Capital at the speed of your business
Shared in confidence while we’re in stealth. Please check with us before forwarding.
Every day, a dental practice, an MSP or a contractor earns money and spends it. The two rarely line up.
cost paid now, cash collected later
Six tools · none built for how the business earns and spends
So capital decisions get made late, on instinct, or not at all.
01 · The gap
We serve established small businesses and early mid-market companies. They are focused on serving their customers, too big to run finance on instinct and too small for a CFO or treasury team. Most stall for three reasons.
The bookkeeper or accountant looks backward, closing the books and handling tax. No one’s job is to look forward: when to raise, where to deploy, and which tools or rails would do it faster and cheaper.
Money moves through systems that don’t talk to each other. Books reconcile once a month, so owners decide on numbers weeks old, and a business with several locations has no single view at all.
The business pays for staff, supplies and equipment when it does the work, and gets paid weeks or months later. Banks underwrite past results, not the work just delivered, so the gap goes unfunded or gets filled with expensive cash advances.
| Vertical | Who pays, and when | Who gets paid, and when | Proof of work |
|---|---|---|---|
| Insurers, in 15 to 120 days; about 42 more for a denied and resubmitted claim | Staff and suppliers, when the work is done; patients face their share of costly treatment | Submitted insurance claims | |
| Medicaid, commonly in 60 to 90 days | Caregivers, every pay cycle | Claims | |
| Clients, on net 90 to 120 | Contractors, often abroad, every pay cycle | Approved timesheets and invoices | |
| Clients, on net 30 to 60; large corporates on 90 to 120 | Workers, every week | Approved timesheets | |
| Owners and general contractors, on net 30 to 90; 5 to 10% held until the job ends | Crews, every week; suppliers, when materials arrive | Payment applications and lien waivers | |
| A slow payer that almost always pays | |||
Insurers, governments and large companies pay late, but they almost always pay. The risk is timing, not default.
Meanwhile the business’s own data, its claims, timesheets, payment applications, books and spend, proves the work was done. Specialized lending underwritten on that proof can fund the gap where general-purpose lenders can’t.
Losses stay low because the risk is timing.
Claims, timesheets and payment applications.
Underserved verticals, not crowded ones like trucking or construction.
Each new vertical runs on an engine we already have.
Every business in command of its capital, whatever its size or industry.
Our mission is to help businesses earn, raise and deploy capital at the speed of their business.
02 · What command looks like
Turn delivered work into cash quickly. What is still owed can be funded when the business needs it.
Pay suppliers, bills and people on time by the fastest, cheapest method. Payroll on schedule or early; contractors anywhere paid instantly, in stablecoins where that is faster.
Draw on credit to grow, against claims, invoices, timesheets or spend, on terms priced for how it actually earns.
Put capital to work where it grows the business, like payment plans that help customers say yes to treatment or a project.
Pool purchasing with similar businesses to win better supplier rates.
Books reconciled daily, a close in days not weeks, and one view across every entity and location.
03 · How we win
Every step solves a problem the owner already feels, and adds data that makes the next step better.
One business, five steps. Each one earns the right to the next.
Xero or QuickBooks at onboarding: KYB and a daily view
A rewards card wins everyday spend; every swipe shows what it buys
Advances against claims, invoices, timesheets and payment applications
Customer payment plans, early payroll, instant and stablecoin payouts
Pooled demand wins better supplier rates
Every dollar sharpens the next
Solves a problem the owner feelsWhere our data advantage compounds
The card is how we meet a business. Funding the gap is where we win the relationship.
Each product adds data that prices the next one better. Books, spend and proof of work together give us an underwriting view general-purpose lenders don’t have.
The claims engine built for dental carries to medical practices and home health. The timesheet engine built for MSPs carries to staffing.
Daily reconciliation, collections follow-up, reorders and expiry tracking, done by agents. That is how a small team serves this segment profitably.
Each new vertical costs less to enter than the last.
04 · What we’re building
Most of the parts already exist as platforms. We don’t rebuild them. We choose the best of each for a vertical, connect them into one layer, and add the two things the platforms don’t provide.
Underwriting on proof of work.
The workflows of each vertical.
Verified and connected in one sitting
The owner knows where the business stands, every day
Win everyday spend; pay everyone on the fastest, cheapest rail
Price credit on the work just delivered, not just past results
Fund the gap between earning and getting paid
Pay-in-4 and pay-in-12 plans that help customers say yes
Turn pooled demand into better supplier prices
Every dollar traceable, every rule configurable
Dental · first→Medical specialties→Home health and hospice
Timesheet and invoice engineMSPs and IT services→Staffing agencies
05 · Why now
The work that made small-ticket credit uneconomic is now work agents can do. AI is how we deliver, not what we sell.
Card issuing, ledgers, lending partners, payout rails and accounting integrations are now platforms you assemble rather than infrastructure you build. A small team can stand up a full cash flow layer for one vertical.
With the GENIUS Act enacted and Treasury now writing its rules, paying a contractor abroad can be instant and cheaper than an international transfer.
06 · Why us
Three co-founders, both halves of the story.
A decade at Visa leading global commercialization of payment products, including its customer data platform, card loyalty and rewards, and Visa Installments. Growth and engineering roles at PayPal, Salesforce, Netflix and T-Mobile.
Deep expertise in AML and financial crime compliance, with the ACAMS Certified Cryptoasset AFC Specialist (CCAS) credential.
Two of our co-founders built and launched Intuit Enterprise Suite, QuickBooks for the mid-market.
They know the capital and cash flow needs of growing businesses firsthand, and the accounting system we connect to first. We can design the product and build it.
Credit, patient financing and stablecoin payouts are all regulated. Getting compliance right from day one is what lets us launch them.
Once the gap is funded, a business can command its capital. With its cash flow on one modern layer, it can raise when it sees fit and deploy where it grows: offering customers payment plans, paying its people early, earning on its spending and buying together for better rates.
Every business already runs a capital operation. Pistacia puts it in command, at the speed of its business.
Pistacia is the genus of the pistachio tree, a nut known and eaten around the world. We wanted a name with universal recall for something as universal as money. In 17th-century India, merchants used nuts as small change. American business owners still talk about “making the nut”: covering the month’s payroll, rent and bills before anything else. That is the gap we exist to close.
And a pistachio has its own intelligence: it opens on its own when it’s ripe.