[{"data":1,"prerenderedAt":4128},["ShallowReactive",2],{"en-blog/company-scale-spend-culture":3,"en-global-content":1030,"en-article-global-content":2460,"en-blog-article-more-articles-4c34e454-8993-474f-a2d1-5c1f6a260e14":2718,"en-blog-article-more-articles-208785657":4123},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":1018,"full_slug":1019,"sort_by_date":41,"position":1020,"tag_list":1021,"is_startpage":26,"parent_id":1022,"meta_data":41,"group_id":1023,"first_published_at":1024,"release_id":41,"lang":47,"path":41,"alternates":1025,"default_full_slug":1019,"translated_slugs":1026},"Company scale: How spend culture changes with company growth","2022-10-24T16:29:32.338Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:33.532Z",208785657,"96359f2d-69c3-4bac-8fe7-89c457886432",{"_uid":11,"roles":12,"title":4,"author":13,"topics":57,"content":98,"category":902,"language":927,"component":915,"heroMedia":930,"sidebarCta":937,"publishedAt":938,"readingTime":939,"redirectUrl":24,"listingImage":940,"metaDescription":24,"componentsAfterTheArticle":941},"cb7a6d5f-e3b8-4507-9641-378fb350764f",[],{"name":14,"created_at":15,"published_at":6,"updated_at":16,"id":17,"uuid":18,"content":19,"slug":39,"full_slug":40,"sort_by_date":41,"position":42,"tag_list":43,"is_startpage":26,"parent_id":44,"meta_data":41,"group_id":45,"first_published_at":46,"release_id":41,"lang":47,"path":41,"alternates":48,"default_full_slug":40,"translated_slugs":49,"_stopResolving":56},"Josh Lowe","2022-10-19T17:36:59.287Z","2026-03-12T10:47:20.569Z",206165092,"86b324cd-afb8-429a-aae2-d226601aa2e6",{"_uid":20,"name":14,"links":21,"picture":22,"lastName":27,"component":28,"firstName":29,"description":30},"4052782c-1cf7-4916-b2a7-22abacb818bb",[],{"alt":23,"name":24,"focus":24,"title":24,"filename":23,"copyright":24,"fieldtype":25,"is_external_url":26},"https://a.storyblok.com/f/146026/433x433/1b757c2924/josh-lowe.jpeg","","asset",false,"Lowe","author","Josh",{"type":31,"content":32},"doc",[33],{"type":34,"content":35},"paragraph",[36],{"text":37,"type":38},"Josh Lowe helps fast-growing businesses improve their spending practices and waste less time on financial administration.","text","josh-lowe","blog/author/josh-lowe",null,-290,[],176408854,"583c05e5-52df-47c0-b12d-1e81f6b35bf1","2022-11-02T15:26:03.913Z","default",[],[50,52,54],{"path":40,"name":41,"lang":51,"published":41},"fr",{"path":40,"name":41,"lang":53,"published":41},"de",{"path":40,"name":41,"lang":55,"published":41},"es",true,[58,79],{"name":59,"created_at":60,"published_at":6,"updated_at":61,"id":62,"uuid":63,"content":64,"slug":67,"full_slug":68,"sort_by_date":41,"position":69,"tag_list":70,"is_startpage":26,"parent_id":71,"meta_data":41,"group_id":72,"first_published_at":73,"release_id":41,"lang":47,"path":41,"alternates":74,"default_full_slug":68,"translated_slugs":75,"_stopResolving":56},"Finance strategy","2022-10-19T17:57:50.961Z","2026-03-12T10:47:22.861Z",206171406,"4c34e454-8993-474f-a2d1-5c1f6a260e14",{"_uid":65,"name":59,"component":66},"11f616ce-9f54-42bb-967c-fdb960b62cef","tag","finance-strategy","blog/topic/finance-strategy",-100,[],176456153,"5a788f5a-b853-4a56-959b-15a4ea69fd80","2022-11-02T15:24:54.143Z",[],[76,77,78],{"path":68,"name":41,"lang":51,"published":41},{"path":68,"name":41,"lang":53,"published":41},{"path":68,"name":41,"lang":55,"published":41},{"name":80,"created_at":81,"published_at":6,"updated_at":82,"id":83,"uuid":84,"content":85,"slug":87,"full_slug":88,"sort_by_date":41,"position":89,"tag_list":90,"is_startpage":26,"parent_id":71,"meta_data":41,"group_id":91,"first_published_at":92,"release_id":41,"lang":47,"path":41,"alternates":93,"default_full_slug":88,"translated_slugs":94,"_stopResolving":56},"Spend management","2022-10-19T17:57:54.407Z","2026-03-12T10:47:23.262Z",206171419,"f1ded6b1-7e22-4841-a982-4b97800ed612",{"_uid":86,"name":80,"component":66},"fba530b2-81a3-4b87-986d-708d05055369","spend-management","blog/topic/spend-management",-230,[],"485045be-15bb-4bad-be38-3403f2a4f645","2022-11-02T15:24:49.793Z",[],[95,96,97],{"path":88,"name":41,"lang":51,"published":41},{"path":88,"name":41,"lang":53,"published":41},{"path":88,"name":41,"lang":55,"published":41},{"type":31,"content":99},[100,104,115,119,133,138,157,174,184,199,203,208,218,222,228,237,244,248,278,288,294,298,320,325,335,341,345,392,396,409,413,417,421,466,471,491,497,501,513,535,544,571,575,585,611,615,619,623,649,665,669,674,680,689,693,707,717,721,725,776,780,790,805,809,813,833,838,842,887,891,895],{"type":34,"content":101},[102],{"text":103,"type":38},"It goes without saying that a 10-person company spends differently from one with 500 employees. It's not just a matter of size - your challenges change completely as the business scales.",{"type":34,"content":105},[106,108,113],{"text":107,"type":38},"So what should a business expect from one growth phase to the next? And ",{"text":109,"type":38,"marks":110},"how can you manage spend smoothly without it becoming a burden",[111],{"type":112},"bold",{"text":114,"type":38}," for finance and administrative teams?",{"type":34,"content":116},[117],{"text":118,"type":38},"In this post, we examine the ways that spending changes as the company grows. More importantly, we outline your best options to stay on