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How 12 enterprise companies transformed spend culture with financial automation

How 12 enterprise companies transformed spend culture with financial automation

Emily Taylor
Contributing writer, BILL
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For enterprise controllers managing complex financial operations, building a robust spend culture isn't optional—it's essential. The challenge lies in maintaining control and visibility while empowering teams to move quickly.

This article explores how 12 leading companies have transformed their financial operations and built stronger spend controls with the help of modern automation. From family offices managing hundreds of entities to dental networks processing thousands of invoices monthly, these organizations offer a blueprint for enterprise controllers looking to scale without sacrificing control.

Key takeaways

Enterprise controllers are using financial automation to manage spend across dozens or hundreds of entities while maintaining strong controls and clear audit trails.

The right spend controls for finance teams can reduce manual AP work by 50% or more, freeing controllers to focus on strategic initiatives rather than administrative tasks.

Companies that embed spend policies into automated workflows see immediate improvements in compliance, visibility, and efficiency—without slowing down their operations.

See how BILL can help enterprise controllers transform financial operations.

What is spend culture, and why does it matter for enterprise controllers?

Spend culture describes the shared beliefs, values, and practices that guide how an organization spends money. For enterprise controllers, it's about embedding financial policies and decision-making into daily operations so that every dollar spent supports strategic goals.

Building a strong spend culture requires more than just setting policies. It requires the right tools to enforce those policies automatically, provide real-time visibility into spending, and empower employees to make good decisions without creating bottlenecks.

The enterprise controller's challenge

Enterprise controllers face a unique set of pressures. They need to maintain tight financial controls across complex organizations while supporting rapid growth and operational flexibility. Manual processes simply can't keep pace with these demands.

The companies profiled below have found that modern financial automation creates the foundation for a healthy spend culture. By automating routine tasks, enforcing approval workflows, and providing real-time visibility, these tools help controllers maintain control without becoming a bottleneck.

12 enterprise companies that transformed their spend culture

The following case studies demonstrate how organizations across industries have used financial automation to build stronger spend controls while improving efficiency. Each company faced different challenges, but all found that the right technology enabled them to scale their financial operations effectively.

1. Mark Cuban Companies: Managing 100 entities with one AP clerk

Mark Cuban Companies encompasses approximately 100 entities and hundreds of investments under one umbrella. Director of Finance Josh Hull inherited a financial operation that relied on "sheer willpower" to keep track of monthly AP.

"When I first came on board, every emailed invoice across all those entities ran through one inbox that was monitored by hand," Hull explains. "We had two clerks who would troll the inbox every day. … Out of a 40-hour week, those two clerks spent at least half their time in that inbox."

The organization also maintained pre-printed check stock for 75 different checking accounts—a significant security risk. After implementing BILL, Hull reduced AP staff from two clerks to one while managing all 100 entities without overtime. The team eliminated pre-printed checks entirely and achieved 90-95% accuracy in invoice processing through AI and OCR.

"BILL has been so good to us. It's light years ahead," Hull says. "A lot of family offices have very antiquated processes and procedures. … I would encourage anybody to try it because it's worth it."

Read the case study >

2. Guardian Dentistry Partners: Scaling a dental network to 136 practices

Guardian Dentistry Partners supports a network of 136 general dental practices across 11 states including Alabama, Florida, Maryland, Michigan, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Texas, and Virginia. As a rapidly growing dental partnership network, they needed a solution that could scale with their acquisition strategy while maintaining HIPAA compliance.

Peter Yu, Head of Accounting, processes more than 15,000 bills monthly across all locations. “I basically put Guardian onto BILL right away,” Yu recalls. “It was seamless from there.”

The organization also implemented BILL Spend & Expense to manage spending across 200 cardholders. With BILL Spend & Expense, Guardian can see what all 200 of their BILL Divvy Card users are spending, in real time. The convenience of the mobile app, combined with seamless integration with Sage Intacct, has significantly reduced month-end close time.

“Our growth has been through acquisition—and BILL has definitely played a big role in that,” says Yu.

