← State of Embedded Finance 2026

Alpaca Health

Can an AI-powered administrative platform become the full operating system for independent ABA therapy practices, enabling clinicians to escape corporate ABA employment by handling compliance, billing, and payroll on their behalf?

HQUnited States
IndustryVertical SaaS / Healthcare
The story

Alpaca Health started as an AI notetaking tool for Board Certified Behavior Analysts (BCBAs), automating session documentation to reduce administrative burden. The company evolved into a broader practice-enablement platform for independent ABA clinics, adding administrative services such as insurance credentialing, billing, and payroll — positioning itself as the operational OS for BCBAs who want to run independent practices rather than work for large corporate ABA companies. Embedded payroll via Salsa is a concrete sign of this embedded-finance expansion beyond pure SaaS.

Last 12 months
The stack
Payroll
Salsa
Accounting gap: significant