← State of Embedded Finance 2026

Trez

Can a culturally-tailored payroll and HR platform become the financial OS for Latino-owned small businesses in the United States?

HQSan Francisco, CA 94114
FoundersArthur Garcia
Latest roundSeed (scaling round open, undisclosed close date)
IndustryHorizontal SaaS / HR & Payroll
The story

Trez was founded as the first U.S. Latino-focused payroll platform, targeting the underserved Latino-owned business segment with an all-in-one payroll, benefits, tax, and finance solution delivered in users' preferred language. The company positioned itself at the intersection of cultural accessibility and SMB financial infrastructure, embedding Salsa as its payroll engine while adding workers' compensation, benefits, and accountant-partner channels on top. Rather than competing with general-purpose payroll incumbents, Trez is carving out a community-first vertical niche within the broader HR & payroll SaaS market.

Last 12 months
2026-02
The stack
Payroll
Salsa
Accounting gap: significant