top of it, while keeping your team members efficient and effective.",{"type":120,"attrs":121,"content":123},"heading",{"level":122},2,[124],{"type":125,"attrs":126},"blok",{"id":127,"body":128},"3759489e-ff81-4730-9d09-046b3c94632a",[129],{"_uid":130,"html":131,"component":132},"debb928f-613a-4618-945c-161667079cca","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-71dbafaa-51f7-4ae0-b78a-f2417fc7834d\">\u003Cspan class=\"hs-cta-node hs-cta-71dbafaa-51f7-4ae0-b78a-f2417fc7834d\" id=\"hs-cta-71dbafaa-51f7-4ae0-b78a-f2417fc7834d\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/71dbafaa-51f7-4ae0-b78a-f2417fc7834d\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-71dbafaa-51f7-4ae0-b78a-f2417fc7834d\" style=\"border-width:0px;\" height=\"244\" width=\"750\" src=\"https://no-cache.hubspot.com/cta/default/2694209/71dbafaa-51f7-4ae0-b78a-f2417fc7834d.png\"  alt=\"New call-to-action\"/>\u003C/a>\u003C/span>\u003Cscript charset=\"utf-8\" src=\"https://js.hscta.net/cta/current.js\">\u003C/script>\u003Cscript type=\"text/javascript\"> hbspt.cta.load(2694209, '71dbafaa-51f7-4ae0-b78a-f2417fc7834d', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":120,"attrs":134,"content":135},{"level":122},[136],{"text":137,"type":38},"What do we mean by company scaling?",{"type":34,"content":139},[140,142,155],{"text":141,"type":38},"The terms ",{"text":143,"type":38,"marks":144},"“growth” and “scaling”",[145],{"type":146,"attrs":147},"link",{"href":148,"uuid":149,"anchor":41,"target":41,"linktype":150,"story":151},"growth-vs-scaling","61b12de5-793f-481c-97cb-8538b1c921c2","story",{"name":152,"id":153,"uuid":149,"slug":148,"url":154,"full_slug":154,"_stopResolving":56},"Growth vs scaling: What's the difference and why does it matter?",208733198,"blog/growth-vs-scaling",{"text":156,"type":38}," are often used interchangeably. In some cases this is fair, but we think there’s a pretty clear distinction between the two.",{"type":34,"content":158},[159,161,166,168,172],{"text":160,"type":38},"Some publications differentiate ",{"text":162,"type":38,"marks":163},"startup",[164],{"type":165},"italic",{"text":167,"type":38}," and ",{"text":169,"type":38,"marks":170},"scaleup",[171],{"type":165},{"text":173,"type":38}," simply by the number of employees you have. The Wikipedia definition of “scaleup” factors in both the number of employees and the amount of return you see.",{"type":34,"content":175},[176,178,182],{"text":177,"type":38},"But we prefer to focus on the funding you have and your plans for immediate growth. A scaleup is very much in the “growth phase,” and ",{"text":179,"type":38,"marks":180},"scaling a company involves growing at a faster than normal rate",[181],{"type":112},{"text":183,"type":38},".",{"type":34,"content":185},[186,188,192,194,198],{"text":187,"type":38},"If you’re about to open new branches - especially internationally - and/or dramatically increase the size of your team, you’re a scaleup. If you’re growing steadily and plan to continue on this course, that’s ",{"text":189,"type":38,"marks":190},"great",[191],{"type":165},{"text":193,"type":38},", but you’re not exactly ",{"text":195,"type":38,"marks":196},"scaling",[197],{"type":165},{"text":183,"type":38},{"type":34,"content":200},[201],{"text":202,"type":38},"And as we'll see, startups often have vastly different spending challenges than scaleups and more mature businesses.",{"type":120,"attrs":204,"content":205},{"level":122},[206],{"text":207,"type":38},"How spend evolves as the company scales",{"type":34,"content":209},[210,212,216],{"text":211,"type":38},"Naturally, ",{"text":213,"type":38,"marks":214},"the way a company spends differs drastically depending on where it is in this journey",[215],{"type":112},{"text":217,"type":38},". Brand new businesses don’t spend the same as mature companies - obviously.",{"type":34,"content":219},[220],{"text":221,"type":38},"Here are the main challenges affecting your company at each growth stage, and the way you should approach spending based on these.",{"type":120,"attrs":223,"content":225},{"level":224},3,[226],{"text":227,"type":38},"Seedling startups: No clear spend culture",{"type":34,"content":229},[230,232,236],{"text":231,"type":38},"And no real need for one. In a very small startup, ",{"text":233,"type":38,"marks":234},"you typically have the whole team in the same room 90% of the time",[235],{"type":112},{"text":183,"type":38},{"type":34,"content":238},[239],{"type":240,"attrs":241},"image",{"alt":242,"src":243,"title":41,"copyright":41},"STARTUP-SPENDING-COMPANY-SCALE","https://get.spendesk.com/hubfs/STARTUP-SPENDING-COMPANY-SCALE.jpeg",{"type":34,"content":245},[246],{"text":247,"type":38},"If an employee needs to spend, they can simply ask the CEO or office manager for the credit card. Or they spend with their own money and claim reimbursement.",{"type":34,"content":249},[250,252,263,265,276],{"text":251,"type":38},"While we don’t like ",{"text":253,"type":38,"marks":254},"expense reports",[255],{"type":146,"attrs":256},{"href":257,"uuid":258,"anchor":41,"target":41,"linktype":150,"story":259},"expense-report-process","9b42b8b7-e924-4563-b9fb-c2a622c1dfa6",{"name":260,"id":261,"uuid":258,"slug":257,"url":262,"full_slug":262,"_stopResolving":56},"17 ways the expense