Read the case study >

3. Bombas: Streamlining international payments at scale

Bombas, the apparel company known for its buy-one-give-one model, has grown to approximately $500 million in annual revenue while donating over 100 million items to people in need. With roughly 50% of payments going to international vendors—a percentage that increases during holiday seasons—the company needed a solution that could handle both domestic and international payments seamlessly.

Director of Accounting Operations Melissa Harris appreciates that BILL uses the same process for all payments. "BILL Accounts Payable does it all in one shot, using the same process for both domestic and international payments," she remarks. "It's been a much more seamless process with BILL than it has been with other AP systems I've used."

The automated approval workflow has been particularly valuable. "If someone volunteers for a community service activity, returning to work won't be stressful because BILL Accounts Payable is seamless," Harris says. "Even if you come back to 100 invoices, processing them won't take that long."

Read the case study >

4. Cheney Brothers: Automating cash application for a $3.2B food distributor

Cheney Brothers is one of the largest foodservice distributors in the Southeast, with annual sales exceeding $3.2 billion. The company serves over 16,000 clients and employs more than 3,500 workers. Their challenge was reconciling high-volume, small-dollar payments with missing or messy remittance information.

"Reconciliation used to take so much manual intervention to track down missing or messy details in remittance files," explains Joe Carlson, Credit Manager. "With BILL, it's little to zero. I literally just drag and drop to our check system."

The implementation of BILL Supplier Payments Plus transformed their cash application process. "The integration with BILL has resulted in significant time savings, less manual intervention, and far more overall efficiency," Carlson shares. "Now, we get a single, customized remittance file with our payment and customer details from BILL."

Read the case study >

5. Utah Jazz: Automating financial operations for an NBA franchise

The Utah Jazz, owned by Qualtrics co-founder Ryan Smith, uses BILL's API to streamline financial operations across their organizations. The integration has automated everything from reporting to payments, saving the franchise significant time each week.

"With the BILL API, we've automated everything from reporting to payments—saving the Utah Jazz hours of work each week," the organization reports. "We're now integrated across systems, and our financial operations are more streamlined across our organizations."

Read the case study >

6. Tower 28 Beauty: From 300 invoices to 6,000 monthly

Tower 28 Beauty creates clean skincare and cosmetics for sensitive skin. Since launching in 2019, the company has expanded into all Sephora stores across the United States and Canada. Monthly transactions went from 600 in 2021 to over 3,000 today.

"Our finances were so frustrating in the beginning," recalls Victor, who handles finance operations. "If we needed a vendor onboarded or needed to pay a bill, we would email Amy, and she would look it over. … It was like five different emails for each invoice."

After implementing BILL, the company scaled from paying 300 invoices a month to over 6,000 while saving 40 hours per week. "If we had kept running our finances the way we were before, there's no way we would've been able to grow," Victor says. "I think, in a lot of ways, BILL allowed us to grow at the rate that we were able to."

Read the case study >

7. BrüMate: Turning spend into a revenue stream

BrüMate, the drinkware company known for products like the BrüTank cooler, implemented BILL Spend & Expense to support their rapid e-commerce growth. Today, they have roughly 20 cardholders across finance, accounting, executive management, wholesale, marketing, and creative teams.

Jarrod Cox, CFO, explains how the platform supports their agile business model: "One of the unique things about working in an e-commerce company is how quickly things change on a daily basis. … BILL Spend & Expense has allowed us to be agile."

The company has also turned their business spending into a revenue stream. "Over the course of our relationship with BILL Spend & Expense, we produced nearly $400,000 worth of rewards* for us," Cox shares. "On a monthly basis, we're able to recycle the rewards that we get directly back into what pays for our creative marketing."

Read the case study >

8. Blackstone: Scaling expense management while earning rewards

Blackstone, the outdoor cooking products company, transformed their financial operations with BILL Spend & Expense. Before implementation, transactions were never categorized, requiring manual matching of each expense with a receipt.

"Before BILL, I was spending probably three days at the end of each month going through all the credit card expenses," says Tracy Owens, who handles accounting. "Going from three days of trying to get through hundreds of transactions with a very small number of cardholders to being able to get it all done in three hours with over 40 cardholders is a huge time savings."

