“Can an AI-native, agent-driven ERP displace NetSuite and Sage Intacct as the finance system of record for modern SaaS companies?”
Founded 2023 as an AI-native ERP targeting modern finance teams looking to automate the monthly close. Positions itself against legacy ERPs (NetSuite, Sage Intacct) with agent-driven accounting (Ember AI) and 100+ native integrations across payroll, banking, spend, and revenue. Raised $100M in 12 weeks in 2025 as demand accelerated, with 10x YTD revenue growth.
Campfire processes payments through Stripe.
Campfire's lending and capital products are provided by affirm.
Campfire uses Airwallex for FX and cross-border payouts.
Campfire's payroll is powered by Finch, Gusto, ADP and Rippling.
The Embedded Finance Index 2026 maps 8 layers in Campfire's stack: Payments / PSP (Stripe); Lending (affirm); Payroll (Finch, Gusto, ADP and Rippling); Open banking (Plaid and Atlar); Unified APIs (Finch); FX & payouts (Airwallex); Spend / AP (Ramp, Brex and Airwallex); Tax (Avalara and Anrok).
Campfire was founded by John Glasgow and Paul Nichols and is founded in 2023, headquartered in San Francisco, CA.
Campfire has raised $103.5M in total (latest round: Series B, October 2025).
Get a read on where your own stack stands against Campfire 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.