report process hurts your business",208785651,"blog/expense-report-process",{"text":264,"type":38}," or ",{"text":266,"type":38,"marks":267},"company credit cards",[268],{"type":146,"attrs":269},{"href":270,"uuid":271,"anchor":41,"target":41,"linktype":150,"story":272},"company-credit-card","283d36ed-2fde-45c7-b0e8-99a8ef26fc10",{"name":273,"id":274,"uuid":271,"slug":270,"url":275,"full_slug":275,"_stopResolving":56},"Company credit cards: convenient solution or a bad idea?",208729731,"blog/company-credit-card",{"text":277,"type":38}," at all, they’re manageable at this size. You’ll spot irregularities pretty quickly, and the number of payments is still so low that these processes aren’t a huge administrative burden.",{"type":34,"content":279},[280,282,286],{"text":281,"type":38},"At this stage, ",{"text":283,"type":38,"marks":284},"you don’t travel often, don’t process many invoices, and have a very low risk of fraud",[285],{"type":112},{"text":287,"type":38},". And the biggest focus is on getting the company up and running - not ramping up spend.",{"type":120,"attrs":289,"content":291},{"level":290},4,[292],{"text":293,"type":38},"Level of spend management required",{"type":34,"content":295},[296],{"text":297,"type":38},"Low:",{"type":299,"content":300},"bullet_list",[301,308,314],{"type":302,"content":303},"list_item",[304],{"type":34,"content":305},[306],{"text":307,"type":38},"Company credit card for most payments, including online.",{"type":302,"content":309},[310],{"type":34,"content":311},[312],{"text":313,"type":38},"No real need for expense automation.",{"type":302,"content":315},[316],{"type":34,"content":317},[318],{"text":319,"type":38},"Accounting done externally or with intuitive free tools.",{"type":120,"attrs":321,"content":322},{"level":224},[323],{"text":324,"type":38},"Growing startups: The first signs of spending strain",{"type":34,"content":326},[327,329,333],{"text":328,"type":38},"Once you have a product in place and your ideal customers in mind, ",{"text":330,"type":38,"marks":331},"it’s time to start generating revenue",[332],{"type":112},{"text":334,"type":38},". A lot of time and energy goes into improving that product and keeping bugs at bay.",{"type":34,"content":336},[337],{"type":240,"attrs":338},{"alt":339,"src":340,"title":41,"copyright":41},"GROWING-COMPANY-SCALE-SPENDING","https://get.spendesk.com/hubfs/GROWING-COMPANY-SCALE-SPENDING.jpeg",{"type":34,"content":342},[343],{"text":344,"type":38},"At the same time, you introduce real marketing and try to keep your sales team as busy as possible.",{"type":34,"content":346},[347,349,360,362,375,377,381,386,390],{"text":348,"type":38},"But things are still scrappy. You haven’t raised the big ",{"text":350,"type":38,"marks":351},"Series B round",[352],{"type":146,"attrs":353},{"href":354,"uuid":355,"anchor":41,"target":41,"linktype":150,"story":356},"weve-raised-35-million-to-transform-spending-at-work","681e23b5-beb1-40c2-af3a-cc8e9f5995b3",{"name":357,"id":358,"uuid":355,"slug":354,"url":359,"full_slug":359,"_stopResolving":56},"We’ve raised €35 million to transform spending at work!",208784330,"blog/weve-raised-35-million-to-transform-spending-at-work",{"text":361,"type":38}," yet, and you don’t have a long ",{"text":363,"type":38,"marks":364},"fiscal runway",[365],{"type":146,"attrs":366},{"href":367,"uuid":368,"anchor":41,"target":369,"linktype":150,"story":370},"/glossary/cash-runway","2e635e36-52bf-4a97-b738-ac376c07c619","_self",{"name":371,"id":372,"uuid":368,"slug":373,"url":374,"full_slug":374,"_stopResolving":56},"Cash-runway",297070587,"cash-runway","glossary/cash-runway",{"text":376,"type":38},". Which means that ",{"text":378,"type":38,"marks":379},"the ",[380],{"type":112},{"text":382,"type":38,"marks":383},"volume",[384,385],{"type":112},{"type":165},{"text":387,"type":38,"marks":388}," of spending is still pretty low",[389],{"type":112},{"text":391,"type":38}," - even if it feels like you’re churning through money.",{"type":34,"content":393},[394],{"text":395,"type":38},"Even so, your salespeople are starting to get out on the road. They’re meeting prospects and clients, and bringing back small stacks of receipts.",{"type":34,"content":397},[398,400,407],{"text":399,"type":38},"You’re also starting to see the effects of ",{"text":401,"type":38,"marks":402},"software sprawl",[403],{"type":146,"attrs":404},{"href":405,"uuid":41,"anchor":41,"target":41,"linktype":406},"https://www.wrike.com/blog/software-sprawl-cutting-agencys-profits/","url",{"text":408,"type":38},". Every team requires new tools just to do their work, and soon it’ll be hard to keep track of all of these.",{"type":34,"content":410},[411],{"text":412,"type":38},"For now, spending is pretty much under control. You have a few months where the administration feels like a major headache, but nothing you can’t handle.",{"type":120,"attrs":414,"content":415},{"level":290},[416],{"text":293,"type":38},{"type":34,"content":418},[419],{"text":420,"type":38},"Low but growing:",{"type":299,"content":422},[423,442,454,460],{"type":302,"content":424},[425],{"type":34,"content":426},[427,429,440],{"text":428,"type":38},"Consider an ",{"text":430,"type":38,"marks":431},"expense