Wisetack · Jun 2026
Wisetack increased its maximum financing amount to $65,000, added 7- and 10-year terms starting at 9.9% APR for eligible borrowers, and kept its merchant transaction fee at 3.9%.
Company research
Public company, workplace, funding, and market signals
Updated Aug 16, 2026
Overview
Wisetack is a San Francisco fintech that provides embedded pay-over-time financing for in-person services. It connects service businesses and software platforms with lending partners so customers can apply for installment financing at the point of sale.
Primary product
Embedded consumer financing platform for home services, home improvement, elective medical, dental, auto repair, and other in-person services.
Founded
2018
Headquarters
San Francisco, California, United States
Team size
90-100
Industry
Financial services
Sub-industry
Embedded finance, point-of-sale lending, consumer financing
Offices
San Francisco, California, United States
Business model
B2B2C embedded finance
API and SaaS-platform partnerships
Marketplace/origination infrastructure for bank and lending partners
Merchant transaction-fee model
Funding
Stage
Late-stage venture/private company; Series C plus debt/growth financing
Total raised
$128.4M
Latest round
Growth capital facility · Jan 2025
Latest amount
$25M
Jan 2025 · Trinity Capital
Mar 2024 · Quadrille Capital
Sep 2021 · Insight Partners
Aug 2019 · Greylock
Corporate/venture financing rounds with undisclosed or incompletely disclosed terms
Happen listed as an investor in Exa's funding dataset
People & investors
Leadership
Co-founder and Chief Executive Officer
Co-founder and Chief Technology Officer
Katya Baron
Chief Capital Officer
Iris Pfeifer
Vice President, Growth
Joo Kim
Senior Director, Credit
Jason Hettmansperger
Director of Engineering
Ryan S.
Vice President, Finance
Chase Lucas
Director of Sales
Founders
Co-founder or early company director; current role not verified
Work & culture
Public signals describe a customer-focused fintech, an emphasis on transparent and easy-to-use financing, and a company culture intended to support engineering and employee growth. A 2023 company post said Wisetack was building the type of company employees wanted to work for and highlighted a VP of People hire. Public employer data reports a 3.9/5 rating from 28 reviews, but detailed benefits and policy information were not publicly verified.
Compensation
No reliable public compensation bands were found. Public employer data reports an overall 3.9/5 rating, with compensation rated 3.4/5, but this is limited employee-review data rather than a company compensation disclosure.
Product & market
Pricing
Merchants pay a 3.9% transaction fee, according to Wisetack's June 2026 product announcement. Consumers receive lender-provided offers subject to credit approval; published terms range from 0% to 35.9% APR and 3 to 120 months, depending on borrower, merchant, lender, and transaction.
Differentiators
- —Embedded directly into SaaS and field-service workflows through APIs
- —Large network of approximately 40,000 contractor merchants and dozens of software partnerships
- —Multi-bank and lending-partner model rather than relying on a single balance sheet
- —Fast, mobile-first application and near-real-time point-of-sale financing
- —Merchant receives payment quickly while consumers receive installment options
- —Focus on essential, high-ticket in-person services rather than general e-commerce purchases
Technology
Java
Python
SQL
AWS
Docker
Terraform
Git
GitLab
CloudFormation
dbt
Fivetran
Stitch
Tableau
Looker
Segment
Salesforce
HubSpot
Jira
Confluence
Okta
Customers
Approximately 40,000 contractor merchants, according to LendingClub's 2025 announcement
Home-services and field-service businesses
HVAC, plumbing, electrical, roofing, remodeling, pool, windows and doors, and foundation-service businesses
Dental and elective-medical providers
Auto-repair businesses
Qmerit
FieldPulse
JobNimbus
Competitors
Enhancify
FlexxBuy
GreenSky
Service Finance
Synchrony
Wisetack-like embedded lending and contractor-financing platforms
Affirm and other point-of-sale financing providers
Scale & contact
Estimated revenue
Approximately $10M-$20M annually; Exa estimates $11.6M
Estimated monthly visits
81K
Traffic estimate as of Jun 2026
Latest news
Wisetack · Apr 2026
LendingClub began underwriting and originating home-improvement loans through Wisetack, with loans up to $65,000 and a strategic investment in Wisetack.
LendingClub / PR Newswire · Nov 2025
LendingClub announced access to Wisetack's approximately 40,000 contractor merchants and dozens of embedded SaaS partnerships as part of its home-improvement lending expansion.
Wisetack · Sep 2025
Group 1001 agreed to purchase home-services and home-improvement loans originated through Wisetack's technology and merchant/software-partner network.
Wisetack · Jan 2025
U.S. Bank became a lending partner, offering qualified borrowers financing for home-service and improvement projects through Wisetack's merchant network.
Jobs and careers at Wisetack
5 jobs at Wisetack
Customer Success Associate I
Remote
Sales and Account Management
Remote, USA; USA
1d ago
Remote
Full-time
Data Analyst II, Treasury
Remote
Treasury
Remote, USA; USA
1w ago
Remote
Full-time
Accountant II
Remote
Finance & Capital Markets
Remote, USA; USA
1w ago
Remote
Full-time
Sales Development Representative
Remote
Sales and Account Management
Remote, USA; USA
2w ago
Remote
Full-time
Borrower Success Specialist
Remote
Sales and Account Management
Remote, USA; USA
3w ago
Remote
Full-time