Orchestration Layer for Contractor Payments
Anthony Mironov, CEO of Wingspan, on building financial services for contractors
The real product is not sending money, it is turning contractor chaos into payroll-like software. At mid-market scale, the hard part starts before funds move, gathering work data from claims systems, Airtable, or other project tools, checking documents like W-9s and background checks, then pushing clean records into finance systems for reconciliation. That is why Wingspan is positioned less like Bill.com for vendors and more like an operating layer for large contractor networks.
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With 5 to 10 contractors, a company can get by with bank bill pay, Gusto, or spreadsheets. At 50, 100, or 500 contractors, the work explodes across onboarding, compliance, tax forms, insurance checks, and payment reconciliation, which is where purpose-built workflow software starts to matter more than the payment rail itself.
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Bill.com and AP tools are built to pay vendors after finance has already approved an invoice. Wingspan is built further upstream. It listens for signals that money is owed, automates contractor onboarding and document collection, then closes the loop by reporting payment outputs into ERP systems so books can be closed faster.
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This workflow layer also changes the economics. Contractor payroll platforms sell software access to the company, then monetize the contractor side through instant payouts, card spend, insurance, and other fintech services. That only works if the platform owns the full flow from work completed to money received, not just the final ACH.
The market is moving toward embedded contractor infrastructure inside payroll, PEO, and vertical SaaS products. As blended W-2 and 1099 workforces become normal, the winners will be the systems that automate the messy middle between work performed and payment sent, because that layer controls both the workflow and the future fintech revenue attached to it.