For Small Business

Spend management built
for small business.

You don't need a finance team to control your spending. Smart cards with built-in controls, automated compliance, and audit-ready receipts — set up in minutes, free to start.

The math speaks for itself

Manual Finance Ops

Bookkeeper$55,000/yr
AP/AR Specialist$50,000/yr
Compliance Officer$120,000/yr
Corporate Card Fees$5,000/yr
Total$230,000/yr

Agent Financial

Unlimited Smart CardsFree
Spending ControlsFree
Compliance ScreeningFree
Audit-Ready ReceiptsFree
Free plan$0/mo (forever)

Enterprise-grade spend management — free to start, with no per-card fees.

Built for the way your business actually works

You don't know where the money goes

See every dollar, in real time

Smart cards with built-in controls mean every purchase is tracked, categorized, and visible the moment it happens. No more surprise charges.

Expense reports eat your weekends

Receipts generate themselves

Every transaction automatically generates an audit-ready receipt. No chasing employees. No lost paperwork. Compliance built in from day one.

Vendor payments are a mess

One dashboard for every payment

Track vendor spend, set approval workflows, and catch overcharges automatically. Your team spends less time on AP and more time on the business.

You can't afford a finance team

Automated workflows do the heavy lifting

Spending controls, compliance screening, and anomaly detection run automatically. You get enterprise-grade financial controls without enterprise-grade headcount.

Set it up once. It runs every week.

Automated workflows handle the routine. You just approve what matters.

Purchasing

  1. 1Issue cards with per-employee spending limits
  2. 2Transactions screened and categorized automatically
  3. 3Overcharges and anomalies held for review
  4. 4Receipts generated and stored — audit-ready

5 min/week of your time

Expense Management

  1. 1Every card transaction captured in real time
  2. 2Spending categorized by vendor, team, and project
  3. 3Weekly spend reports delivered to your inbox
  4. 4Anomalies surfaced before they become problems

0 min/week of your time

Vendor Payments

  1. 1Track all vendor spend in one dashboard
  2. 2Set approval workflows for large purchases
  3. 3Duplicate and overcharge detection built in
  4. 4Compliance screening on every vendor payment

0 min/week of your time

Your industry, your controls

Different businesses have different spending needs. Here's how small businesses in each category use Agent Financial.

Professional Services

Law firms, accounting, consulting. Control client-related spending and generate audit-ready compliance records.

Key features

Smart Cards, Compliance Screening, Receipts

Local Retail & E-Commerce

Track inventory purchases, vendor payments, and employee spending across locations.

Key features

Spending Controls, Vendor Payments, Dashboard

Agencies & Studios

Issue project-specific cards. Track spending by client. Keep creative budgets on track.

Key features

Smart Cards, Analytics, Expense Management

Healthcare Practices

Compliant vendor payments, supply purchasing controls, and audit-ready financial records for clinics.

Key features

Compliance Screening, Receipts, Spending Controls

Real Estate

Property-level spending controls, vendor payment tracking, and automated expense categorization across your portfolio.

Key features

Smart Cards, Vendor Payments, Analytics

Restaurants & Hospitality

Control food and supply costs, track vendor payments, and manage employee purchasing limits.

Key features

Spending Controls, Vendor Payments, Dashboard

See every dollar. Control every transaction.

Free to start. No credit card required. Set up in minutes, not months.