The company has also benefited significantly from the rewards program. "Through the end of March, we had earned over $60,000 in rewards* just from doing our everyday business," Owens shares. The ability to issue cards also eliminated petty cash. "We were probably up to $12,000 in petty cash every month, and the impact has been profound."

Read the case study >

9. Ignite Medical Resorts: Streamlining AP and expense management across 23+ facilities

“I knew what we had was special,” says Shonna Hanscom, Executive Director for Ignite Medical Resorts, “but I don’t think I knew on day one just how big we were going to get, or how fast." What started with two facilities now includes 23—all separate legal entities—with more added every year.

Thanks to BILL, Hanscom was able to manage AP by herself from 2020 to 2022, during their most explosive period of growth. “Even when we had 16 facilities. I was stretched thin, but I did it. And I only did it because BILL is that easy to use. It's that flexible.”

Hanscom especially appreciates being able to screen bills right up front. “Before, we had to enter each bill in the system and tag people with questions. If we had to remove one, it was a whole ordeal. Now, we can have those conversations in the BILL inbox and prevent any incorrect bills from entering the system in the first place. That’s pure gold.”

Read the case study >

10. LCBC Church: Modernizing expense management across 14 locations

LCBC Church has grown from one location to 14 throughout Pennsylvania, with average weekly attendance exceeding 17,000. As the congregation expanded, so did the time it took accounting staff to reconcile expenses.

"With our old system, people had to take an image of every receipt with their phone, send the images to their computer, convert them to PDF, then upload the files," explains Lauryn Fitch, LCBC accounting associate.

After implementing BILL Spend & Expense across all locations with 182 cardholders, the organization saw immediate improvements. "I estimate we save at least $30,000 a year just because of the time BILL Spend & Expense saves," Fitch says. "I've had experience in eight different expense management systems for credit cards, and BILL Spend & Expense is by far the best."

Read the case study >

11. Wilbur Labs: From receipt chasers to financial analysts

Wilbur Labs is a Miami-based startup studio that builds companies from the ground up. Before implementing financial automation, the team was processing manual expense reports and paying around $100 per month for an expense reporting solution that wasn't keeping pace.

"It was a cumbersome process collecting receipts before BILL Spend & Expense," the team says. Keeping documentation consistent and timely was a major challenge.

After implementing BILL Spend & Expense, the organization saves 10+ hours and hundreds of dollars every month. More importantly, the shift has changed how the finance team operates. "We are now able to focus on analyzing and reporting trends," the team reports, having transformed from receipt chasers to financial analysts.

Read the case study >

12. Five Nines: Securing spend in IT services

Five Nines, an IT services company, needed an expense management solution that their field technicians would actually use. The old platform created bottlenecks, with transactions taking 3-5 days to post.

"We had no control as a manager to see what our teams had for limits," explains Josh Palmer, Director of Finance.

After switching to BILL Spend & Expense, the month-end expense process became at least 90% more efficient, saving Palmer almost 5-7 hours per week. "Our industry protects everyone from cyber security incidents, so we want to make sure the platforms we use are just as secure," he notes. "So the mobile app and multi-factor authentication is phenomenal!"

Read the case study >

Enterprise spend controls: Key metrics comparison

The following table summarizes the key results achieved by these 12 companies, demonstrating the measurable impact of implementing spend controls for finance teams.

Company Industry Scale Key Result
Mark Cuban Companies Family Office 100 entities Reduced AP clerks from 2 to 1; eliminated pre-printed checks
Guardian Dentistry Partners Healthcare (Dental DSO) 136 practices, 11 states 15,000+ bills/month; 200 cardholders with real-time visibility
Bombas Retail/E-commerce ~$500M revenue 50%+ international payments streamlined; 100M+ donations supported
Cheney Brothers Food Distribution $3.2B revenue, 16,000+ clients Automated cash application; near-zero manual reconciliation
Utah Jazz Professional Sports NBA franchise Hours saved weekly through API automation
Tower 28 Beauty Beauty/Retail All US/Canada Sephora stores Scaled from 300 to 6,000 invoices/month; 40 hours/week saved
BrüMate Consumer Products E-commerce brand $400K in rewards; day-to-month spend cycle visibility
Blackstone Manufacturing Outdoor cooking products 40+ cardholders; $60K+ rewards; eliminated $12K/month petty cash
Ignite Medical Healthcare 23 facilities, 3.5K employees At 23 companies and growing; has added only 1 AP and 1 data entry person
LCBC Church Nonprofit 14 locations, 17K weekly 182 cardholders; $30K/year savings
Wilbur Labs Technology Startup studio 10+ hours saved monthly; team shifted to analysis
Five Nines IT Services Field services 90% more efficient; 5-7 hours/week saved

Best practices for enterprise controllers implementing spend controls

The companies profiled above share several common approaches to building effective spend controls. Here's what enterprise controllers can learn from their experiences.