automation",[432],{"type":146,"attrs":433},{"href":434,"uuid":435,"anchor":41,"target":41,"linktype":150,"story":436},"expense-automation","079ff6df-3317-4964-a599-6cecb4f58707",{"name":437,"id":438,"uuid":435,"slug":434,"url":439,"full_slug":439,"_stopResolving":56},"Expense automation: How to automate expense reports and approvals",208735305,"blog/expense-automation",{"text":441,"type":38}," tool to capture receipts.",{"type":302,"content":443},[444],{"type":34,"content":445},[446,448],{"text":447,"type":38},"Also consider a tool to ",{"text":449,"type":38,"marks":450},"keep growing software subscriptions in control",[451],{"type":146,"attrs":452},{"href":453,"uuid":41,"anchor":41,"target":41,"linktype":406},"https://collect.spendesk.com/",{"type":302,"content":455},[456],{"type":34,"content":457},[458],{"text":459,"type":38},"Company credit cards are still not a major concern",{"type":302,"content":461},[462],{"type":34,"content":463},[464],{"text":465,"type":38},"Not yet wasting serious amounts of time reconciling payments",{"type":120,"attrs":467,"content":468},{"level":224},[469],{"text":470,"type":38},"Scaleups: A major increase in spending",{"type":34,"content":472},[473,475,479,480,484,486,490],{"text":474,"type":38},"This is the exciting moment when that big Series A or B funding hits your bank account. And usually with it come clear instructions: ",{"text":476,"type":38,"marks":477},"more",[478],{"type":165},{"text":167,"type":38},{"text":481,"type":38,"marks":482},"faster.",[483],{"type":165},{"text":485,"type":38}," ",{"text":487,"type":38,"marks":488},"You need more customers and more revenue coming in, and you need them as quickly as possible",[489],{"type":112},{"text":183,"type":38},{"type":34,"content":492},[493],{"type":240,"attrs":494},{"alt":495,"src":496,"title":41,"copyright":41},"SCALEUP-SPENDING-COMPANY-SCALE","https://get.spendesk.com/hubfs/SCALEUP-SPENDING-COMPANY-SCALE.jpeg",{"type":34,"content":498},[499],{"text":500,"type":38},"And in most cases, that means spending money. Which is exactly what your new funding is for. You’re hiring as fast as you can, but also pumping money into search and social advertising, bringing in agencies to run campaigns, and getting all those flashy tools you couldn’t afford before.",{"type":34,"content":502},[503,505,511],{"text":504,"type":38},"Plus, there’s the new coffee machine, ",{"text":506,"type":38,"marks":507},"office snacks",[508],{"type":146,"attrs":509},{"href":510,"uuid":41,"anchor":41,"target":41,"linktype":406},"https://snacknation.com/office-full-service-foodservice/",{"text":512,"type":38},", and sexy swag to show off at industry events.",{"type":34,"content":514},[515,519,521,523,527,529,533],{"type":240,"attrs":516},{"alt":517,"src":518,"title":41,"copyright":41},"OFFICE-PERKS-COMPANY-SCALE","https://get.spendesk.com/hubfs/OFFICE-PERKS-COMPANY-SCALE.jpeg",{"type":520},"hard_break",{"text":522,"type":38},"At this point, ",{"text":524,"type":38,"marks":525},"keeping the spend culture you had before is a recipe for disaster",[526],{"type":112},{"text":528,"type":38},". You no longer have everyone in the same ",{"text":530,"type":38,"marks":531},"country",[532],{"type":165},{"text":534,"type":38},", let alone the same room. Teams now have dedicated budgets, money is flying out the door, and you can’t afford to bog everyone down in paperwork.",{"type":34,"content":536},[537,539,543],{"text":538,"type":38},"This is where our old nemeses ",{"text":540,"type":38,"marks":541},"company credit cards and expense reports can really hurt",[542],{"type":112},{"text":183,"type":38},{"type":299,"content":545},[546,561],{"type":302,"content":547},[548],{"type":34,"content":549},[550,554,556,560],{"text":551,"type":38,"marks":552},"Company cards",[553],{"type":112},{"text":555,"type":38},": First, not everyone who needs to spend has access. This is a blocker right away. But credit cards are also notoriously hard to track, and you’ll find yourself wondering what all these payments are even ",{"text":557,"type":38,"marks":558},"for",[559],{"type":165},{"text":183,"type":38},{"type":302,"content":562},[563],{"type":34,"content":564},[565,569],{"text":566,"type":38,"marks":567},"Expense reports",[568],{"type":112},{"text":570,"type":38},": When you had to process 10 claims a month, it wasn’t a big deal. But you’re now looking at hundreds. Which means data entry and paper receipts, email reminders to all staff, and countless other nuisances that slow your finance team - and the whole company - down.",{"type":34,"content":572},[573],{"text":574,"type":38},"At the very least, each of these creates serious work for your finance team. Suddenly they’re dealing with hundreds of expense claims and countless untracked credit card payments.",{"type":34,"content":576},[577,579,583],{"text":578,"type":38},"This can make the financial close process a ",{"text":580,"type":38,"marks":581},"week-long",[582],{"type":165},{"text":584,"type":38}," affair. Reconciling messy spend chains your finance to their desks and ties your otherwise fast-moving sales and marketing teams down too.",{"type":34,"content":586},[587,589,593,605,609],{"text":588,"type":38},"Conversely, ",{"text":590,"type":38,"marks":591},"good spend management processes are one of the ",[592],{"type":112},{"text":594,"type":38,"marks":595},"best scaleup