“Can a B2B SaaS platform become the complete financial operating system for SMBs by embedding invoicing, payments, bookkeeping, and capital entirely inside community bank and credit union digital banking?”
Autobooks is a B2B SaaS platform that embeds invoicing, payment acceptance, bookkeeping, and cash flow management directly into community bank and credit union digital banking channels, positioning itself as the financial operating system for SMBs within their existing financial institution. The company serves financial institutions rather than SMBs directly, partnering with processors like Worldpay (FIS) as a payment facilitator and adding working capital through Fundbox's infrastructure. Its 'Pro for Business Checking' tier signals a move toward owning the business checking product layer, not just the fintech overlay.
Autobooks processes payments through Worldpay. Disclosed money-movement rails: ACH.
Autobooks integrates with QuickBooks and Xero.
The Embedded Finance Index 2026 maps 4 layers in Autobooks's stack: Payments / PSP (Worldpay); Money movement (ACH); Lending (Autobooks Capital (working capital line of credit / cash advance on anticipated receivables)); Accounting (QuickBooks and Xero).
Autobooks is founded in 2015 and headquartered in Detroit, MI.
Autobooks has raised $199.6M in total (latest round: Debt Financing, 2025).
Get a read on where your own stack stands against Autobooks and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.