Wisetack
Wisetack is a San Francisco-based embedded consumer financing platform that enables SMB service businesses—primarily in home services, auto repair, dental, medical, and veterinary—to offer instant installment loans at the point of sale via integrations with 50+ field service management software tools.
- Company typePrivate
- Founded2020
- HeadquartersSan Francisco, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Wisetack does
Wisetack is a San Francisco-based, Delaware-incorporated fintech that operates an embedded consumer financing platform for small and mid-sized service businesses. Founded in 2018 and venture-backed (Series B led by Insight Partners in 2021 with participation from Greylock and Bain Capital Ventures), the company enables merchants in home services, auto repair, dental, elective medical, and veterinary verticals to offer installment financing at the point of sale via text or email link, with consumers completing applications on mobile devices in under a minute and receiving real-time credit decisions.
The core technology is an API and embedded-UI financing platform integrated natively into 50+ field service management and practice management software tools (Housecall Pro, Jobber, Job Nimbus, Thryv, Workwave, Field Pulse, Dental Intelligence, etc.), so financing can be offered from inside existing merchant workflows without separate onboarding. Consumer loans are originated by bank partners — U.S. Bank, Citizens Pay (Citizens Bank), and Happen Bank (formerly LendingClub) — with Wisetack operating the technology layer and merchant interface. The platform cites over 150 billion cells of data informing credit decisioning, supports a 74% approval rate, and offers up to 8 personalized monthly payment options per applicant. A 2026 partnership with LendingClub/Happen Bank extends home improvement loan sizes up to $65,000 within contractor workflows, targeting a $500 billion home improvement financing market through a network of 40,000+ contractors.
Wisetack's revenue model is a flat per-transaction fee (3.9% base, scaling to 4.9%–9.9% for optional 0% APR promotional plans of 6/12/24 months), with no setup, subscription, or monthly fees. Add-on modules include extended 0% APR plans and a soft-pull Prequal Link, and the company supports merchants with a Marketing Toolkit, Sales Hub, payment calculator, and merchant portal. Beyond the $45M Series B (2021), the company has received approximately $20.35M via an exempt offering in 2024, $25M in growth capital from Trinity Capital in January 2025, a committed-capital partnership with Group 1001 Insurance in September 2025, and undisclosed investments tied to Quadrille Capital (2025) and Happen Bank/LendingClub (2026). Recognized on the 2025 Deloitte Technology Fast 500, Wisetack reports operational metrics including 87% of merchants winning jobs when offering financing, NPS of 79, and 85% of customers rating the service 9–10/10.
Wisetack firmographics
Firmographics- Name
- Wisetack
- Legal name
- Wisetack, Inc.
- Website
- https://wisetack.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Wisetack is a San Francisco-based embedded consumer financing platform that enables SMB service businesses—primarily in home services, auto repair, dental, medical, and veterinary—to offer instant installment loans at the point of sale via integrations with 50+ field service management software tools.
- Ownership category
- akta.pro rank
Wisetack industry classification
Industry- Product category
- Embedded Consumer Financing
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163), Services-Prepackaged Software (7372)
- akta.pro primary industry
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
- akta.pro secondary industries
- Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), Lending & Credit Disbursements (FSAMAKAH)
Keywords
Where Wisetack is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Wisetack business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction Fees (Merchant): Wisetack charges merchants a flat per-transaction fee when a customer completes financing. The base fee is 3.9% of the transaction amount. Additional fees apply for 0% APR promotional options: 4.9% for 6 months, 6.9% for 12 months, 9.9% for 24 months. There is no setup cost, subscription fee, or monthly fee. Revenue accrues each time a financed job is completed and the merchant receives payment.
