FintechOS has closed a $28 million package of equity and senior debt as it shifts from a period of operational tightening into a more aggressive expansion phase, with the United States as the main priority.
The capital came from existing shareholders Bek Ventures, IFC, Cipio Partners and Molten Ventures, together with a senior facility from Santander CIB.
Management said the money will be used to build out the firm’s American presence, strengthen relationships with European banks and insurers, and enlarge the teams that implement its AI-native product platform.
The raise follows a first half of 2026 in which FintechOS said it became profitable.
Recurring revenue rose 40 percent year on year, operational EBITDA more than doubled, and the US business grew 130 percent.
The company now expects more than 20 additional financial institutions to adopt FintechOS 8 this year and is aiming for more than 200 percent US growth over the next twelve months.
Total capital raised since the firm was founded in 2017 now stands at about $179 million, according to industry reports covering the announcement.
Founder and CEO Teo Blidarus framed the financing as a way to pursue American opportunity without abandoning the cost and margin discipline that produced profitability.
CFO Cyril Desouza described that profitability as the result of a multi-year effort to reset the cost base, improve delivery, and only then re-accelerate growth.
That combination, he said, made a mixed equity-and-debt structure possible.
The company is also changing how it is governed and how it implements software.
It is adding US board directors, including a new chairman, to support regional strategy and partnerships.
On the commercial side it is leaning on relationships with core providers such as Finxact (part of Fiserv) and Finastra Phoenix, aiming to reach more banks and credit unions.
Existing American clients already include several credit unions and regional banks.
In Europe, FintechOS is deepening work with institutions such as BRD Groupe Société Générale, Admiral, CEC Bank, Howden, Bankinter and Groupama, while adding UK names.
Delivery is being reorganized around “forward-deployed” pods: a technical consultant and an engineer sitting close to each client’s product team.
The idea is that Dex, the platform’s AI copilot, lets non-technical users configure products, so implementation can be faster and cheaper than a traditional distant project.
FintechOS presents this as a way to convert platform speed into shorter time-to-market and lower total cost of ownership.
The firm will discuss the next phase at Elevate ’26, its invite-only conference in London on 14 October 2026.
FintechOS, founded in 2017 and based in London, New York and Bucharest, sells a unified layer for designing, pricing, originating and servicing financial products above existing cores rather than replacing them.