Wurthy
“Can an AI-powered financial operating system give every SMB a real-time CFO and unlock affordable working capital through verified business data?”
Founded2022
HQSan Francisco, California, United States
FoundersRudd Davis
Total raised$10.5M
Latest roundLater Stage VC
IndustryFintech / SMB banking
The story
Founded in 2022 as a B2B BNPL and credit platform enabling SMBs to offer installment plans to clients while getting paid upfront. Evolved into a broader AI-powered financial operating system — connecting QuickBooks, bank feeds, CRMs, and e-commerce data to deliver real-time financial diagnostics, cash flow forecasting, and working-capital access. The platform now targets accounting advisors as a distribution channel via a white-label partner program, positioning Wurthy as the 'finance team for every small business.'
Product timeline
2022
Wurthy, Inc. founded by serial entrepreneur Rudd Davis as a credit/BNPL platform for service-based SMBs.· lending
2023
Expanded to AI-powered financial operating system integrating QuickBooks, bank feeds, CRMs, and e-commerce data for SMB financial diagnostics.· banking
2024
Launched partner program targeting accounting advisors, enabling advisory clients to access live financial data across 3,000+ app integrations.· pivot
2025
Raised $10.5M in later-stage VC; grew to 18 employees; launched Business Health Score AI diagnostic tool for SMBs.· banking
The stack
4 layers disclosed in Wurthy’s embedded-finance stack
Banking / BaaS
Bangor Savings Bank
Lending
in the full report
Sponsor bank
in the full report
Accounting
in the full report
Accounting gap: none
6 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.