- Growth Capital Investment: Trinity Capital Inc. provided $25 million in growth capital to Wisetack in January 2025 to support scaling and innovation. This represents external capital raised to fund operations rather than an ongoing revenue stream.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard plan: 3.9% per transaction fee |
| Transaction based/ take rate | Pay-as-you-go | 0% APR 6-Month Add-On: 4.9% per transaction |
| Transaction based/ take rate | Pay-as-you-go | 0% APR 12-Month Add-On: 6.9% per transaction |
| Transaction based/ take rate | Pay-as-you-go | 0% APR 24-Month Add-On: 9.9% per transaction |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels10 records
Wisetack product offering
Product offeringCore offering
Wisetack is a SaaS-based embedded consumer financing platform that enables home, automotive, and healthcare service businesses to offer their customers monthly payment plans at the point of sale. The platform integrates directly within 50+ field service management software tools (such as Housecall Pro and Jobber) so merchants can send financing applications to customers via SMS or link and receive credit decisions in under a minute. Loan terms range from 3 to 120 months at APRs from 0% to 35.9%, and merchants pay a transaction fee between 3.9% and 9.9% based on promotion length, with loans funded by partner banks including LendingClub, U.S. Bank, and Citizens Bank.
Product overview
Wisetack is a consumer financing platform that enables service businesses to offer monthly payment options to their customers. The core platform provides embedded financing integrated into field service management software tools. The product portfolio includes specialized vertical solutions for Home Services (HVAC, plumbing, electrical, roofing, fencing), Auto Repair, Dental, Elective Medical, and Veterinary services, plus Franchise-specific offerings. Add-on features include 0% APR extended financing plans (3-24 months) and Prequal Link for early customer qualification. The platform includes a Merchant Portal for transaction management, Marketing Toolkit for promotional materials, and Sales Hub for training resources. Consumers access financing through a mobile-friendly application that delivers personalized payment options in under a minute.
Differentiator
Problem solved
Functional benefit
Products and services
- Wisetack Embedded Financing Platform SaaS platform that lets small and mid-sized service merchants offer customers monthly payment financing directly within their field service management software, with credit decisions returned in under a minute via SMS or link applications and APRs from 0% to 35.9% across terms of 3 to 120 months.
- Wisetack API and Software Integrations Developer-facing APIs and pre-built integrations with field service management software (including Housecall Pro and Jobber) that allow service businesses to offer financing inside their existing workflow tools without leaving the application.
- Wisetack Lending Partner Program
Quantifiable outcome
- Merchants experience 20% conversion rate increase when offering Wisetack
- +7 more outcomes
Companies that use Wisetack
Customer profileNamed customers16 records
Segments7 records
Ideal customer profiles3 records
Wisetack technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
Feature5 records
Wisetack partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- LendingClub Corporation (Happen Bank)coreLendingClub (rebranding to Happen Bank in summer 2026) launched home improvement loan origination through an inaugural partnership with Wisetack in April 2026. The partnership enables homeowners to access loans up to $65,000 with real-time credit decisions directly within contractor workflows. LendingClub also invested in Wisetack to accelerate and scale the partnership. Wisetack's network of 40,000+ contractors provides LendingClub access to the $500 billion home improvement financing market. This is a mutual, technology-embedded partnership with shared risk and revenue.
- QmeritminorQmerit partnered with Wisetack to simplify EV charging costs for homeowners. The partnership enables EV charging installation companies using Qmerit to offer Wisetack financing to their customers, expanding Wisetack's reach into the EV charging services vertical.
- U.S. BankcoreU.S. Bank is a lending partner providing consumer financing through Wisetack's embedded pay-over-time platform for home services. U.S. Bank originates loans and is listed as a payment servicer on the Wisetack payment page. The partnership enables Wisetack to offer financing options backed by a major U.S. financial institution.
- Citizens Bank (Citizens Pay)coreCitizens Bank's Citizens Pay program partners with Wisetack to provide installment financing for consumers at the point of sale with home service merchants. Citizens Pay is listed as a payment servicer on the Wisetack payment page alongside U.S. Bank and Happen Bank.
- Housecall ProcoreHousecall Pro is a field service management software platform that natively integrates Wisetack financing into its workflow. Merchants using Housecall Pro can send Wisetack financing applications directly from within their job management and invoicing workflow. This is one of Wisetack's primary software distribution channels.
- JobbercoreJobber is a field service management platform that integrates Wisetack financing options into its quoting and invoicing tools. Service businesses using Jobber can embed Wisetack prequal and financing links directly within their client management workflow.
