Workiz
“Can a field service SaaS for trades become the embedded financial backbone (payments, capital, financing, warranties) for SMB contractors?”
HQSan Diego, CA
IndustryVertical SaaS / Field Service Management
The story
Workiz started as a pure field service management SaaS (scheduling, dispatching, invoicing) for trades like HVAC, plumbing, locksmith, and appliance repair. Beginning ~2023, it expanded into embedded finance — launching Workiz Pay (Stripe + Adyen), embedded consumer financing via Sunbit and Wisetack, and a Visa expense card via CapitalOS — positioning itself as the financial OS for SMB field service businesses.
Last 12 months
Product timeline
2023
Launched Workiz Pay, an integrated payments product powered by Stripe and Adyen· payments
2024
Launched Workiz Card, a Visa expense card powered by CapitalOS with 0% interest credit line· card
2025
Added JB Warranties integration for HVAC/plumbing consumer protection plans· insurance
The stack
Payments / PSP
Banking / BaaS
Card issuing
Lending
Sunbit, WisetackSunbit consumer financing (BNPL, no hard credit check, 4-pay 0% option)Wisetack consumer financing (pay-over-time for in-person services)
Open banking
Accounting
Accounting gap: minor