Automate approval workflows

  • Use automated, multi-level approval routing to send invoices to the correct approvers without manual intervention.
  • This maintains controller oversight without creating bottlenecks.

Example: Ambient Photonics requires three reviewers on every invoice before payment, ensuring accountability while keeping processes efficient.

Empower employees with controlled spending

  • Provide employees with spending tools that include predefined limits and guardrails.
  • Virtual cards with customizable budgets allow team leads to execute initiatives while finance retains visibility and control.

Example: BrüMate equips team leads with virtual cards, eliminating the need to share physical cards. As their CFO notes, this approach empowers teams while maintaining oversight.

Eliminate manual processes that create security risks

  • Manual workflows, such as pre-printed check stock, increase fraud and security exposure.
  • Automating payments reduces these risks and saves time.

Example: Mark Cuban Companies eliminated pre-printed checks entirely after implementing BILL, removing a major security vulnerability.

Integrate with existing accounting systems

  • Seamless integration with accounting platforms prevents duplicate data entry and ensures financial accuracy.
  • Common systems include Sage Intacct, QuickBooks, and NetSuite.
  • Tight integrations keep financial records up to date and reduce reconciliation effort.

Capture receipts at the point of purchase

  • Collect receipts in real time instead of chasing them after transactions occur.
  • Mobile receipt capture improves documentation quality and reduces administrative work for finance teams.
  • This shift significantly improves efficiency and compliance.

Building your spend culture with BILL

The 12 companies profiled above represent different industries, sizes, and challenges. But they all found that modern financial automation created the foundation for a healthy spend culture—one where controls are embedded in workflows rather than enforced after the fact.

For enterprise controllers looking to transform their financial operations, BILL provides an integrated platform that combines accounts payable automation, expense management, and spend controls. The platform helps finance teams maintain visibility and control across multiple entities while freeing up time for strategic work.

Whether you're managing 100 entities like Mark Cuban Companies, processing 15,000 bills monthly like Guardian Dentistry Partners, or scaling from hundreds to thousands of invoices like Tower 28 Beauty, the right automation can transform what's possible for your finance team.

See how BILL can help your organization build stronger spend controls.

FAQs

Here are answers to common questions enterprise controllers have about spend controls and financial automation.

What is spend culture, and why does it matter?

Spend culture refers to the shared practices, policies, and values that guide how an organization spends money. For enterprise controllers, a strong spend culture means embedding financial policies into daily operations so that spending aligns with strategic goals automatically—without creating bottlenecks or requiring constant oversight.

How does financial automation improve spend controls for finance teams?

Financial automation improves spend controls by enforcing approval workflows automatically, providing real-time visibility into spending, and creating detailed audit trails. Instead of relying on manual tracking, controllers can set up rules that route invoices and expenses to the right approvers while maintaining complete documentation.

What results can enterprise controllers expect from implementing spend controls?

Based on the case studies above, enterprise controllers typically see significant time savings (50% or more reduction in AP work), improved accuracy, better visibility into spending, and reduced security risks. Many organizations also benefit from rewards programs that turn necessary business spending into additional revenue.

How do spend controls work across multiple entities?

Modern platforms like BILL can manage multiple entities through a single interface while maintaining proper segregation. Transactions route automatically to the correct entities, approval workflows can be customized for each entity, and consolidated reporting provides visibility across the entire organization structure.

*Individual results vary. Typical annual rewards are calculated following this billing cycle.

