The financial infrastructure layer for vertical software.
VerticalStack acquires vertical SaaS businesses and brings their financial services onto a single regulated platform. Embedded payments are the first layer; lending, banking, and insurance build on the same rails and the same merchant base.
Vertical software sits at the centre of how thousands of small businesses operate, yet the financial services running through that software, starting with payments, are usually owned by someone else. VerticalStack brings the two together.
How it works:
Acquire. We acquire founder-led and small private-equity-owned vertical SaaS businesses in SME-dense, healthcare-adjacent markets such as veterinary, dental, optical, and allied health.
Integrate. Each business connects to a single regulated platform. Merchant payments move onto VerticalStack rails at software renewal, with no disruption to the service the business relies on.
Build up. Once payments are in place, the same platform and merchant base support further layers: lending and working capital, banking and accounts, and insurance. Each layer is new retained revenue rather than a re-cut of existing economics.
The platform launches as a Managed Payment Facilitator on established infrastructure, then moves to a Sponsored Payment Facilitator model on FCA authorisation, retaining the full payment economics without re-onboarding a single merchant. That regulated core is the foundation every later layer is built on.
Own the software the business runs on, then own the financial services that run through it.

VerticalStack

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VerticalStack

Org chart

Teams

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