Industry software (construction, real estate, restaurants, healthcare and more) that embeds payments, banking or lending for its customers from early on.
| # | Company | Stage | Raised | Embeds |
|---|---|---|---|---|
| 1 | AI energy management with embedded solar financing · Germany · founded 2022 | Series A 2024 | $114M | Lending |
| 2 | AI-native general ledger and accounting · NY · founded 2024 | Series A 2025 | $100M | PayrollOpen bankingUnified APIsAccounting+1 |
| 3 | Agentic AI finance orchestration platform · USA · founded 2021 | Series A 2025 | $39M | Payments / PSPBanking / BaaSSponsor bankAccounting |
| 4 | Pet grooming scheduling and embedded finance · United States · founded 2019 | Series A 2024 | $31M | Payments / PSPLedgerLendingKYC |
| 5 | Agricultural financial operating system · NY on Crunchbase) · founded 2020 | Series A 2025 | $29M | Payments / PSPMoney movementBanking / BaaSCard issuing+3 |
| 6 | Healthcare payment automation platform · USA · founded 2024 | Seed 2024 | $26.6M | Banking / BaaSLedgerSponsor bank |
| 7 | Construction estimating and business OS · Buenos Aires) · founded 2019 | Seed 2024 | $25M | Payments / PSPLendingOpen bankingAccounting |
| 8 | Freight carrier banking and payments · USA · founded 2021 | Series A 2024 | $18.4M | Money movementBanking / BaaSCard issuingCard network+2 |
| 9 | Drinks supply chain financing and operations · United Kingdom · founded 2018 | Series A 2025 | $17.5M | LendingUnified APIs |
| 10 | Construction payroll and back-office OS · USA · founded 2021 | Series A 2025 | $17M | Card issuingPayrollAccounting |
| 11 | Construction workforce and payroll OS · USA · founded 2023 | Series A 2024 | $15.5M | InsuranceAccounting |
| 12 | Middle East accounting and compliance SaaS · Saudi Arabia · founded 2019 | Series A 2024 | $10.5M | Payments / PSPLendingAccounting |
| 13 | Construction operating system · Canada · founded 2020 | Seed 2025 | $10.1M | Payments / PSPMoney movementAccounting |
| 14 | AI-native contract lifecycle management · USA · founded 2019 | Seed 2024 | $7.8M | Payments / PSPMoney movementUnified APIsAccounting |
| 15 | Automotive subscription and fleet OS · Australia · founded 2020 | Series A 2024 | $7.6M | Payments / PSPInsuranceKYCAccounting |
| 16 | Dutch business incorporation and banking · Netherlands · founded 2025 | Seed 2026 | $6.6M | Payments / PSPMoney movementBanking / BaaSCard issuing+4 |
| 17 | Dental practice procurement and bill pay · United States · founded 2021 | Seed 2024 | $5M | Money movementSpend / AP |
| 18 | Salon operating system with capital · Ireland · founded 2022 | Seed 2026 | $4.7M | Payments / PSPLending |
| 19 | Nonprofit fiscal sponsorship finance OS · United States · founded 2022 | Seed 2024 | $4.6M | Banking / BaaSSponsor bank |
| 20 | Game distribution and settlement platform · Netherlands · founded 2019 | Seed 2025 | $3.5M | Payments / PSPBanking / BaaS |
| 21 | Logistics platform with embedded credit · Nigeria · founded 2021 | Pre-seed 2024 | $1.9M | Lending |
| 22 | AI wealth administration software · Netherlands · founded 2026 | Seed 2026 | — | Card issuingOpen bankingAccounting |
| 23 | Brazilian benefits and payroll SaaS · Brazil · founded 2020 | Seed 2024 | — | Card networkLendingPayrollSpend / AP |
All 23 that qualify, by total raised. Qualifying means founded in 2018 or later, a pre-seed, seed or Series A round in 2024or later, at most $250M raised, and at least one financial product embedded in the stack. Funding is as reported in each company’s dossier; descriptions are written from the dossier. Click a company for what it embeds and who powers it.