- ThryvcoreThryv provides field service management and CRM tools for home service businesses with native Wisetack integration. Franchise operations using Thryv can offer Wisetack financing across their network of locations.
- WorkwavecoreWorkwave is a field service management platform serving home service businesses with Wisetack integration embedded in its operations and job management workflow.
- Dental IntelligencecoreDental Intelligence is a dental practice management software platform that integrates Wisetack patient financing options, allowing dental practices to offer installment financing directly within their treatment planning and patient management workflow.
- Job NimbuscoreJob Nimbus is a CRM and project management tool for contractors that integrates Wisetack financing options, enabling contractors to send financing offers as part of their estimates and project proposals.
- Field PulsecoreField Pulse is a field service management and invoicing platform for home service businesses that embeds Wisetack financing options for seamless point-of-sale financing offers.
Scale indicators15 records
Recent moves6 records
Expansion highlights6 records
Wisetack competitors and assessment
Company assessmentDirect peers
- Sunbit: Sunbit is a POS financing company specializing in service-based SMBs (auto repair, dental, veterinary, home services) — the closest direct competitor to Wisetack, targeting nearly identical verticals with similar merchant-funded installment loan products.
Broad incumbents
- Affirm: Affirm is a large public BNPL provider offering POS installment financing across a much wider range of merchants; while not service-vertical-specialized, it represents the dominant BNPL competitor pushing into home services and healthcare adjacencies.
- Klarna: Klarna is a global BNPL incumbent expanding from retail into service categories. Comparable to Wisetack as a competing installment lender at the point of sale, but at substantially larger scale and broader merchant coverage.
- CareCredit (Synchrony): CareCredit is a Synchrony Financial product offering healthcare and veterinary POS financing — directly competitive with Wisetack's dental, medical, and veterinary verticals with a much longer operating history.
- GreenSky (Goldman Sachs):
Emerging players
- Enhancify: Enhancify is a smaller BNPL provider focused on home improvement and contractor financing, overlapping with Wisetack's core home services vertical and its LendingClub-driven home improvement segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Wisetack social profiles
Digital presenceWisetack compliance and trust
Trust signalCompliance1 record
Wisetack financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wisetack leadership team
Management profileNumber of profiles
Profiles5 records
Wisetack funding detail
Funding detailFunding overview
Funding rounds7 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wisetack M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Wisetack
What does Wisetack do?
Wisetack is a SaaS-based embedded consumer financing platform that enables home, automotive, and healthcare service businesses to offer their customers monthly payment plans at the point of sale. The platform integrates directly within 50+ field service management software tools (such as Housecall Pro and Jobber) so merchants can send financing applications to customers via SMS or link and receive credit decisions in under a minute. Loan terms range from 3 to 120 months at APRs from 0% to 35.9%, and merchants pay a transaction fee between 3.9% and 9.9% based on promotion length, with loans funded by partner banks including LendingClub, U.S. Bank, and Citizens Bank.
Is Wisetack a public or private company?
Wisetack is a private company. It is classified as venture growth investor backed and is currently operating.
When was Wisetack founded?
Wisetack was founded in 2020. It employs 101 to 250 people.
Where is Wisetack based?
Wisetack is headquartered in San Francisco, United States, in the North America region.
How does Wisetack make money?
Two revenue lines are on record. Transaction Fees (Merchant) is the primary driver. The others are growth Capital Investment.
Who are Wisetack's main competitors?
Sunbit is listed as a direct peer. Broad incumbents are Affirm, Klarna, CareCredit (Synchrony) and GreenSky (Goldman Sachs). Enhancify is listed as an emerging player.
Does Wisetack have an API?
Yes. Wisetack offers flexible APIs that make it easy to add Wisetack to any user experience. The APIs enable embedding financing options into software platforms used by service-based businesses. Software partners can integrate with Wisetack to provide embedded pay-over-time financing options.
What industry is Wisetack in?
Wisetack's product category is Embedded Consumer Financing. Its primary akta.pro industry code is FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday), with a secondary code of FSAGABAE, Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure. Its NAICS code is 52231 and its SIC code is 6141.