Author
Emily Taylor
Contributing writer, BILL
With a background in finance and over a decade of experience in business writing, Emily simplifies complex finance topics to help businesses streamline operations, manage cash flow, and make smarter financial decisions.
Author
Emily Taylor
Contributing writer, BILL
With a background in finance and over a decade of experience in business writing, Emily simplifies complex finance topics to help businesses streamline operations, manage cash flow, and make smarter financial decisions.
Get more from BILL
Subscribe to finance insights and thought leadership content delivered straight to your inbox.
By continuing, you agree to BILL's Terms of Service and Privacy Notice.

Frequently asked questions

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Software Comparison

BILL Spend & Expense
Best for AI expense automation
4.5 on G2
  • Smart corporate cards with real-time tracking, flexible limits, and instant visibility into every transaction across your team [1]
  • Unlimited free virtual cards with unique numbers for each vendor or subscription—freeze, delete, or set custom limits instantly to prevent overcharges and reduce fraud risk [5]
  • AI-powered auto-categorization and receipt matching that connects card transactions and expenses into a single reconciliation workflow [1]
  • Customizable budgets with spend controls based on merchant, amount, receipt requirements, and configurable approval workflows [3]
  • Auto-freeze on cards with incomplete transactions, ensuring receipts and documentation are captured before additional spend is approved [1]
  • Up to 7x points on restaurants, 5x on hotels, 2x on recurring software, and 1.5x on all other purchases (rates shown are for weekly or daily billing cycle; rates vary by billing frequency) [2]
  • Two-way sync with QuickBooks, NetSuite, Sage Intacct, Xero, and Microsoft Dynamics; additional integrations with Acumatica, Slack, and HRIS platforms [1]
  • Pro: $0/user/month with all features included—no paid tier to unlock [4]
  • Pro: Merchant controls and auto-freeze cards at no extra cost [1]
  • Pro: Credit lines that don't fluctuate daily based on bank balance [4]
  • Pro: All ERP integrations (NetSuite, Sage Intacct, Xero) included free [1]
  • Con: 12-month holding period before rewards can be redeemed [2]
  • Con: Category reward multipliers cap at $5,000/month per category [2]
  • Con: Less established in global, enterprise-scale expense programs with multi-country regulatory requirements

BILL Spend & Expense pairs corporate cards with AI-powered expense management and budget controls in a single platform at no cost—teams aren't paying per user or upgrading to unlock features that competitors gate behind paid tiers.

Merchant-level spend controls and auto-freeze on incomplete transactions give admins granular oversight without manual policing, and two-way ERP integrations are included free where Ramp and Brex charge for NetSuite and Sage Intacct access. The main trade-off is an initial 12-month rewards holding period before accumulated points can be redeemed. [1][2][3][4]

Commonly compared to: Ramp and Brex (for card-first expense management), and SAP Concur (for enterprise expense programs).

Pricing
$0/user/month with no annual fee
Integrations
Two-way sync with QuickBooks, NetSuite, Sage Intacct, Xero, and Microsoft
Ideal company size
SMB to mid-market
SAP Concur
Best for large enterprises
4 on G2
  • AI-powered receipt capture via ExpenseIt on the SAP Concur mobile app, with smart matching that combines credit card charges and e-receipts into expense reports automatically [7]
  • Configurable approval workflows with built-in audit rules that flag policy exceptions, plus optional Intelligent Audit and Verify add-ons for automated compliance checks [6][7]
  • Modular product suite: Concur Expense, Concur Travel, and Concur Invoice are separate products that can be purchased individually or together, so organizations can start with expense management and add capabilities over time [6]
  • Bank card feed integrations that import corporate card transactions directly into expense reports for automatic reconciliation [6]
  • Joule, SAP's AI assistant, for expense report review, spend analysis, and cost estimation [6]
  • Budget tracking and monitoring tools that give finance teams visibility into spend against departmental or project-level budgets [6]
  • Support for global operations with multi-currency expense reporting and country-specific tax and regulatory compliance tools [6]
  • Pro: 300+ pre-built integrations including native SAP ERP sync [7][8]
  • Pro: Global coverage with multi-currency and regulatory compliance tools [6]
  • Pro: Modular—add travel or invoice management without switching platforms [6]
  • Pro: AI-powered receipt capture and smart matching via ExpenseIt [7]
  • Con: Quote-based pricing; no published rates on the website [6]
  • Con: No corporate card offering; relies on bank card feed integrations [6]
  • Con: Implementation can be complex for smaller organizations [6]
  • Con: Live support requires purchasing the User Support Desk service [6]

SAP Concur is the incumbent in expense management software, with the largest partner ecosystem and broadest global footprint on this list. Its modular approach gives large organizations flexibility to start with expense management and layer on travel or invoice capabilities independently.

