Fergus
“Can a job-management platform for tradies become the financial OS for small trade businesses by embedding Stripe payments and capital into the invoice workflow?”
Founded2012
HQAuckland, New Zealand
FoundersDan Pollard
Latest roundLater Stage VC, $2.31M
IndustryVertical SaaS / Trades & Field Services
The story
Fergus started as pure job management SaaS for tradies (quoting, scheduling, invoicing). Over time it has layered embedded finance on top of the workflow: Fergus Pay (Stripe-powered card acceptance) monetizes invoice collection, and Fergus Capital (launched 2026 in Australia via Stripe Capital) turns transaction history into working-capital financing. The company is following the classic vertical-SaaS embedded-finance playbook — using Stripe as the full-stack rail for payments and lending rather than building its own.
Product timeline
2012
Fergus founded by veteran tradesman Dan Pollard as job management software for trades businesses.· launch
2020
Fergus Pay launched, powered by Stripe, enabling credit/debit card invoice payments.· payments
2026
Fergus Capital launched in Australia via Stripe Capital partnership — embedded financing for trades businesses.· lending
2026
Fergus MCP Server launched, connecting AI assistants (Claude, ChatGPT) to Fergus data.· ai
The stack
4 layers disclosed in Fergus’s embedded-finance stack
Payments / PSP
Lending
in the full report
KYC
in the full report
Accounting
in the full report
Accounting gap: none
7 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.