← State of Embedded Finance 2026

TeamUp

Can a fitness-studio management platform own the full financial OS — payments, recurring billing, and capital — for independent gyms and studios globally?

Founded2011
HQUnited States (DaySmart company)
IndustryVertical SaaS / Fitness
The story

Founded in 2011 as TeamUp Sports, Inc., TeamUp started as a management platform for fitness studios, gyms, and class-based businesses. Over time it deepened its embedded finance layer by integrating Stripe for card payments and GoCardless for direct debit/ACH, enabling recurring membership billing at the core of the product. By 2026, it had added Stripe Capital to offer working-capital financing to its merchant base — the classic Vertical SaaS playbook of monetising payments data to unlock lending. The company now operates as a DaySmart company.

Last 12 months
2026-03
2026-03
2026-03
Product timeline
2011
TeamUp Sports, Inc. founded as fitness studio management software.· pivot
2018
Implemented GDPR compliance features including Policies and Marketing Preferences for European customers.· pivot
2021
Reclassified as a Data Processor under GDPR, adding sub-processor list and updated data handling policies.· pivot
2023
Became a DaySmart company, reflecting acquisition or merger into the DaySmart portfolio.· acquisition
2026
Launched Stripe Capital financing offers within TeamUp accounts for eligible businesses.· lending
The stack
Payments / PSP
StripeGoCardless
Lending
Stripe CapitalStripe Capital financing offers
Open banking
Gocardless
Accounting
QuickBooksXeroSage
Accounting gap: significant