The trade-off is complexity—pricing is opaque, there's no corporate card offering, and smaller teams may find the platform more than they need. Organizations already in the SAP ecosystem will get the most value from native S/4HANA integration. [6][7][8]

Commonly compared to: BILL (for SMB expense management), and Coupa (for enterprise spend management).

  • Best for: Mid-market and enterprise organizations that need a globally scalable expense management platform with configurable compliance tools and a large partner ecosystem. [6][7][8]
  • Highlights: AI-powered receipt capture via ExpenseIt, configurable approval workflows with built-in audit rules, optional Intelligent Audit and Verify add-ons for automated compliance checks, 300+ app integrations, and native SAP ERP sync. [6][7][8]
  • Ideal if you need: An expense platform that integrates natively with SAP S/4HANA or other enterprise ERPs, with the flexibility to add modules like Concur Travel or Concur Invoice over time. [6][7]
Pricing
Quote-based
Integrations
QuickBooks, Xero, Sage,TSheets, Gusto, & most business credit cards.
Ideal Company Size
Mid-market to enterprise
Ramp
Best for a broad spend platform
4.8 on G2
  • Corporate cards with customizable spend controls by merchant, category, employee, or department, plus unlimited virtual and physical cards [9][10]
  • AI-powered receipt matching, transaction coding, and memo suggestions that auto-populate as soon as a card is swiped [9]
  • Policy agent that reviews every expense against company policy, auto-approves compliant transactions, and escalates only exceptions with full audit trail [9]
  • Expense submission via SMS, Slack, or Microsoft Teams in addition to web and mobile app [9]
  • Reimbursements for out-of-pocket expenses paid to employees' bank accounts in 1–2 business days [9]
  • Real-time spend reporting with custom dashboards, natural-language queries, and proactive overspend alerts [9]
  • Broader spend platform that includes AP automation, procurement, vendor management, and treasury alongside expense management [9]
  • Pro: Free plan includes corporate cards, expenses, and bill pay [11]
  • Pro: AI policy agent reviews 100% of expenses automatically [9]
  • Pro: Submit expenses via SMS, Slack, or Teams—no app required [9]
  • Pro: Broader spend platform covers AP, procurement, and vendor management [9]
  • Con: Budget tracking requires Ramp Plus at $15/user/month [11]
  • Con: NetSuite, Sage Intacct, and Dynamics integrations require a paid plan [11]
  • Con: HRIS syncs and auto-lock cards require a paid plan [11]
  • Con: Credit limits fluctuate daily based on connected bank balance [12]

Ramp's strength is breadth—it's not just an expense tool but a full spend management platform that includes AP automation, procurement, and vendor management alongside expenses. The AI policy agent is a differentiator, reviewing every transaction against company rules rather than relying on manual manager approvals.

The trade-off is that several features mid-market teams rely on—budget tracking, ERP integrations beyond QuickBooks and Xero, and HRIS syncs—require upgrading to Ramp Plus at $15/user/month plus a platform fee. [9][11]

Commonly compared to: Brex and BILL (for corporate cards and expense management), and SAP Concur (for enterprise expense programs).

