Wisetack
ProviderEmbedded-finance provider tracked in the Embedded Finance Index — disclosed by 27 companies across 1 category.
CategoriesLending
Rank#6 of 259 in Lending
Buyers27 companies
HeadquartersSan Francisco, CA
Founded2018
Raised$64M+
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Founders & story · from Wisetack’s own dossier
Founded in 2018, Wisetack set out to bring BNPL-style installment financing to in-person services — an underserved segment ignored by e-commerce-focused BNPL players like Affirm and Klarna. Rather than building a direct-to-consumer lending brand, Wisetack pursued a B2B2C distribution model, embedding its pay-over-time infrastructure into vertical SaaS platforms serving home services, auto, and other trades. The company has progressively diversified its capital stack by adding lending partners (Hatch Bank since 2020, U.S. Bank in 2025, Group 1001 in 2025), positioning itself less as a lender and more as a lending orchestration layer for service-sector SMBs.
Latest round: Debt, 2023-2025 (latest public deal $14.3M debt)
Recent developments
- 2025-01Announced partnership with U.S. Bank as a new lending partner for home services financing. source ↗
- 2025-09Announced forward-flow capital partnership with Group 1001 Insurance for home services loans. source ↗
- 2026-01Extended and strengthened lending partnership with Hatch Bank, with increased capital commitments. source ↗
Who uses Wisetack
27 companies disclose Wisetack in their stack
Buyer mix · 25 of 27 classified
Vertical SaaS / Construction · 6Vertical SaaS / Field Service Management · 3Vertical SaaS / Home Services · 3Auto Detailing / SMB Services · 1Bank / Sponsor · 1Landscaping / SMB Services · 1Other / Home Services (Concrete Coatings) · 1Other / Tree care & landscaping services · 1
What the disclosures say
Crown Temp“Wisetack publicly lists Crown Temp as a customer (https://www.wisetack.com/). Crown Temp's own website footer states: 'Payment options through Wisetack are provided by our lending partners.”
View source · wisetack.com ↗
Hatch Bank“Hatch Bank originates and holds loans as the sponsor bank for embedded consumer financing programs — publicly named partners include Wisetack (home improvement, in-person services, since 2020), Sungage Financial (residential solar), HFD (healthcare), and Mercantile.”
WorkWave“2024 press release: 'WorkWave Bolsters Financial Services Product Offering With Wisetack and YouLend Partnerships'.”
Dental Intelligence“Wisetack publicly lists Dental Intelligence as a customer (known_customer_listings TIER 1).”
Landworks Enterprises“Wisetack case study on wisetack.com/blog/landworks-case-study quotes Caitlin, Office and Finance Manager at Landworks Enterprises, describing how Landworks offers Wisetack financing up to $25,000 to customers, integrated with their field service app.”
Ergeon“ergeon.com/blog/post/financing-option: 'We've partnered with Wisetack, an established third-party lending service.' Corroborated by wisetack.com/blog/ergeon-case-study describing Ergeon's switch to Wisetack as financing partner across 109 locations.”
The complete buyer list and each company’s full embedded-finance stack are in the
Embedded Finance Index report. Represent Wisetack? Claim this profile above to unlock your own full list.
Sample distribution — illustrative only, not Wisetack’s actual buyers.
🇺🇸 United States · 40🇬🇧 United Kingdom · 22🇩🇪 Germany · 14🇮🇳 India · 12🇫🇷 France · 9🇸🇬 Singapore · 7🇦🇺 Australia · 6🇧🇷 Brazil · 5+2 more
What Wisetack runs on · from its own dossier
The third-party providers Wisetack itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Wisetack.
Alternatives to Wisetack
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.
Share this rank
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<img src="https://www.embeddedfinanceindex.com/api/badge/wisetack/install" width="1" height="1" alt="" style="display:none">Wisetack — frequently asked
Which companies use Wisetack?
27 companies disclose Wisetack in their stack in the Embedded Finance Index 2026, including Crown Temp, Hatch Bank, WorkWave, Dental Intelligence, Landworks Enterprises, Ergeon, SmartMoving, Green Magic Landscapes, FieldPulse, Arborgold and 2 others.
What does Wisetack do?
Wisetack is an embedded-finance provider in Lending. It ranks #6 of 259 Lending providers by disclosed buyers.
What are the alternatives to Wisetack?
The most-disclosed Lending alternatives to Wisetack are Affirm (65 buyers), Klarna (55 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Liberis (21 buyers).
Where is Wisetack headquartered?
Wisetack is founded in 2018 and headquartered in San Francisco, CA.
How much funding has Wisetack raised?
Wisetack has raised $64M+ in total.
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