Capitawise

Financial intelligence platform for insurance -- actuarial reserving, capital planning, and governance in one auditable environment.

Data & Analytics Startup Seed

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Overview

Capitawise is a financial intelligence and analytics platform for insurance carriers, captive managers, and MGAs. The company targets senior finance and actuarial functions -- CFOs, actuaries, and risk and governance professionals -- who rely on disconnected spreadsheets and legacy systems to manage reserving, capital, and reporting obligations.

The platform consolidates nine insurance operational modules -- including actuarial reserving, capital planning, claims intelligence, investment optimisation, and financial reporting -- into a single governed environment. Delivered as SaaS, it allows insurers to go live within eight weeks rather than the typical 18-month implementation cycle associated with legacy transformation programmes. Every workflow is designed with full audit trails, role-based access controls, and regulatory compliance built in by default.

Founded in October 2022 and registered in England (Companies House no. 14421224), Capitawise holds ISO 27001 certification for information security management and received backing from Innovate UK, the UK government innovation agency. The company has been recognised as a finalist for Technology Solution of the Year at both the Fintech Awards London (2026) and the Captive Review Awards (2025).

Products & Services

Financial Intelligence Platform

A unified nine-module SaaS platform for insurance financial operations, designed to work alongside existing systems without requiring rip-and-replace migration.

Key Features

Actuarial reserving with IBNR, case reserves, and triangulations using Chain Ladder, Bornhuetter-Ferguson, and Mack methods
Capital planning across financial statements, profitability, regulatory capital, and operational metrics
Full governance and audit trail with role-based access across every workflow

Target Users: CFOs, actuaries, risk officers, and governance functions at insurance carriers, captive managers, and MGAs

Claims & Policy Intelligence

Automated ingestion, validation, and enrichment of claims and policy data across all lines of business.

Key Features

Cross-line data ingestion and enrichment
Loss ratio analytics and bordereaux processing for MGAs
Commission modelling and carrier reporting for delegated authority

Target Users: Underwriting, claims, and finance teams at insurers and MGAs

Multi-Captive Management

A dedicated module for captive managers to oversee multiple captives from a single dashboard.

Key Features

Consolidated dashboard across multiple captive programmes
Direct client access to reports and governed data
Document management with version control and source traceability

Target Users: Captive managers and captive owners

Investment Optimisation

Asset allocation optimisation against insurance liabilities with governed rebalancing workflows.

Key Features

Liability-driven asset allocation modelling
Governed rebalancing workflow with full audit trail
Integration with capital planning module for unified financial view

Target Users: Investment managers and CFOs within insurance groups

At a Glance

Founded: 2022
Headquarters: Orpington, England, UK
Employees: 11-50
Funding: Seed

Category & Focus

Category: Data & Analytics
Subcategories: Actuarial Tools Financial Reporting Capital Planning Governance & Audit
Insurance Verticals: P&C Commercial Specialty/E&S Reinsurance
Target Customers: Carriers, MGAs/MGUs