“Can a vertical payments platform own real estate services by embedding sale-contingent financing directly into the checkout?”
Titus launched in 2024 as a vertical payments platform for real estate service providers — stagers, photographers, and contractors who prepare homes for sale. Its differentiator is 'pay at close,' a form of merchant cash advance / deferred-payment lending where Titus pays the service provider upfront (less a 3.99% fee) and the homeowner or agent repays Titus when the home sells (or at six months). This structure positions Titus as both a card acquirer (via Finix) and a balance-sheet lender (via Titus Lending, LLC, NMLS-registered), with pay-at-close functioning as a form of embedded financing tightly scoped to real estate transaction timing.
Titus processes payments through Finix.
Titus's cards run on Visa and Mastercard.
Titus's lending and capital products are provided by Titus Lending, LLC (in-house).
Titus integrates with QuickBooks.
The Embedded Finance Index 2026 maps 4 layers in Titus's stack: Payments / PSP (Finix); Card network (Visa and Mastercard); Lending (Titus Lending, LLC (in-house) and Pay at Close (sale-contingent deferred payment / consumer financing to homeowners and agents, repaid at home sale or after 6 months)); Accounting (QuickBooks).
Titus was founded by Nick Narodny, Craig Moxley and Evan Hobbs and is founded in 2024, headquartered in Mill Valley, California, United States.
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