Tight

In vertical SaaS, the difference between being a helpful tool and an essential platform comes down to how deeply you integrate your customers’ financial operations. When accounting lives inside your platform—not in a separate app—you become the system your customers rely on to run their entire business. Learn how Tight helps vertical SaaS providers become their customers’ one-stop financial platform, streamlining key accounting tasks so businesses can focus on growth, not busywork. https://lnkd.in/eJT-TGE7

We’re excited to partner with Parafin to host a private cocktail hour at Money20/20 for fintech founders, builders, and innovators driving the future of embedded finance. Join us at Sala 118 in The Venetian Lobby Bar for an evening of networking, conversation, and connection over cocktails and light bites. 🗓 Monday, October 27 🕔 5:00 PM PDT 📍 Sala 118, The Venetian Lobby Bar Space is limited. Register here: https://luma.com/sivpu3k7

What if your small business platform could handle everything—including the books? Today, restaurant owners are closing Toast while still drowning in spreadsheets. Contractors are wrapping up ServiceTitan jobs without clear visibility into job profitability. Square sellers are losing entire afternoons to fee reconciliation. And Shopify merchants are manually matching hundreds of cross-channel transactions. It’s all part of a greater trend. According to research by Cornerstone Advisors, each week, small businesses spend 20+ hours weekly on accounting, making it their most time-consuming back-office task. Can you imagine spending over 20 hours on accounting? Every. Single. Week. Our "What If" series explores a different future: 🍕 Toast + Embedded Accounting: Restaurant margins are razor-thin, with an estimated 30% failure rate year one according to the National Restaurant Association*. If Toast offered embedded accounting as part of its service offerings, restaurants could automatically reconcile daily sales, track expenses, and generate P&Ls in real-time within its platform. That would mean putting valuable time back into customer-facing, business-building activities. 🔧 ServiceTitan + Embedded Accounting: Field service runs on complex workflows, including dispatching, invoicing, and payroll. If every job completion within ServiceTitan triggered automatic journal entries, contractors would know their true job profitability instantly rather than days or weeks later. 💍 Square + Embedded Accounting: Multi-channel sellers navigate a maze of fees, deposits, and loan repayments. All of this creates a financial picture that gets jumbled when passed through third-party accounting integrations. Imagine if Square sellers could categorize each transaction accurately and automatically within a single small business platform. That jewelry store owner could actually design products instead of wrestling for hours with QuickBooks. 🌍 Shopify + Embedded Accounting: E-commerce spans continents and currencies. If Shopify could unify financials across every sales channel, its merchants would finally understand exactly how much profit each channel is driving without the reconciliation nightmares. Consider this: 79% of SMBs would choose a platform with integrated accounting.** The miracle of progress is that problems that used to take months or even years to solve now take much, much less time. Today, software providers can add white-labeled, native accounting experiences to their platforms in as little as 2-4 weeks. Ready to be the platform that finally solves the SMB accounting problem? DM us at Tight to get the conversation started. Links to the article series in the comments ↓ *Parsa, H.G.; Gregory, Amy; and Terry, Michael "Doc", "Why Do Restaurants Fail? Part III: An Analysis of Macro and Micro Factors" (2011) **Cornerstone Advisors SMB Research, “New Revenue Opportunities From Embedded Accounting” (2024)

The most successful software platforms share a common thread: they've made accounting invisible for their small business customers. When home services platforms embed accounting, technicians capture payments that instantly reconcile to jobs. Materials hit the proper accounts. Job costing stays accurate without manual imports. For fitness studios juggling memberships, class packs, and retail, integrated accounting handles revenue recognition and expense management automatically. No more spreadsheet gymnastics at month-end (or at all). The pattern is clear. Platforms that eliminate the accounting burden become indispensable partners in their customers' success. Learn how leading platforms are transforming SMB financial management: https://lnkd.in/eqfFwmAX

Small businesses have spoken: 86% want integrated accounting services from their financial service providers. While conventional loan processing stretches into weeks, banks using embedded accounting data are delivering approvals within hours. Not by skipping due diligence—but by eliminating the document chase that slows everyone down. When accounting data flows directly into lending workflows, everybody wins. Small businesses get faster answers and better terms. Lenders process more applications with greater accuracy. And those painful back-and-forth document requests? They practically disappear. The message from the market is clear. Small businesses are choosing lenders that make their lives easier. The technology to deliver that experience already exists. Read the full article to learn how leading banks are meeting evolving SMB expectations: https://lnkd.in/eFKYgB2D

Shopify powers 12% of US e-commerce, but its merchants still face a basic financial challenge: disconnected accounting workflows. Every day, small business owners lose hours troubleshooting sync errors and matching sales data between disconnected platforms. All that could change—if Shopify added accounting to its embedded finance suite. Our latest post analyzes how Tight’s embedded accounting could help the e-commerce giant integrate enterprise-grade financial capabilities into Shopify Finance in as little as 2-4 weeks Get the full story: https://lnkd.in/ejsM_CCn

If your product expansion depends on a 12-month dev cycle, you're doing it wrong. Nymbus, a BaaS platform helping regional banks reach SMBs, needed a full invoicing and expense tracking solution. And they needed it fast. Instead of building it from scratch, they used Tight’s embedded accounting API. Implementation took less than 4 weeks. Now, the banks and credit unions using Nymbus can offer white-labeled invoicing to SMBs with just a few clicks. And they’re sticking around for more. Ultimately, the benefits of embedded accounting go beyond the ability to quickly ship a new product or feature. They also help platforms capture more revenue and reduce churn by expanding what they can offer. Learn how Tight helped Nymbus launch a white-labeled invoicing solution in under a month → https://lnkd.in/d4Wf3T5u

Ever wonder why so many embedded finance stacks stall out? It usually comes down to sequencing. Here are 5 strategic decisions that can change that: 1. Start with payments: It’s the gateway to monetization and user retention. 2. Prioritize accounting next: Accounting offers data infrastructure that provides every other feature with context and intelligence. 3. Follow the “money-in before money-out” rule: Tools like payroll, bill pay, and lending only work if you know what’s actually available to spend. When you treat accounting as core infrastructure, it unlocks automation, boosts ARPU, reduces churn, and sets the foundation for smarter features down the line. We break down all of this and more in our latest blog post. Learn why getting the sequence right matters more than most teams realize. https://lnkd.in/gNk9pa5D

If you're offering an accounting solution to SMBs, it’s going to be judged against QuickBooks Online (QBO) whether you like it or not. To compete with QBO, your accounting features need to clear the same bar for reliability, edge-case handling, and user trust. In our latest post, we break down: ✔ Why QBO became the default accounting provider for SMBs ✔ What “parity” with QBO really means for product leaders ✔ How Tight matches QBO on features—and goes even further with embedded-native advantages Check it out: https://lnkd.in/eR65qYFv

“We talked to a lot of companies that wanted to bolt a version of their standard [invoicing] experience onto our platform, maybe put our colors and logos at the top, and then charge us a premium price. Also, it would have taken two years for us to go to market…I was getting ready to throw in the towel.” – Corey LeBlanc, Co-Founder and CTO at Locality Bank From “ready to throw in the towel” to a fully integrated invoicing solution? Only with Tight. With Tight’s accounting API, Locality Bank can offer on-brand, self-serve invoicing capabilities to their Southeastern Florida businesses members directly from their platform. Some partnership highlights include: ● 45 days from the first conversation to a signed contract ● API-driven integration for a seamless user experience ● 100% white-labeled solution giving Locality Bank full control See how we’re taking community banking to the next level: https://lnkd.in/ebMqwRTA