What Tight does

Tight (legal entity Hurdlr, Inc.) is a Bethesda, Maryland-based software company that provides an embedded accounting API platform for SaaS and fintech businesses. Founded in 2012, the company originally operated a direct-to-small-business consumer product under the Hurdlr brand before pivoting in 2018 to a B2B embedded model and rebranding as Tight. The platform is built around an AI-native architecture featuring a unified general ledger that automatically records and reconciles transactions in the background, supporting full bookkeeping, invoicing and payments, expense tracking, bills and accounts payable, mileage tracking, time tracking and payroll, financial statement generation, and income tax preparation.

The product suite is delivered as eight discrete APIs (Accounting & Bookkeeping, Invoicing & Payments, Business Expense Tracking, Bills & AP, Mileage Tracking SDK, Time Tracking & Payroll, Financial Statements, and Income Taxes) that can be mixed and matched and are white-labeled to the partner's brand via an embeddable UI layer. Tight maintains SOC 2 Type II compliance and serves a partner base that includes Housecall Pro, ZenBusiness, Collective, Unit, Nymbus, Bonsai, PushPress, Locality Bank, Firstbase, and the legacy Hurdlr consumer application.

Tight monetizes through enterprise platform partnerships on a quote-based pricing model, generating revenue via white-label API licensing (subscription/recurring), premium feature upsells through partner platforms, and revenue-share arrangements with adjacent fintech services such as payments, payroll, and banking. The company serves four primary segments: Vertical SaaS platforms, Horizontal SaaS platforms, Small Business Banking/Neobanks, and Virtual Bookkeeping Services. Tight is privately held, lifetime-to-date profitable with no debt, and led by co-founder and CEO Raj Bhaskar, with co-founder Anu Bhaskar serving as CTO.

Name

Tight

Legal name

Hurdlr, Inc.

Website

https://tight.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Tight (Hurdlr, Inc.) provides an AI-native, white-label embedded accounting API platform for SaaS and fintech platforms serving SMB customers. Its eight-module suite covers bookkeeping, invoicing, expense tracking, payroll, and tax, delivered via white-labeled APIs.

Ownership category

akta.pro rank

Product category

Embedded Accounting APIs

NAICS

Other Activities Related to Credit Intermediation (52239), Activities Related to Credit Intermediation (5223)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

akta.pro secondary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Embedded accounting APIs
• White-label fintech infrastructure
• SaaS accounting platform
• Agentic bookkeeping software
• Small business financial APIs

Headquarters

HQ city

Washington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. White-Label API Licensing: Tight provides white-labeled embedded accounting APIs to SaaS and fintech platforms, who embed the technology into their own products. Revenue is generated through licensing agreements with platform partners, likely on a subscription or usage basis based on SMB customer volume or transaction volume.
2. Platform Value-Added Services: Partners can offer premium accounting features including invoicing, expense tracking, and specialized financial tools as additional services to their SMB customers, creating upsell and cross-sell opportunities.
3. Partner Integration Fees: Revenue from collaboration with fintech services like payments, payroll, and banking through revenue-sharing models established with platform partners.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

Tight (legal entity Hurdlr, Inc.) provides an AI-native embedded accounting API platform that SaaS, fintech, neobank, and BaaS partners white-label and embed into their own products. The platform exposes modular APIs for double-entry bookkeeping, invoicing and payments, expense tracking, bill pay, mileage tracking, payroll, financial statements, and income taxes, all driven by a unified general ledger and agentic automation so partner end-users get end-to-end accounting without leaving the host platform.

Product overview

Tight is an embedded accounting API platform for SaaS & Fintech platforms that offers a suite of AI-native, agentic accounting solutions. The platform comprises eight core API products: Accounting & Bookkeeping API, Invoicing & Payments API, Business Expense Tracking API, Bills & Accounts Payable API, Mileage Tracking SDK, Time Tracking & Payroll API, Financial Statements API, and Income Taxes API. These modules can be mixed and matched to meet platform needs, with an API-first approach that allows seamless integration into existing products. All solutions are white-labeled, enabling platforms to own the end-to-end user experience while Tight handles the accounting complexity in the background.

Differentiator

Problem solved

Functional benefit

Products and services

• Accounting & Bookkeeping API Double-entry accounting API that runs behind the scenes inside partner SaaS and fintech products, automatically logging every invoice, expense, tax payment, and transaction for real-time financial visibility. Sold to platform partners who white-label and embed it for their SMB end-users.
• Invoicing & Payments API Embedded invoicing and payments API that automates invoice deployment, status tracking, integrated payments, and reconciliation for partner platforms serving SMB customers.
• Business Expense Tracking API Embedded expense tracking API providing real-time transaction monitoring, custom expense categories, and detailed spending insights for partner platforms.
• Bills & Accounts Payable API Embedded bills and accounts payable API that enables merchants to pay vendors and contractors directly from within partner platforms.
• Mileage Tracking SDK Embedded mileage tracking SDK using auto drive detection and location/route data to help SMB users maximize tax deductions inside partner platforms.
• Time Tracking & Payroll API Embedded time tracking and full-service, compliant payroll API that lets partners add small business payroll capabilities to their platforms.
• Financial Statements API Embedded financial statements API that instantly generates P&L statements, balance sheets, cash flow statements, and other essential reports for partner platforms' SMB users.
• Income Taxes API Embedded income tax API providing proactive federal and state return estimates, easy access to tax documents, and built-in filing capabilities for partner platforms' SMB users.
• Embeddable White-Labeled UI White-labeled, embeddable user interface components that partners can drop into their platforms to deliver Tight's accounting features under their own brand identity and flow.
• AI-Native Agentic Accounting Suite AI-native agentic accounting product suite that autonomously handles every accounting task for every type of business customer, eliminating the need for third-party software by automating bookkeeping, invoicing, expense tracking, tax management, and financial reporting.

