← Embedded Finance Index 2026

Contractor Plus

“Can a lightweight, mobile-first vertical SaaS platform become the financial and operational OS for small trade contractors by embedding payments and financing directly into the job workflow?”

Founded2020
HQOrlando, FL, USA
Total raised$549K
Latest roundDebt
IndustryVertical SaaS / Construction
The story

Founded in 2020 as a mobile-first CRM and estimating tool for handyman and service contractors, Contractor Plus has progressively expanded into the broader operating system for the trades — adding payments, financing (via Wisetack), QuickBooks sync, and team collaboration features. The platform's embedded finance angle is primarily consumer financing (BNPL for homeowners) embedded at the point of estimate, and integrated payment collection at the job site. The company remains small (~10 employees) and venture-backed with modest funding, competing against larger players like ServiceTitan by focusing on simplicity and mobile usability.

Last 12 months
—
Product timeline
2020
Contractor Plus founded as a mobile-first project management tool for handyman and service contractors, covering estimating, invoicing, and payments.· pivot
2023
Integrated Wisetack BNPL/consumer financing directly into the estimate and invoice workflow, enabling progress payments for home services jobs.· lending
2024
Launched native QuickBooks Online sync for invoices and payments, reducing manual double-entry for contractor back-office teams.· banking
2026
Rebranded positioning as 'The OS for build & service contractors', expanding feature set to include communication inbox, multi-workspace support, and field service payments.· pivot
Same company
Contractor Plus was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
Contractor+1 layer →
The stack
2 layers disclosed in Contractor Plus’s embedded-finance stack
Lending
WisetackWisetack consumer financing (BNPL for homeowners)Wisetack Progress Payments (milestone-based disbursement)
Accounting
in the full report
Accounting gap: significant
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.