FintechOS Raises $28M as U.S. Business Grows 130%
The Romania-founded financial software company has returned to profitability while its U.S. business grows 130%, prompting another push into the American market.
Romania-founded financial technology company FintechOS has raised $28 million in combined equity and debt as it prepares to accelerate an already fast-growing U.S. business.
The financing comes from existing shareholders Bek Ventures, IFC, Cipio Partners and Molten Ventures, alongside a senior debt facility from Santander CIB.
FintechOS says the capital will be used to strengthen its U.S. expansion base, deepen its European client portfolio and scale the delivery teams supporting its platform.
U.S. growth is already accelerating
The most important number in the announcement is not the funding round itself.
FintechOS says its U.S. business grew 130% during the first half of 2026, helping drive a 40% year-on-year increase in recurring revenue.
The company also reached profitability over the same period, while operational EBITDA rose more than 102% year on year.
“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.”
Selling to American banks
FintechOS provides software used by banks, insurers and other financial institutions to configure and launch financial products.
Its U.S. customer roster includes ESL Federal Credit Union, Vibrant Credit Union, Hanscom Federal Credit Union, Farmers Bank of Willards and MHG Insurance.
The company has also built partnerships with American financial technology providers including Finxact, part of Fiserv, giving it another route into banks and credit unions.
Growth after efficiency
FintechOS spent the past several years focused heavily on improving margins, delivery efficiency and its cost base before pushing harder on expansion again.
That sequence makes its current U.S. push notable. The company is not financing expansion from a position of continued heavy losses but after reaching profitability.
The mix of equity and debt also reflects that stronger position. Debt financing is generally more accessible once a company has a clearer path to cash generation and can support repayment obligations.
A transatlantic operating model
FintechOS now operates across London, New York and Bucharest, giving the company a distinctly transatlantic structure.
It continues to grow European customer relationships while using the U.S. as one of its primary growth markets.
The company expects to add more than 20 financial institutions to its client base during 2026.
What this means for European companies
FintechOS illustrates what happens after a European company has already entered America and begins proving that the market can support significant growth.
The strategic question then shifts from whether to enter the U.S. to how aggressively to invest behind traction that is already visible.
For FintechOS, 130% U.S. growth appears to have answered that question.
The company is now putting additional capital behind an American business that is growing faster than its overall recurring revenue base.