Average spend reduction
Saved by customers
Month-end close time
Currencies supported
Everything your finance team needs
One platform to issue, control, and reconcile every dollar your business spends.
Real-time Ledger
Every transaction posts instantly. No end-of-day batch. Your books are always current.
Virtual Cards
Issue single-use or recurring virtual cards per team, vendor, or project in seconds.
Expense Approvals
Route spend requests through custom approval chains with full audit trails.
Multi-currency
Transact in 140+ currencies. FX rates are locked at the time of card issuance.
Spend Analytics
Drill into spend by team, category, vendor, or card with interactive dashboards.
Integrations
Native sync with QuickBooks, Xero, NetSuite, and Slack. No manual exports needed.
Product
Built for how finance teams actually work
From card issuance to month-end close, every feature is designed to eliminate manual work and give you total visibility.
Cards
Virtual cards with built-in controls
Issue single-use or recurring cards for any team, vendor, or project. Set spending limits, merchant locks, and auto-expiry. Every transaction posts in real-time to your ledger.
- Instant issuance — no plastic, no waiting
- Per-card spend limits and merchant restrictions
- Auto-freeze on policy violations
Analytics
Real-time spend intelligence
See exactly where every dollar goes — by team, category, vendor, or card. Budget vs. actual views, cash flow forecasts, and trend analysis keep you ahead of surprises.
- Spend-by-category donut with drill-down
- Cash flow forecast with confidence bands
- Budget alerts before you overspend
Reconciliation
Close the books in minutes, not days
Automated receipt matching, AI-powered categorization, and native sync with QuickBooks, Xero, and NetSuite. Your ledger is always audit-ready.
- 95% auto-categorization accuracy
- Three-way invoice matching
- One-click month-end close
Up and running in minutes
No lengthy onboarding. No engineering required. Just three steps to full spend control.
Connect your bank
Securely link your business accounts via open banking in under two minutes. No credentials shared — ever.
Issue virtual cards
Create cards for any team, vendor, or project with custom spend limits and expiry in seconds.
Close books in minutes
Automated reconciliation syncs every transaction to your ERP. Month-end close in a single click.
Simple, usage-based pricing
No per-seat fees. No hidden charges. Pay only for what you use.
Wall of love
Trusted by finance leaders
See why CFOs and finance teams choose SpendArc to manage company spend.
“We used to spend four days on month-end close. With SpendArc, we're done in under two hours.”
“Virtual card controls mean I can give every team their own budget with hard limits. No more chasing receipts.”
“Multi-currency support is first-class. We operate in 12 countries and FX reconciliation is automatic.”
“The approval workflow saved us from a $40k duplicate payment. Paid for itself in week one.”
“Our auditors love the audit trail. Every transaction, every approval, every change — timestamped.”
“We replaced three separate tools with SpendArc. Cards, expenses, invoices — one platform.”
“The real-time spend dashboard means I know exactly where we are before every board meeting.”
“Receipt matching is magical. 95% of transactions auto-categorise. My team focuses on strategy now.”
“Expense reports used to take my team a full day. Now they're submitted in under a minute.”
“The budget vs actual view is exactly what I've been asking finance tools for years to build.”
“SpendArc's API is excellent. We integrated it with our ERP in a day. Documentation is superb.”
“We cut our monthly close from 5 days to half a day. The ROI was obvious within the first month.”
“We used to spend four days on month-end close. With SpendArc, we're done in under two hours.”
“Virtual card controls mean I can give every team their own budget with hard limits. No more chasing receipts.”
“Multi-currency support is first-class. We operate in 12 countries and FX reconciliation is automatic.”
“The approval workflow saved us from a $40k duplicate payment. Paid for itself in week one.”
“Our auditors love the audit trail. Every transaction, every approval, every change — timestamped.”
“We replaced three separate tools with SpendArc. Cards, expenses, invoices — one platform.”
“The real-time spend dashboard means I know exactly where we are before every board meeting.”
“Receipt matching is magical. 95% of transactions auto-categorise. My team focuses on strategy now.”
“Expense reports used to take my team a full day. Now they're submitted in under a minute.”
“The budget vs actual view is exactly what I've been asking finance tools for years to build.”
“SpendArc's API is excellent. We integrated it with our ERP in a day. Documentation is superb.”
“We cut our monthly close from 5 days to half a day. The ROI was obvious within the first month.”
“We used to spend four days on month-end close. With SpendArc, we're done in under two hours.”
“Virtual card controls mean I can give every team their own budget with hard limits. No more chasing receipts.”
“Multi-currency support is first-class. We operate in 12 countries and FX reconciliation is automatic.”
“The approval workflow saved us from a $40k duplicate payment. Paid for itself in week one.”
“We used to spend four days on month-end close. With SpendArc, we're done in under two hours.”
“Virtual card controls mean I can give every team their own budget with hard limits. No more chasing receipts.”
“Multi-currency support is first-class. We operate in 12 countries and FX reconciliation is automatic.”
“The approval workflow saved us from a $40k duplicate payment. Paid for itself in week one.”
“Our auditors love the audit trail. Every transaction, every approval, every change — timestamped.”
“We replaced three separate tools with SpendArc. Cards, expenses, invoices — one platform.”
“The real-time spend dashboard means I know exactly where we are before every board meeting.”
“Receipt matching is magical. 95% of transactions auto-categorise. My team focuses on strategy now.”
“Our auditors love the audit trail. Every transaction, every approval, every change — timestamped.”
“We replaced three separate tools with SpendArc. Cards, expenses, invoices — one platform.”
“The real-time spend dashboard means I know exactly where we are before every board meeting.”
“Receipt matching is magical. 95% of transactions auto-categorise. My team focuses on strategy now.”
“Expense reports used to take my team a full day. Now they're submitted in under a minute.”
“The budget vs actual view is exactly what I've been asking finance tools for years to build.”
“SpendArc's API is excellent. We integrated it with our ERP in a day. Documentation is superb.”
“We cut our monthly close from 5 days to half a day. The ROI was obvious within the first month.”
“Expense reports used to take my team a full day. Now they're submitted in under a minute.”
“The budget vs actual view is exactly what I've been asking finance tools for years to build.”
“SpendArc's API is excellent. We integrated it with our ERP in a day. Documentation is superb.”
“We cut our monthly close from 5 days to half a day. The ROI was obvious within the first month.”
Security, built in.
Strong encryption at rest and in transit. Every byte. Every transaction.
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