tools",[596,604],{"type":146,"attrs":597},{"href":598,"uuid":599,"anchor":41,"target":41,"linktype":150,"story":600},"scalable-processes","1111862e-a243-4419-8548-1f31dec0576a",{"name":601,"id":602,"uuid":599,"slug":598,"url":603,"full_slug":603,"_stopResolving":56},"Scalable processes: 7 golden rules for operational scalability",208785654,"blog/scalable-processes",{"type":112},{"text":606,"type":38,"marks":607}," available",[608],{"type":112},{"text":610,"type":38},". When you combine customisable expense cards with clever software, you eliminate most of your biggest headaches in one swoop.",{"type":34,"content":612},[613],{"text":614,"type":38},"In short, until now spend management was a luxury - “nice to have.” As the company really starts to accelerate growth, you can’t afford to be held back by poor spending processes.",{"type":120,"attrs":616,"content":617},{"level":290},[618],{"text":293,"type":38},{"type":34,"content":620},[621],{"text":622,"type":38},"High:",{"type":299,"content":624},[625,631,637,643],{"type":302,"content":626},[627],{"type":34,"content":628},[629],{"text":630,"type":38},"Company credit cards should be replaced with prepaid or debit expense cards",{"type":302,"content":632},[633],{"type":34,"content":634},[635],{"text":636,"type":38},"Online spending should be done via unique virtual cards",{"type":302,"content":638},[639],{"type":34,"content":640},[641],{"text":642,"type":38},"Approvals must be tracked",{"type":302,"content":644},[645],{"type":34,"content":646},[647],{"text":648,"type":38},"Receipts should be saved digitally",{"type":34,"content":650},[651,655,657,663],{"text":652,"type":38,"marks":653},"A final thought",[654],{"type":112},{"text":656,"type":38},": We’re going to look next at mature businesses and the large, complex tools many rely on. These tools - ",{"text":658,"type":38,"marks":659},"such as ERPs",[660],{"type":146,"attrs":661},{"href":662,"uuid":41,"anchor":41,"target":41,"linktype":406},"https://www.cfoconnect.eu/en/resources/meetup-recap/erp/",{"text":664,"type":38}," - can be downright vital for large companies.",{"type":34,"content":666},[667],{"text":668,"type":38},"The trouble is that they take months (if not years) to roll out effectively. This can’t be done on the fly, and it really shouldn’t be done when your biggest priority is fast growth. You want to remain agile and swift, and these tools are anything but.",{"type":120,"attrs":670,"content":671},{"level":224},[672],{"text":673,"type":38},"Mature companies: Sustainable, safe spending processes",{"type":34,"content":675},[676],{"type":240,"attrs":677},{"alt":678,"src":679,"title":41,"copyright":41},"COMPANY-SCALE-SPENDING","https://get.spendesk.com/hubfs/COMPANY-SCALE-SPENDING.jpeg",{"type":34,"content":681},[682,684,688],{"text":683,"type":38},"Here, we’re talking about businesses who’ve finished their big growth spurt and need to remain efficient long-term. You have shareholders to worry about, and ",{"text":685,"type":38,"marks":686},"the amount you spend on everything from travel to coffee pods now comes under scrutiny",[687],{"type":112},{"text":183,"type":38},{"type":34,"content":690},[691],{"text":692,"type":38},"At this stage, companies often do two things:",{"type":299,"content":694},[695,701],{"type":302,"content":696},[697],{"type":34,"content":698},[699],{"text":700,"type":38},"Invest in large, all-encompassing software to control company data",{"type":302,"content":702},[703],{"type":34,"content":704},[705],{"text":706,"type":38},"Become fixated on rules and regulations, and less worried about efficiency",{"type":34,"content":708},[709,711,715],{"text":710,"type":38},"In general, this doesn’t have to be bad. ",{"text":712,"type":38,"marks":713},"Some companies need ERPs, purchasing tools, and teams of accountants",[714],{"type":112},{"text":716,"type":38},". 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Especially when that tech actually protects them from major issues like fraud and helps them keep an eye on their team.",{"type":34,"content":722},[723],{"text":724,"type":38},"Consider life for most companies with an ERP in place:",{"type":299,"content":726},[727,744,756,766],{"type":302,"content":728},[729],{"type":34,"content":730},[731,733,737,742],{"text":732,"type":38},"They have ",{"text":734,"type":38,"marks":735},"great control over data in the ",[736],{"type":112},{"text":738,"type":38,"marks":739},"back-office",[740,741],{"type":112},{"type":165},{"text":743,"type":38}," (assuming the tool is well-run).",{"type":302,"content":745},[746],{"type":34,"content":747},[748,750,754],{"text":749,"type":38},"But ",{"text":751,"type":38,"marks":752},"individuals still rely on expense claims",[753],{"type":112},{"text":755,"type":38},", which the company itself has very little control over. You don’t know what’s been spent until an employee makes their claim weeks or months later.",{"type":302,"content":757},[758],{"type":34,"content":759},[760,764],{"text":761,"type":38,"marks":762},"Online payments are still made with company credit cards",[763],{"type":112},{"text":765,"type":38},", which again give you very little control. You rely on people asking for permission to make a payment, and managers and administrators keeping a close eye on spending.",{"type":302,"content":767},[768],{"type":34,"content":769},[770,774],{"text":771,"type":38,"marks":772},"Employees and managers (outside of finance) don’t use the ERP",[773],{"type":112},{"text":775,"type":38},", so they don’t have a clear idea of their own team’s spending either.",{"type":34,"content":777},[778],{"text":779,"type":38},"So if the goal is to be more financially rigorous and track spending closely, the ERP is only part of the solution. 