← State of Embedded Finance 2026

Miter

Can a construction-focused HCM platform become the financial and operational OS for contractors by embedding payroll, spend management, and job-cost accounting into a single workflow?

HQSan Francisco, CA
IndustryVertical SaaS / Construction
The story

Miter was built as a vertical SaaS platform for the construction industry, targeting the fragmented back-office operations of contractors. The company moved beyond basic HR and time-tracking to embed payroll (via Check), expense management, and job-cost accounting integrations — positioning itself as a comprehensive HCM and financial operations layer for contractors. Its embedded finance stack is tightly coupled with construction-specific workflows such as work breakdown structures, cost codes, and ERP sync.

Last 12 months
The stack
Payroll
Check
Accounting
Sage IntacctOracle NetSuiteAcumaticaQuickBooks OnlineQuickBooks DesktopXero
Accounting gap: none