Spending stops being personal
Company spend on a company card, with a limit set per holder. It sounds administrative until the first time you try to reconcile a year of mixed personal and business transactions.
For small businesses
For small businesses
We will grow your small business to the next level is the kind of sentence every company writes. Here is the unglamorous version of what it means: the founder stops paying for everything personally, the receipts stop living in a glovebox, and somebody other than the founder can buy something without asking.
Get a quoteWhat actually changes
Four problems every company hits at roughly the same size.
More than one person can buy
Cards issued to the people who need them, with limits that reflect what they buy. The alternative — everything routed through one person — is a bottleneck that gets worse exactly as the company grows.
Receipts get captured
At the moment of purchase, attached to the transaction, rather than reconstructed at the end of the quarter from a shoebox and a memory.
Spend becomes visible
Categorised, per holder, in something closer to real time than a monthly statement. That is what turns a card programme into a management tool rather than a payment method.
Setting it up
Who holds a card, and what they can do with it
The two decisions worth taking deliberately.
Card issuance is a delegation decision before it is a financial one. The useful question is not who is senior enough to hold a card, but who currently has to ask somebody else to buy things — because that is where the delay and the personal spending are happening.
Limits then follow the job rather than the hierarchy. Somebody who buys stock weekly needs a higher limit than somebody who buys software once a quarter, regardless of who reports to whom, and a limit that is too low simply pushes spending back onto a personal card.
Talk it through
Keeping it clean
The month-end that does not ruin a week
Most of the pain of company cards is not the cards; it is the reconciliation. If receipts are captured at purchase and transactions are categorised as they land, month-end is a review rather than an excavation.
The rest is habit, and habits need to be cheap: capture on the phone at the till, one category correction that sticks, and an export your accountant actually accepts. Any step that takes more than a few seconds is a step people stop doing in a busy week.
How the platform works
How an enquiry works
From enquiry to a quote
1
Tell us the shape
How many people would hold a card, roughly what the company spends on each month, and what is currently broken about how it is done.
2
We come back with a quote
In writing, covering what the programme would look like and what it costs — not a call-back to ask the questions you already answered.
3
Documentation
Company documents and identification for the people who will hold cards. We tell you the list up front so the wait is for a decision, not a missing paper.
4
Set-up and hand-out
Limits set, controls agreed, receipts capture switched on, and a short conversation with each cardholder about what is visible to the company.
Questions
About business cards
How small is too small?
There is no floor worth stating. The moment a second person needs to buy something, or the founder is reimbursing themselves monthly, a company card usually pays for itself in time saved rather than in rewards.
Can we see what staff spend?
Yes — that is the point of a company card, and every cardholder should be told so before they are given one. Visibility that comes as a surprise is a trust problem, and it is entirely avoidable by saying it out loud at hand-out.
What about limits for one-off large purchases?
Better handled as a temporary increase than as a permanently high limit. It keeps the everyday exposure small and makes the exception visible, which is usually what a finance lead wants anyway.
Do you integrate with our accounting software?
Export is always available in the formats accountants ask for. Where a direct integration is possible it is worth setting up once; where it is not, a clean monthly export is a five-minute job rather than a project.
What happens when somebody leaves?
The card is cancelled, not reassigned, and outstanding transactions still reconcile against the person who made them. Reassigning a card is how audit trails get destroyed.
Is this financial or tax advice?
No. We can explain how the programme works and what it costs; how you treat spending for tax is a question for your accountant, and we will say so rather than guess.
Two lines is enough to start
How many people would hold a card, and what is broken about the way company spending works now. We come back with a quote, in writing.