Executive Summary

Small on-site service businesses — plumbers, HVAC techs, mobile pet groomers and other field technicians — routinely waste time and cash chasing payments after jobs, creating unpredictable cashflow and friction that harms retention and margins. The market is roughly 6 million such firms and about $12.0B in annual payment-processing and platform spend (≈$2K per business), so even small improvements in collections and dispute rates move meaningful dollars. Build a verticalized on-site payments platform combining portable card readers and an SDK for technicians, immediate authorization and consent capture, optional digital signatures/change-order flows, instant settlement rails to providers, and a platform-backed guarantee that replaces the need to pursue payment post-job. Monetize with a modest transaction premium, optional guarantee/subscription fees, and partnerships for underwriting and insurance distribution. Now is a good moment: embedded-payments and portable readers have reduced technical friction for in-person capture, real-time payout rails make fast settlement commercially viable, and vertical fintech stacks are improving conversion and retention. Those trends, plus a large $12.0B addressable market and growing expectation of instant payment, lower go-to-market friction. You can differentiate by packaging payments with industry workflows (warranties, job photos, change orders), using real-time risk signals to underwrite guarantees, and partnering with insurers and processors to keep capital light. Strengths are clear PMF and TAM; challenges are underwriting losses, capital/regulatory complexity for guarantees, and acquiring a fragmented SMB base at reasonable cost.

Market Opportunity

Stop chasing payments after jobs — on-site instant payment + guarantees targets a $12.0B = 6M small on-site service businesses x $2K annual payment-processing & platform fees (avg) total addressable market with medium saturation and a year-over-year growth rate of 6-10% digital payments growth among SMBs; gig economy tailwinds.

Key trends driving demand: embedded-payments -- portable card readers and SDKs make on-site acceptance low-friction, enabling immediate capture of card data and consent.; real-time-payouts -- faster settlement options reduce cashflow pain for freelancers and micro-SMBs.; verticalized-fintech -- industry-specific payment and booking stacks (creatives, trades) improve conversion and retention..

Key competitors include Square (Block), Stripe (Terminal + Payments), HoneyBook, PayPal / Zettle (and Venmo for Business), QuickBooks Payments / Invoice2go (Intuit ecosystem).

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Stop chasing payments after jobs — on-site instant payment + guarantees

Executive Summary

Market Validation

Market Opportunity

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