Wisetack

Wisetack

Point-of-sale financing platform for businesses

Overview

Wisetack is a technology platform in consumer lending that helps businesses offer real-time, point-of-sale financing to customers. It integrates with a merchant’s software so customers can apply for financing within seconds at checkout, allowing purchases to be paid over time while the business receives payment upfront. Wisetack earns revenue by charging the merchant a fee per financed transaction. Unlike many lenders, Wisetack focuses on seamless B2B integration across a variety of industries—from home services to auto detailing—so merchants can add financing options without handling sensitive customer data. The company’s goal is to give merchants a predictable, upfront payment while providing customers with transparent, easy-to-understand financing options at the point of sale.

About Wisetack

Simplify's Rating
Why Wisetack is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Enterprise Software

Fintech

Financial Services

Company Size

51-200

Company Stage

Growth Equity (Venture Capital)

Total Funding

$128.4M

Headquarters

San Francisco, California

Founded

2018

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Simplify's Take

What believers are saying

  • June 15, 2026 raised Wisetack financing to $65,000 and 10-year terms.
  • July 24, 2026 LendingClub added strategic investment and home-improvement lending access.
  • Trinity Capital committed $25 million on January 30, 2025, extending growth runway.

What critics are saying

  • LendingClub now underwrites directly, turning Wisetack into a replaceable distribution layer.
  • A 3.9% merchant fee faces compression as partners demand lower take rates.
  • If bank partners or lenders retreat, originations collapse and Wisetack loses its core product.

What makes Wisetack unique

  • Wisetack embeds financing inside contractor software, not a separate consumer checkout.
  • By July 2026, Wisetack reached 40,000 contractors across home improvement.
  • Wisetack pairs instant approvals with upfront merchant payouts, reducing contractor credit exposure.

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Funding

Total Funding

$128.4M

Above

Industry Average

Funded Over

6 Rounds

Growth Equity VC funding comparison data is currently unavailable. We're working to provide this information soon!
Growth Equity VC Funding Comparison
Coming Soon

Benefits

Remote Work Options

Company Equity

Growth & Insights and Company News

Headcount

6 month growth

-2%

1 year growth

-4%

2 year growth

-2%
My Air Tech Mechanical
Nov 15th, 2025
Premium Residential HVAC Repair in Martin County: Restoring Home Comfort & Efficiency

Premium Residential HVAC repair in Martin County: restoring home comfort & efficiency. A comfortable home depends on one thing more than anything else - how well your heating and cooling system performs. When your AC struggles, airflow becomes uneven, or the system suddenly stops working, most homeowners immediately search for residential HVAC repair in Martin County or "residential HVAC repair near me." What they want is simple: fast service, expert diagnosis, long-lasting repair solutions, and technicians they can trust. This is exactly what Air-Tech Mechanical specializes in. With years of experience serving homeowners across Martin County, the team focuses on premium, long-term HVAC repair solutions, not temporary fixes that create bigger problems later. Why Residential HVAC Issues Should Never Be Ignored Delaying HVAC repair is one of the costliest decisions homeowners make. A minor malfunction can escalate into a compressor failure, coil burnout, or electrical overload - repairs that are far more expensive. Your HVAC system should never be repaired by trial and error. It requires technicians who understand airflow science, load balancing, refrigerant pressure, and energy efficiency. That's why choosing a trusted specialist in Martin County residential HVAC repair is essential. Why fast repair response matters. Air-Tech Mechanical know that unexpected AC repairs can place stress on your budget. To make repairs more manageable, Air-Tech Mechanical offers flexible financing through Wisetack. Air-Tech Mechanical has partnered with Wisetack to provide convenient, customer-friendly financing options - so you can pay over time instead of all at once. The application takes about a minute, and checking loan options does not affect your credit score. Now, your home comfort doesn't have to wait. Repair today and pay responsibly over time. Why homeowners choose Air-Tech Mechanical. Air-Tech Mechanical follows a precision-based repair process focused on restoring full system performance - not quick fix shortcuts. Its repair approach includes: Full HVAC performance inspection Consistent, professional repairs help prevent electrical failures, coil issues, blower damage, wiring problems, and compressor overloads. This is why Martin County homeowners searching for residential HVAC repair near me consistently choose Air-Tech Mechanical. Energy-Smart HVAC repairs = long-term savings. Modern HVAC repair is not just about "fixing the problem." It's about reducing energy waste, lowering monthly bills, and ensuring the system doesn't work harder than it should. Restoring system efficiency For homeowners, choosing the right professional for residential HVAC repair in Martin County is both a comfort decision and an energy-saving decision. Common home HVAC problems Air-Tech Mechanical solve. Air-Tech Mechanical handles all major residential HVAC issues, including:

Bug Away Pest Control
May 28th, 2025
Get Flexible Pest Control Financing at Bug-A-Way

Bug-A-Way has partnered with Wisetack to provide simple, transparent financing solutions for both residential and commercial customers.

Family Home Plumbing
Feb 16th, 2025
Fix Now, Pay Over Time - Plumbing Financing for Monterey Bay Homeowners

That's why Family Home Plumbing has partnered with Wisetack to offer affordable financing options to homeowners in Monterey Bay, Carmel, Pacific Grove, Seaside, Marina, Salinas, and Pebble Beach - so you can get the plumbing solutions you need without financial strain.

Pulse 2.0
Feb 6th, 2025
Wisetack Secures $25M from Trinity Capital

Trinity Capital has committed $25 million in growth capital to Wisetack, a pay-over-time platform for home services. This funding will help Wisetack scale operations and support growth initiatives. Ryan Thompson of Trinity Capital praised Wisetack's growth and integration capabilities, while Wisetack CEO Bobby Tzekin expressed excitement about the partnership to accelerate growth in the home services market.

Contractor Accelerator
Sep 26th, 2024
Wisetack and Contractor Accelerator Partner to Simplify Home Renovation Financing

Contractor Accelerator, the number one app for residential contractor drawing and bidding, has teamed up with Wisetack, the leading pay-over-time platform for in-person services, to offer a game-changing solution.

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