B2B, Case Study 5 min read
Speed and precision at scale: How Capchase powers KYB globally with Taktile
Key takeaways
Meet Capchase: Providing B2B vendor financing and flexible payment solutions globally
The opportunity: Leverage data more effectively to onboard customers faster – without compromising accuracy
The innovation: Powering B2B payments at speed
The outcome: Broader coverage, more control, and faster onboarding
Key takeaways
Capchase, a leading B2B fintech providing financing and flexible payments for software, cloud, and hardware companies, needed a KYB solution that would help them deliver an unmatched customer experience in the B2B lending market. By switching from their existing decision platform to Taktile, the Capchase team achieved:
- Streamlined automated workflows, accelerating onboarding and underwriting across complex international markets.
- Expanded data coverage across nine global regions, enabling more accurate, localized decisions.
- Reduced reliance on tech resources, empowering non-technical team members to independently build, test, and deploy updates without external or internal tech support.
Meet Capchase: Providing B2B vendor financing and flexible payment solutions globally
Capchase is changing how high-growth B2B companies offer and access flexible payments. With Capchase, companies can extend payment terms to their customers — without waiting to get the full upfront payment themselves.
By bridging the gap between buyer flexibility and a vendor maximizing their working capital, Capchase facilitates faster sales, more revenue, and a smoother customer experience. Since its founding in 2020, Capchase has enabled billions in financing for thousands of companies across 9 countries — making flexible payments simple and accessible worldwide.
The opportunity: Leverage data more effectively to onboard customers faster – without compromising accuracy
In the fast-paced world of B2B lending, speed is a decisive competitive advantage — especially when supporting high-growth companies that rely on quick access to capital. As Capchase expanded from the U.S. into nine markets worldwide, including Canada, the UK, and Europe, navigating varied KYB requirements became increasingly complex. Their existing decision platform couldn’t meet the data requirements of these new international markets, and ultimately became a blocker to scale. To address this, they needed a new solution that would enable them to achieve broader data coverage, improved match rates, and greater flexibility to test and integrate new data sources.
“Our potential customers care about speed — with vendor financing, you need to make decisions almost instantly,” explains Oxana Pangina, Risk and Capital Markets Lead at Capchase. “We pride ourselves on our customer experience. We want to make sure that it’s easy to submit an application, and it’s easy to get a fast answer.”
Recognizing the need for a more scalable solution, Capchase made the strategic move to switch decision platforms. They searched for a solution that could help them identify more cost-effective partners and enhance the quality and depth of their data overall. All with the goal of scaling across multiple markets while maintaining the standout customer experience that sets them apart.
The innovation: Powering B2B payments at speed
With access to the right data sources in every market they operate in, Capchase is able to offer financing with a level of speed and accuracy few others can match — providing the customer experience that gives them a competitive edge.
Two drivers are at the core of this innovation: a flexible decision platform and full control for the risk team.
By switching to Taktile, the team now has full coverage across their global applicant base, and adding new data sources to enrich their KYB process is easy. “We have full coverage across our global financing applicant population–something we didn’t have before. It’s much simpler to ingest everything in one place and make faster decisions for our customers,” explains Oxana.
The shift to Taktile also allowed the team to replace internal integrations with pre-existing connections – freeing up engineering resources and reducing complexity. “Since moving to Taktile, we deprecated some of the integrations we built internally. Before, we had to allocate internal tech resources to build things — and now we don’t” she adds.
At the same time, the risk team at Capchase gained the ability to build, test, and tailor their policy without relying on engineering.
“We wanted full control over our risk policy and the ability to adapt it without relying on tech. Now, if I need to make a change, I do it immediately—and it’s easy to explain it to my team and to enable them to make similar changes on their own,” Oxana shares.
This new level of flexibility and autonomy put Oxana, a key member of the risk team, in the driver’s seat with their risk policy. With an intuitive platform and the support of Taktile’s AI Copilot, she can build, fix, test, and launch updates herself, which is crucial for keeping pace with the company’s speed. “If I can’t figure something out quickly on my own, or if something breaks,” she explains, “I just ask Copilot to fix it – it’s fast and easy.”
The outcome: Broader coverage, more control, and faster onboarding
By switching to Taktile, the Capchase team achieved the flexibility, speed, and scale they needed to deliver an exceptional customer experience and maintain a competitive advantage in the fast-paced B2B lending market.
They streamlined and automated onboarding and underwriting workflows, significantly reducing time-to-decision across nine global markets. With expanded data coverage and integrations, Capchase can now make faster accurate decisions at scale using localized data.
The risk team gained full control of decision logic, enabling real-time updates and ongoing optimization without engineering support. The results:
- 50% decrease in processing time – while making the assessment more complex, with more data sources.
- Data coverage expanded across 9 global markets, improving match rates in regions like Canada, the Netherlands, and Spain.
- 99% reduction in time to make policy updates, allowing the experts to launch and test changes in minutes — which previously would take weeks. Oxana adds “You can build your process exactly the way you want. You don’t need to be technical, and you’re not limited by the types of data sources you can use.”
Capchase’s switch to Taktile is a strategic investment in long-term scale, an exceptional customer experience, and a sustained competitive advantage.