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And most vitally, you need to move away from company cards and expense reports, and towards ",{"text":785,"type":38,"marks":786},"expense",[787],{"type":165},{"text":789,"type":38}," cards (more on this shortly).",{"type":34,"content":791},[792,794,798,799,803],{"text":793,"type":38},"These let you control spending before it happens, track it ",{"text":795,"type":38,"marks":796},"as",[797],{"type":165},{"text":485,"type":38},{"text":800,"type":38,"marks":801},"it happens",[802],{"type":165},{"text":804,"type":38},", and then have reliable, actionable data based on what was spent.",{"type":120,"attrs":806,"content":807},{"level":290},[808],{"text":293,"type":38},{"type":34,"content":810},[811],{"text":812,"type":38},"Integrated:",{"type":299,"content":814},[815,821,827],{"type":302,"content":816},[817],{"type":34,"content":818},[819],{"text":820,"type":38},"An ERP tool can still be your “one source of truth”",{"type":302,"content":822},[823],{"type":34,"content":824},[825],{"text":826,"type":38},"A spend management platform (and expense cards) works on the front lines and gives team members something simple and quick to use",{"type":302,"content":828},[829],{"type":34,"content":830},[831],{"text":832,"type":38},"Procurement and purchasing tools can also be used for supplier management",{"type":120,"attrs":834,"content":835},{"level":122},[836],{"text":837,"type":38},"Spend management for scaling companies",{"type":34,"content":839},[840],{"text":841,"type":38},"As is hopefully clear by now, good spend management involves two important elements:",{"type":843,"attrs":844,"content":847},"ordered_list",{"order":845,"key":846},1,"ol-0",[848,877],{"type":302,"content":849},[850],{"type":34,"content":851},[852,856,858,869,871,875],{"text":853,"type":38,"marks":854},"Smart payment methods that give employees access to company funds",[855],{"type":112},{"text":857,"type":38},". These can be physical prepaid or debit cards (also called expense cards), plus ",{"text":859,"type":38,"marks":860},"virtual cards for safer online spending",[861],{"type":146,"attrs":862},{"href":863,"uuid":864,"anchor":41,"target":41,"linktype":150,"story":865},"virtual-credit-card","597845a9-a51b-488b-be6a-8042b973da3d",{"name":866,"id":867,"uuid":864,"slug":863,"url":868,"full_slug":868,"_stopResolving":56},"What is a virtual credit card (VCC) or debit card?",208729742,"blog/virtual-credit-card",{"text":870,"type":38},". The point is: no more credit card sharing, and ",{"text":872,"type":38,"marks":873},"no expense reports",[874],{"type":165},{"text":876,"type":38},"!",{"type":302,"content":878},[879],{"type":34,"content":880},[881,885],{"text":882,"type":38,"marks":883},"Powerful but simple software to monitor spend as it happens",[884],{"type":112},{"text":886,"type":38},". 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Subscribe to our newsletter to stay informed.",[2563,2564],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2566],{"cta":2567,"_uid":2568,"items":2569,"heading":2694,"reverse":26,"component":1009,"sectionSettings":2715},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2570,2637],{"_uid":2571,"title":2572,"component":948,"description":2573},"dfc0accd-ab64-464a-8597-b76754748f04","What is spend management?",{"type":31,"content":2574},[2575,2579],{"type":34,"content":2576},[2577],{"text":2578,"type":38},"Business spending includes different types of spend:",{"type":843,"attrs":2580,"content":2582},{"order":2581},{"order":845},[2583,2594,2605],{"type":302,"content":2584},[2585],{"type":34,"content":2586},[2587,2591,2593],{"text":2588,"type":38,"marks":2589},"Strategic",[2590],{"type":112},{"text":2592,"type":38}," spend is usually centralized and managed by C-level executives with dedicated spenders. 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Spendesk centralizes spending visibility and enforces controls with employee debit and virtual cards, automated expense reports, receipt capture, and approval workflows, enabling finance teams to reduce manual reconciliation, assign correct VAT and GL codes, and close books faster.",{"_uid":3697,"title":2639,"component":948,"description":3698},"09dba180-d7ac-4caf-9baf-08a6b84e8e6b",{"type":31,"content":3699},[3700],{"type":34,"content":3701},[3702],{"text":3703,"type":38},"Spendesk provides a spend management platform that issues employee debit and virtual cards, automates expense reports, and routes approvals via mobile and web. Spendesk's receipt capture, real-time spend dashboards, and spending limits let finance teams monitor transactions live, enforce policy through pre-approvals, and reconcile expenses faster using automated exports to popular accounting tools.",{"_uid":3705,"title":3706,"component":948,"description":3707},"6ac95b4a-ad56-4013-be66-36397238bdd8","How