9 Best Expense Management Software for Startups 2025 TRUiC

Brex describes its credit cards as “corporate cards for startups and enterprises.” It offers accounting for startups physical and virtual cards and an array of startup-friendly features. Stampli Cards can be pre-coded for specific vendors or categories, and transactions can be pre-approved to reduce the risk of errors or fraud. You can also create individual cards to manage recurring payments or subscriptions, making tracking and controlling these often-overlooked expenses easier. Stampli Card is optimized for AP spending and employee expenses, giving you unparalleled control over total company spending and working capital management.

Vivid Money

Also established in 2017, Brex is a fintech company that offers business charge cards and bank account services to US technology companies and startups. In 2022, Brex announced it was exiting the small business marketplace to focus on the enterprise market. Some card solutions (like Stampli Card) integrate with spend and AP management platforms. These platforms can integrate with ERPs, accounting software, and human resource information systems (HRIS), to let you manage your corporate card and AP spend in one place. This also lets you share up-to-date and accurate information across your business to improve bookkeeping and accounting process efficiencies. Used by financial institutions and crypto companies, the platform allows users to build products using their API; accessing valuable data to provide the best financial services possible.

Market Opportunity

Many of our essential services are free to use, making it easy to manage your finances without worrying about hidden costs. Airbase currently has partnerships with American Express and Silicon Valley Bank. With American Express claiming 42% market share of the corporate card market alone, Airbase is acquiring a large amount of distribution by partnering with the financial services giant. Despite this, Airbase has not announced any new partnerships since February 2022. Airbase allows budget owners to create custom approval workflows for virtual cards and purchase requests that enable them to preview and approve expenses before https://jt.org/accounting-services-for-startups-enhance-your-financial-operations/ they occur.

Airbase vs. Ramp Comparison:

• Its intake and approval processes are designed to promote oversight and spending compliance among stakeholders.
• The relationship with your accounting firm becomes one of your most important business partnerships.
• It helps finance teams track on-chain activity, reconcile transactions across wallets and exchanges, and produce accounting-ready outputs aligned with corporate reporting needs.
• Circle is best known as the issuer of USDC, one of the most widely used regulated stablecoins, and it also provides APIs for payments, treasury operations, and digital asset services.
• The platform takes both parties into consideration, allowing contractors to control their cash flow and grow stress-free while suppliers are able to move more product in less time.
• Despite being a large market, SMEs are underserved when it comes to digital tools.

The end results are monthly close processes that involve huge amounts of low-value, manual work and a lack of central visibility into how money is spent in the business. While Relay doesn’t offer credit products like Ramp, it does provide a great resource for other financial services such as online banking, money management, and more. However, with plans starting at $30 per month, it can be a bit higher in cost than competitors.

• According to a memo prepared by Airbase in advance of its Series B, gross margins for the financial year ending January 2021 were 90%.
• Businesses use Circle to accept, hold, and send stablecoin payments, which can reduce cross-border friction and accelerate settlement compared with traditional banking rails.
• The platform is particularly useful for companies dealing with payroll in crypto, treasury holdings, token operations, or payment acceptance.
• Start by targeting one market first; in our case, it was medium-sized businesses.
• However, the platforms we’ve included below go much farther than simply categorizing expenses.

For fintechs and SaaS platforms, this reduces the complexity of maintaining dozens of integrations. Merge handles authentication, data normalisation, and ongoing maintenance behind the scenes. This allows product teams to focus on features rather than integration plumbing. The final section of our top 100 fintech tools and platforms is dedicated to fintech enables and developer tools.