Create an invoicing + estimate app that simplifies contractor bids and payments

Create an invoicing + estimate app that simplifies contractor bids and payments targets a $9.6B = 4M contractors × $2.4K ACV total addressable market with medium saturation and a year-over-year growth rate of 10% YoY — adoption of digital invoicing and embedded payments among SMBs is increasing (industry estimates from payments and SMB software reports).

Key trends driving demand: Mobile-first field operations — contractors increasingly use phones/tablets on-site, creating demand for fast estimate and invoicing workflows.; Embedded payments adoption — cheaper, integrated card and ACH payments reduce friction and speed cash flow, which increases willingness to pay for software.; Verticalized SaaS wins conversions — industry-specific templates and workflows reduce onboarding friction and improve retention for niche users.; AI-assisted content and photo analysis — emerging models can generate line-item estimates from job photos and short descriptions, accelerating time-to-bid..