does real-time spend tracking work in Spendesk?",{"type":31,"content":3708},[3709],{"type":34,"content":3710},[3711],{"text":3712,"type":38},"Spendesk tracks spend in real time by syncing card transactions, invoice payments, and expense claims into a single live feed. Spendesk's automatic transaction matching, mobile receipt capture, and configurable budget alerts update dashboards instantly so finance teams see current liabilities, prevent overspend, and speed up reconciliation with tagged transactions and automated exports to accounting systems.",{"_uid":3714,"title":3715,"component":948,"description":3716},"e0b0c1b5-c6ba-41cf-973e-9498dca8cd7f","Can Spendesk show company-wide spend in real time?",{"type":31,"content":3717},[3718],{"type":34,"content":3719},[3720],{"text":3721,"type":38},"Spendesk displays company-wide spend in real time through live dashboards, department filters, and consolidated transaction feeds. 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Implementing Spendesk reduces lost receipts, speeds approvals, and enforces budgeting rules across teams.",{"_uid":3816,"title":2639,"component":948,"description":3817},"3068e30a-f5e4-4c66-aaf7-a4fdaeabd492",{"type":31,"content":3818},[3819],{"type":34,"content":3820},[3821],{"text":3822,"type":38},"Spendesk provides card-based payments, approvals, and automated expense workflows to manage company spending. Employees use virtual or physical Spendesk debit cards and the mobile app to capture receipts and submit expenses; managers approve requests through pre-configured workflows; finance uses real-time dashboards, budget controls, and accounting integrations to reconcile spend and export compliant reports.",{"_uid":3824,"title":3825,"component":948,"description":3826},"5c7bb09e-f244-4dac-b1f1-e105c664d688","What CFO blogs and resources are on this page?",{"type":31,"content":3827},[3828],{"type":34,"content":3829},[3830],{"text":3831,"type":38},"This page lists 24 CFO blogs, resources, guides, and events curated by Spendesk. It includes leadership articles, finance automation guides, downloadable templates, webinars, and event listings that focus on budgeting, spend controls, and financial reporting. Each resource links to full content and practical how-to advice that CFOs can apply to improve controls and processes.",{"_uid":3833,"title":3834,"component":948,"description":3835},"639f884c-79d3-48bd-a772-11e42bc5b53a","Are the CFO resources on this page free to access?",{"type":31,"content":3836},[3837],{"type":34,"content":3838},[3839],{"text":3840,"type":38},"Most CFO resources on this page are free to access and downloadable directly; Spendesk provides articles, templates, and webinar recordings without a paid subscription. Some live events and premium workshops require registration or a fee, and Spendesk provides clear labels and sign-up links for any paid offerings.",{"_uid":3842,"title":3843,"component":948,"description":3844},"d8eb87f2-fe52-41b3-92c0-50073fe86f29","How can CFOs use Spendesk to improve financial reporting?",{"type":31,"content":3845},[3846],{"type":34,"content":3847},[3848],{"text":3849,"type":38},"Spendesk improves financial reporting by enforcing structured expense coding, automated VAT tagging, and one-click exports to major accounting systems. Spendesk captures receipts at purchase, links transactions to projects and budget codes, and syncs reconciled data via integrations, reducing manual reconciliation and producing timely, audit-ready reports for CFOs and controllers.",[3851],{"cta":3852,"_uid":3853,"title":3854,"eyebrow":3860,"subtitle":3863,"component":120,"textAlign":24,"sectionSettings":3866,"breakLineOnMobile":26,"subtitleLeftBorder":26,"customTitleFontSize":24},[],"6bb74e62-5faa-48c8-8ef0-971f5a155b98",{"type":31,"content":3855},[3856],{"type":120,"attrs":3857,"content":3858},{"level":122},[3859],{"text":1528,"type":38},{"type":31,"content":3861},[3862],{"type":34},{"type":31,"content":3864},[3865],{"type":34},[],[3868],{"_uid":3869,"hide":26,"theme":1013,"anchorId":24,"component":1014,"spacingTop":24,"hideOnDevices":3870,"spacingBottom":24,"floatingImages":3871,"variableOverrides":3872},"4e84c089-4677-4e35-a963-237c4bee7523",[],[],[],"cfo-blogs-resources","blog/cfo-blogs-resources",360,[],"3f2526e6-0992-4309-ae4e-4c51236cd29c","2023-09-01T06:39:41.897Z",[],[3881,3882,3883],{"path":3874,"name":41,"lang":51,"published":41},{"path":3874,"name":41,"lang":53,"published":41},{"path":3874,"name":41,"lang":55,"published":41},{"name":3885,"created_at":3886,"published_at":6,"updated_at":3887,"id":3888,"uuid":3889,"content":3890,"slug":3995,"full_slug":3996,"sort_by_date":41,"position":3875,"tag_list":3997,"is_startpage":26,"parent_id":1022,"meta_data":41,"group_id":3998,"first_published_at":3999,"release_id":41,"lang":47,"path":41,"alternates":4000,"default_full_slug":3996,"translated_slugs":4001},"The 10 most important tasks for a CFO when starting at a new company","2023-08-24T17:36:11.162Z","2026-03-12T10:47:58.013Z",359949903,"451a1513-01f4-4fb7-b068-c1a3cd7fcaf7",{"_uid":3891,"title":3892,"topics":3893,"noIndex":26,"category":3902,"language":3911,"_editable":3912,"component":915,"heroMedia":3913,"publishedAt":3922,"readingTime":3625,"redirectUrl":24,"listingImage":3923,"metaDescription":3930,"componentsAfterTheArticle":3931},"f1b747dd-90e5-48a1-8dab-a96efa65763e","The 