← Embedded Finance Index 2026/Vendor

Sunbit

Provider

Lending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 1 category.

sunbit.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗

CategoriesLending
Rank#43 of 255 in Lending
Buyers4 companies
HeadquartersLos Angeles, CA
Founded2016
FoundersArad Levertov, Ornit Maizel, Tal Riesenfeld, Tamir Hazan
Raised$1.3B

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Founders & story · from Sunbit’s own dossier

Sunbit launched in 2016 as a point-of-sale BNPL provider focused on in-person, non-discretionary services — automotive repair, dental, optical, veterinary, healthcare. It built a dominant position in auto service (claims 60% market share) and dental before expanding into a no-fee Sunbit credit card issued by TAB Bank in 2022. The 2024–2026 pivot is toward embedded distribution: rather than direct merchant sales, Sunbit now embeds into vertical SaaS platforms (Stripe, Xtime, Shopmonkey, Quik, myKaarma, Workiz) to scale via partner-driven origination.

Latest round: Debt Financing, 2025

Recent developments

2024-11Closed $355M debt warehouse facility led by J.P. Morgan, Mizuho Bank, and Waterfall Asset Management. source ↗
2024-09Announced strategic partnership with Stripe to bring BNPL to in-person service merchants. source ↗
2026-04General availability of Sunbit on Stripe, fully embedded in Stripe Dashboard for U.S. in-person service businesses. source ↗

Full dossier: Sunbit’s own stack, layer by layer →

Who uses Sunbit

4 companies disclose Sunbit in their stack

Skimmer CareStack Workiz myKaarma

Buyer mix · 4 of 4 classified

Vertical SaaS / Automotive Dealerships · 1Vertical SaaS / Dental · 1Vertical SaaS / Field Service Management · 1Vertical SaaS / Pool Service · 1

US · 4

What the disclosures say

Skimmer

“Skimmer blog (Jan 8, 2026) and product update: 'We've partnered with Sunbit, the leader in pay over time financing'; financing embedded into Skimmer quotes; pool pros receive full payment upfront, customer repays Sunbit.”

CareStack

“CareStack press release and Zendesk help article confirm direct Sunbit integration for patient financing embedded in the PMS: 'CareStack Integrates Sunbit's Leading Pay Over Time Tech in CareStack PMS' (Jan 2025).”

Workiz

“help.workiz.com Sunbit FAQ + Wisetack FAQ describe both as embedded consumer financing partners.”

myKaarma

“myKaarma's own API docs (docs.mykaarma.com savePaymentGatewayAccountData) enumerate supported paymentGateway values: CREDITCALL, OPENEDGE, TEMPUS, CARDCONNECT, WORLDPAY, STRIPE, NMI, AFFIRM, SUNBIT, CASH, CHECK — indicating myKaarma Payments orchestrates across these processor backends for dealer merchant accounts.”

The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Sunbit? Claim this profile above to unlock your own full list.

What Sunbit runs on · from its own dossier

The third-party providers Sunbit itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Sunbit.

Transportation Alliance BankTAB Bank

Full dossier with evidence for each layer →

Alternatives to Sunbit

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm65 buyers →Klarna55 buyers →YouLend46 buyers →Mambu36 buyers →Stripe Capital33 buyers →Wisetack27 buyers →Liberis21 buyers →Afterpay16 buyers →

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<a href="https://www.embeddedfinanceindex.com/vendors/sunbit?ref=badge">
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       alt="Ranked #43 of 255 in Lending — Embedded Finance Index 2026">
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Sunbit — frequently asked

Which companies use Sunbit?

4 companies are linked to Sunbit in the Embedded Finance Index 2026, through their own public disclosures or Sunbit's published customer list, including Skimmer, CareStack, Workiz and myKaarma.

What does Sunbit do?

Sunbit is an embedded-finance provider in Lending. It ranks #43 of 255 Lending providers by linked companies.

What are the alternatives to Sunbit?

The most-named Lending alternatives to Sunbit are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).

Who founded Sunbit?

Sunbit was founded by Arad Levertov, Ornit Maizel, Tal Riesenfeld and Tamir Hazan and is founded in 2016, headquartered in Los Angeles, CA.

How much funding has Sunbit raised?

Sunbit has raised $1.3B in total.

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