Quantifiable outcome

• SMBs save an average of 10 hours per week on administrative tasks when using embedded accounting (example from Housecall Pro partnership)
• +4 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core, supporting and legacy.

• NymbuscoreTechnology or IntegrationStrategic partnership creating a holistic one-stop shop for small business banking and bookkeeping. Nymbus's turnkey LaunchSMB solution incorporates Tight's embedded accounting APIs, enabling banks and credit unions to offer comprehensive digital financial services including invoicing, expense tracking, and income taxes to SMB customers.
• Housecall ProcoreTechnology or IntegrationField service management platform for home service professionals (30,000+ contractors) embedded Tight's accounting capabilities including invoicing, expense tracking, and financial reporting. Home service professionals save an average of 10 hours per week on administrative tasks through the integrated solution.
• ChecksupportingTechnology or IntegrationEmbedded payroll partnership with Check enabling home service professionals to process payroll within the Housecall Pro platform. Partners with Tight to provide comprehensive financial services including payroll, invoicing, and expense management.
• Shopify / MeliosupportingTechnology or IntegrationThrough this partnership, Shopify merchants can access Melio's embedded accounts payable solution (Shopify Bill Pay) for paying vendors and contractors directly within the Shopify platform, eliminating need for separate bill payment workflows.
• FirstbasecoreTechnology or IntegrationStartup formation platform using Tight's embedded accounting to provide customers with comprehensive financial reporting and accounting capabilities within the Firstbase platform. CEO Mark Milastsivy cited Tight's flexibility and customer experience ownership as key partnership benefits.
• YardilegacyTechnology or IntegrationPrior to Tight, the team operated a Vertical ERP platform for 10 years before exiting to Yardi. This represents historical context for the team's domain expertise in embedded accounting rather than a current active partnership.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Synder: Synder offers accounting automation and financial-data sync APIs that integrate e-commerce, payment, and SaaS data into accounting platforms. Overlaps with Tight in API-first accounting infrastructure for software platforms serving SMBs.
• Aiwyn: Aiwyn automates accounting workflows (bill pay, invoicing, reconciliation) for accounting firms and the SMBs they serve via API integrations. Comparable to Tight's bill pay, invoicing, and bookkeeping APIs targeting platform-embedded use cases.
• Mesh: Mesh provides embedded financial experiences (crypto on-ramps, payments, account funding) via APIs to platforms and fintechs, directly competing with Tight's embedded-finance API model for SaaS/platform customers. Both target the same "embed financial workflows into your product" wedge.

Broad incumbents

• Plaid: Plaid is the dominant financial-data connectivity API used by Tight itself for bank/transaction data. As a broad incumbent, Plaid competes indirectly by enabling platforms to assemble their own financial workflows and could expand further into embedded accounting.
• Xero: Xero is a leading SMB accounting platform with an existing API and partner ecosystem. As an incumbent, Xero competes for SMB-facing accounting workflows and represents both a competitive threat and a potential white-label partner for platforms Tight serves.
• Finix: Finix provides payments infrastructure (APIs for accepting, splitting, and sending money) to platforms and software companies. Comparable buyer profile and API-first embedded-payments model to Tight's payments and bill pay APIs.
• Treasury Prime: Treasury Prime is a BaaS API platform connecting fintechs to bank partners for embedded accounts and payments. Competes for the same platform-embedded financial-services buyer as Tight, with a stronger banking-rail focus.
• Modern Treasury: Modern Treasury provides payment operations infrastructure (APIs for money movement, reconciliation, ledgering) to platforms and fintechs. Overlaps with Tight on ledgering and payment APIs for embedded platforms, though Modern Treasury is broader on payments and better capitalized.
• Unit: Unit is a BaaS platform enabling banks and fintechs to embed banking products (accounts, cards, lending). Unit is both a Tight partner (BaaS customer) and adjacent competitor for SaaS/platform buyers seeking embedded financial infrastructure.

Emerging players

• Numeric: Numeric is an AI-native accounting close and reconciliation platform for accounting teams. Shares the AI-native accounting positioning and serves overlapping buyer profiles (finance teams at SMBs and platforms).

Market position

Weaknesses4 records

Competitive moat5 records

Key risks2 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/tight-embedded-accounting

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds3 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tight