10 most important tasks for a new CFO",[3894],{"name":59,"created_at":60,"published_at":6,"updated_at":61,"id":62,"uuid":63,"content":3895,"slug":67,"full_slug":68,"sort_by_date":41,"position":69,"tag_list":3896,"is_startpage":26,"parent_id":71,"meta_data":41,"group_id":72,"first_published_at":73,"release_id":41,"lang":47,"path":41,"alternates":3897,"default_full_slug":68,"translated_slugs":3898,"_stopResolving":56},{"_uid":65,"name":59,"component":66},[],[],[3899,3900,3901],{"path":68,"name":41,"lang":51,"published":41},{"path":68,"name":41,"lang":53,"published":41},{"path":68,"name":41,"lang":55,"published":41},{"name":903,"created_at":904,"published_at":6,"updated_at":905,"id":906,"uuid":907,"content":3903,"slug":915,"full_slug":916,"sort_by_date":41,"position":917,"tag_list":3905,"is_startpage":26,"parent_id":919,"meta_data":41,"group_id":920,"first_published_at":921,"release_id":41,"lang":47,"path":41,"alternates":3906,"default_full_slug":916,"translated_slugs":3907,"_stopResolving":56},{"_uid":909,"icon":3904,"name":903,"component":914},{"id":911,"alt":912,"name":24,"focus":24,"title":24,"filename":913,"copyright":24,"fieldtype":25,"is_external_url":26},[],[],[3908,3909,3910],{"path":916,"name":41,"lang":51,"published":41},{"path":916,"name":41,"lang":53,"published":41},{"path":916,"name":41,"lang":55,"published":41},[47],"\u003C!--#storyblok#{\"name\": \"article\", \"space\": \"146026\", \"uid\": \"f1b747dd-90e5-48a1-8dab-a96efa65763e\", \"id\": \"359949903\"}-->",[3914],{"_uid":3915,"type":24,"asset":3916,"shadow":26,"caption":24,"overlay":3920,"_editable":3921,"component":240},"909d49e1-f961-4138-b8b8-f947d71b367e",{"id":3917,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3918,"copyright":24,"fieldtype":25,"meta_data":3919,"is_external_url":26},10793270,"https://a.storyblok.com/f/146026/2380x1340/6ac965f9b5/blog-visual-193.png",{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"909d49e1-f961-4138-b8b8-f947d71b367e\", \"id\": \"359949903\"}-->","2024-04-26 12:00",[3924],{"_uid":3925,"type":24,"asset":3926,"shadow":26,"caption":24,"overlay":3928,"_editable":3929,"component":240},"6fea1da4-31c6-46cb-99c3-ff795d3a925d",{"id":3917,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3918,"copyright":24,"fieldtype":25,"meta_data":3927,"is_external_url":26},{},[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"6fea1da4-31c6-46cb-99c3-ff795d3a925d\", \"id\": \"359949903\"}-->","CFO tasks today are manifold. The digitalisation of work processes demands more agility, speed and vision. This is how you get off to the best start as a CFO today.",[3932],{"_uid":3933,"items":3934,"heading":3971,"reverse":26,"component":1009,"sectionSettings":3989},"71097f80-f1a1-4771-aa62-7f8dd1fd7ebe",[3935,3944,3953,3962],{"_uid":3936,"title":3937,"component":948,"description":3938},"94461b89-4100-48cb-9606-93168a20baa8","What daily tasks should a CFO prioritize to manage company spending effectively?",{"type":31,"content":3939},[3940],{"type":34,"content":3941},[3942],{"text":3943,"type":38},"Spendesk helps CFOs prioritize daily tasks by delivering real-time spend visibility, consolidated transaction feeds, and approval workflows that reduce manual reconciliation. Use Spendesk virtual and physical cards to control purchases, enforce spend policies at the card level, and review dashboard alerts to catch overspend, freeing time for strategic cash and vendor management.",{"_uid":3945,"title":3946,"component":948,"description":3947},"99c454eb-b889-401d-9873-3a6412915988","How can a CFO automate expense reporting for faster month-end close?",{"type":31,"content":3948},[3949],{"type":34,"content":3950},[3951],{"text":3952,"type":38},"Spendesk automates expense reporting by capturing receipts via mobile upload, auto-matching receipts to card transactions, and generating categorized expense reports ready for export. Spendesk approval workflows and ERP integrations (NetSuite, Xero, QuickBooks) eliminate manual spreadsheets and speed month-end close with reconciled transactions and policy-compliant records.",{"_uid":3954,"title":3955,"component":948,"description":3956},"4b23b8eb-9774-4273-973b-9815638af471","How does Spendesk improve budgeting and forecasting for finance teams?",{"type":31,"content":3957},[3958],{"type":34,"content":3959},[3960],{"text":3961,"type":38},"Spendesk improves budgeting and forecasting by offering real-time budget controls, spend allocation per project or department, and live dashboards that surface committed versus actual spend. Spendesk budget limits, pre-allocated cards, and exportable reports provide finance teams with accurate inputs for forecasts and quicker reforecasting when spending patterns change.",{"_uid":3963,"title":3964,"component":948,"description":3965},"c77b82cc-4abc-4ced-8650-5c83edd63bdd","How can Spendesk help CFOs simplify audits and maintain compliance?",{"type":31,"content":3966},[3967],{"type":34,"content":3968},[3969],{"text":3970,"type":38},"Spendesk simplifies audits and compliance by centralizing receipts, approvals, and transaction histories in a searchable audit trail with role-based access controls. 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