  • Best for: Fast-growing companies that want corporate cards, expense management, and accounts payable on a single platform with AI-powered automation. [9][10]
  • Highlights: Corporate cards with built-in spend controls, AI-powered receipt matching and expense coding, a policy agent that reviews 100% of expenses and flags only exceptions, and submission via SMS, Slack, or Microsoft Teams. [9][10]
  • Ideal if you need: A card-first platform where expense management is one part of a larger system that also covers AP, procurement, and vendor management. [9]
Pricing
$0/user/month
Integrations
QuickBooks, NetSuite, Xero, Sage Intacct, Slack, & 100+ accounting tools.
Ideal Company Size
Startups to mid-market
Brex
Best for global teams
4.8 on G2
  • Corporate cards with customizable spend limits by role, department, or category, plus auto-approve for in-policy expenses and auto-decline for out-of-policy spend [13][14]
  • AI-powered expense reviews that auto-approve compliant transactions and surface only exceptions for human review, with clear visibility into why a transaction is flagged [13]
  • Auto-generated receipts and memos with OCR that matches receipts in any language or currency, plus automatic GL coding by department, project, and entity [13]
  • Live Budgets that let department heads set top-level budgets, provision spend to individuals or teams, and track usage in real time with anomaly detection [13]
  • Global reimbursements in 70+ countries in employees' local currency, with subsidiaries able to issue reimbursements from local bank accounts [13]
  • Expense submission and approval via Slack and WhatsApp, with in-app commenting on individual transactions [13]
  • Broader financial platform that includes bill pay, business banking with up to 3.68% yield, and treasury alongside expense management [14]
  • Pro: Free plan includes corporate cards, expenses, bill pay, and travel [15]
  • Pro: AI expense reviews with 99% average policy compliance rate [14]
  • Pro: Global reimbursements in 70+ countries in local currency [13]
  • Pro: Live Budgets with real-time tracking and anomaly detection [13]
  • Con: Live Budgets require Premium at $12/user/month [15]
  • Con: HRIS syncs and customizable ERP integrations require a paid plan [15]
  • Con: Credit limits fluctuate daily based on connected bank balance [16]
  • Con: Multiple expense policies and dynamic review chains require Premium [15]

Brex positions itself as a full financial stack for startups—cards, expenses, banking, and treasury in one platform. The AI expense reviews and 99% average compliance rate (per Brex's internal metrics) are notable, and the global reimbursement coverage across 70+ countries is broader than most competitors on this list.

Like Ramp, Brex gates budget management and HRIS integrations behind a paid tier, and credit limits fluctuate daily based on your bank balance. Teams that need predictable spending power or are past the startup stage may find the pricing structure adds up. [13][14][15]

Commonly compared to: Ramp and BILL (for corporate cards and expense management), and SAP Concur (for enterprise expense programs).

  • Best for: Startups and high-growth companies that want a global financial platform covering corporate cards, expense management, bill pay, and business banking. [13][14]
  • Highlights: AI-powered expense reviews that auto-approve compliant transactions, corporate cards with built-in policy controls, Live Budgets for real-time tracking, global reimbursements in 70+ countries, and OCR receipt matching in any language or currency. [13][14]
  • Ideal if you need: A financial platform built for startups that includes expense management as part of a broader stack with banking, treasury, and AP. [13][14]
Pricing
$0/user/month
Integrations
NetSuite, QuickBooks, Workday,SAP Concur, Slack, & global banking portals.
Ideal Company Size
Startups to mid-market
Expensify
Best for simple reimbursements
4.5 on G2
  • SmartScan receipt capture by photo, email forwarding (receipts@expensify.com), or text message; auto-extracts transaction details and categorizes expenses [17]
  • Bring-your-own-card support: link existing corporate cards from 10,000+ banks globally for automatic reconciliation without switching card providers [17]
  • Expensify Visa Commercial Card with cash back on US purchases; cash back first offsets the Expensify subscription cost, then flows to the company's bank account [17]
  • Concierge AI for automated expense categorization, policy violation flagging, rule enforcement, and error reduction [17]
  • Global reimbursements for employees and independent contractors in their local currency [17]
  • Chat-based collaboration directly on individual expenses to resolve questions in real time rather than through email follow-ups [17]
  • 45+ integrations including QuickBooks, NetSuite, Sage Intacct, Xero, Workday, and Gusto [17]
  • Pro: Bring-your-own-card from 10,000+ banks globally [17]
  • Pro: Expensify Card cash back can offset the subscription cost [17]
  • Pro: SmartScan receipt capture by photo, email, or text message [17]
  • Pro: 45+ integrations including major ERPs and payroll systems [17]
  • Con: No free plan; starts at $5/user/month [18]
  • Con: Pricing structure varies by card spend volume [18]
  • Con: Budget management, advanced approvals, and expense policies require Collect or Control plans [17]
  • Con: No department-level budget management on par with card-first platforms

Expensify's strength is accessibility—it has the lowest barrier to entry for teams that just need to start tracking expenses and submitting receipts. The bring-your-own-card support from 10,000+ banks means companies don't have to switch card providers, and the SmartScan receipt capture (by photo, email, or text) is one of the more flexible input methods on this list.

