Wisetack

Wisetack is an embedded consumer financing platform built specifically for service businesses, enabling them to offer customers flexible monthly payment options for large purchases. The platform is designed for home services (HVAC, plumbing, electrical, roofing, fencing, etc.), auto repair, dental, elective medical, and veterinary businesses, allowing them to present financing offers to customers via a simple text message or invoice link in just minutes.

Wisetack differentiates itself through simplicity and transparency — customers can view their payment options in under a minute, with no hidden fees or surprises. The platform boasts an 85% satisfaction rate (9 or 10 out of 10 NPS), and integrates seamlessly with popular field service management tools via flexible APIs, making it easy for software platforms to embed financing directly into existing workflows.

Beyond direct business signups, Wisetack also serves franchises and software partners through its API, and offers merchants a suite of growth resources including a marketing toolkit, payment calculator, sales hub, and prequal links. Financing is provided through lending partners, with APRs ranging from 0% to 35.9% and terms up to 24 months, subject to credit approval.