 million and signals investor confidence in its disciplined approach to growth.