The trade-off is that several features mid-market teams expect—budget management, advanced approvals, and expense policies—require upgrading to the Collect or Control plans, and spend controls are primarily limited to the Expensify Card rather than extending across all connected cards. [17][18]

Commonly compared to: Zoho Expense (for budget-friendly expense management), and BILL and Ramp (for integrated cards and expenses).

  • Best for: Small and midsize businesses that want a mobile-first expense management tool with flexible card options, including the ability to link existing corporate cards from 10,000+ banks. [17]
  • Highlights: SmartScan receipt capture by photo, email, or text message; bring-your-own-card support from 10,000+ banks globally; Expensify Visa Commercial Card with cash back that offsets subscription costs; and Concierge AI for automated categorization and policy enforcement. [17]
  • Ideal if you need: A lower-cost entry point for expense management where employees can start submitting receipts immediately without switching corporate card providers. [17]
Pricing
From $5/user/month
Integrations
QuickBooks, Xero, Sage, TSheets, Gusto, & most business credit cards.
Ideal Company Size
Small to mid-market
Zoho Expense
Best for budget-conscious teams
4.5 on G2
  • Autoscan receipt capture with OCR that auto-categorizes and itemizes each expense, plus the ability to split or tag expenses across departments, projects, or cost centers [19][20]
  • Automated per diem calculations with pre-defined rules based on country, location, and trip details for regional compliance [20]
  • Corporate card management with real-time feeds that automatically match transactions to uploaded receipts for faster reconciliation [20]
  • Mileage tracking with four input methods across Android, iPhone, and Apple Watch [20]
  • Configurable approval workflows, expense policies, and audit rules with detailed audit trails for compliance [19][20]
  • Custom modules, workflow automation, webhooks, and configurable UI elements for businesses that need tailored expense processes [19]
  • Active-user pricing model: only employees who actually create expenses are charged, so admins and approvers who don't submit reports are free [21]
  • Pro: Free plan available for up to 3 users with core expense tracking [21]
  • Pro: Active-user pricing—admins and approvers aren't charged [21]
  • Pro: Automated per diem calculations by country and location [20]
  • Pro: Deep customization with custom modules and workflow automation [19]
  • Con: Corporate card feeds and multi-level approvals require Standard plan [21]
  • Con: Deepest value requires the broader Zoho ecosystem (Books, People, CRM) [19]
  • Con: No corporate card offering; relies on connecting existing cards [20]
  • Con: Travel booking, per diem, and live budgets require Premium plan [21]

Zoho Expense offers unusually deep customization at a low price point—custom modules, workflow automation, webhooks, and configurable UI elements that most competitors don't expose. The active-user pricing model is genuinely cost-effective for companies where only a portion of employees submit expenses regularly.

The trade-off is that there's no corporate card offering—you'll need to connect your existing cards—and the platform delivers its deepest value when used alongside other Zoho products like Zoho Books and Zoho People. [19][20][21]

Commonly compared to: Expensify (for budget-friendly expense management), and SAP Concur (for global compliance and customization).

  • Best for: Small and midsize businesses that want an affordable, highly customizable expense management platform with strong global compliance features and active-user pricing. [19][20][21]
  • Highlights: Autoscan receipt capture with OCR, automated per diem calculations by country and location, corporate card reconciliation with real-time feeds, mileage tracking across multiple input methods, and active-user pricing starting at $4/user/month. [19][20][21]
  • Ideal if you need: A low-cost expense management tool with deep customization options and native integration with the broader Zoho ecosystem (Zoho Books, Zoho People, Zoho CRM). [19][20]
Pricing
Free (3 users); from $4/user/month
Integrations
Zoho Books, QuickBooks, Xero, Sage, Microsoft Dynamics, & Google Workspace.
Ideal Company Size
Small to mid-market