← State of Embedded Finance 2026

Moxie

Can a vertical SaaS platform become the complete financial and clinical operating system for independent aesthetic medicine practices, capturing payments, banking, lending, and payroll attach revenue?

Founded2022
HQUnited States
FoundersDan, Sam, Emma
Total raised$15.7M
Latest roundSeries A, August 2023
IndustryVertical SaaS / Healthcare
The story

Founded in early 2022 after observing the operational barriers facing independent medspa entrepreneurs, Moxie rapidly evolved from a launch-support service into a full-stack vertical SaaS operating system for aesthetic medicine. The platform embedded financial services — including Stripe-powered payment processing, Stripe Treasury banking accounts, and Moxie Capital financing — alongside clinical EMR/CRM software and payroll to become the financial and operational backbone for 700+ medspas. The embedded finance stack (payments, banking, lending, payroll, bookkeeping) is positioned as a moat against standalone EMR competitors.

Last 12 months
2026-04
Product timeline
2022
Moxie founded in April 2022 by Dan, Sam, and Emma to help independent medspas launch and operate successfully.· pivot
2022
Launched Moxie Suite — an all-in-one EMR + CRM platform purpose-built for medspas.· banking
2023
Raised $15.7M to accelerate medspa entrepreneur support.· ipo
2023
Launched Moxie Supplies to give providers group-purchasing pricing power comparable to large medspa chains.· pivot
2024
Hired general counsel from the nation's largest medspa chain to strengthen compliance capabilities.· pivot
The stack
Payments / PSP
Stripe
Banking / BaaS
Stripe Treasury
Lending
LayerfiMoxie Capital
Sponsor bank
Fifth Third Bank N.A.
Accounting
QuickBooks Online
Accounting gap: minor