← State of Embedded Finance 2026

JobNimbus

“Can a contractor CRM become the all-in-one financial and operational platform for trade services businesses by embedding payments, financing, and accounting directly into project workflows?”

HQLehi, UT, United States
IndustryVertical SaaS / Construction
The story

JobNimbus started as a CRM and job management platform for roofing and construction contractors, focused on replacing spreadsheets and filing cabinets with a unified workflow tool. Over time it layered embedded finance onto its core SaaS: first adding contractor financing through Sunlight Financial (2021) and Wisetack (2023) to help homeowners pay for large jobs, then embedding payments directly via Worldpay for Platforms' PayFac-as-a-Service model to create a frictionless onboarding and payment experience. The strategy centers on becoming a single platform ('single hand') that handles CRM, project management, and financial transactions for trade contractors.

Last 12 months
2023-08
2026-01
Product timeline
2019
Users requested financing capability via feedback forums; JobNimbus began evaluating lending integration partners.· lending
2021
Launched Sunlight Financial integration (beta) for home improvement financing up to $100,000 for roofing contractors.· lending
2023
Partnered with Wisetack to offer consumer pay-over-time financing (up to $25,000, 60-month terms) embedded within the platform.· lending
2026
Worldpay for Platforms (formerly Payrix) publicly cited JobNimbus as a customer for its PayFac-as-a-Service embedded payments solution.· banking
The stack
Payments / PSP
Worldpay for Platforms
Lending
Wisetack consumer financing (up to $25,000, up to 60 months, for homeowners)Sunlight Financial home improvement financing (up to $100,000, for homeowners)
Accounting
QuickBooks OnlineXeroSage Accounting
Accounting gap: minor