Start ups and Scale ups

Smart spend management for start-ups and scale-ups

Managing a rapidly growing business is exciting but it comes with unique challenges. Leaders need to find ways to maintain their growth, make quick decisions, and manage tight cash flow. Traditional spend management processes are too slow and admin heavy to support agile working. Soldo’s automated platform is ideal for start-ups and scale-ups, giving them the visibility, control, and flexibility they need to thrive.

Loved by Europe’s brightest businesses

Support growth and agile decision making

Running a new business in a fast-paced industry means making quick decisions. For many start-ups and scale-ups, cash flow is tight, so it’s essential that teams have the flexibility to spend when they need to or to cut budgets instantly. And growing businesses need a platform that can grow with them, so they can easily add new starters, expand departments, or branch out into new categories.

Soldo gives you an exact view of what individuals, teams, and departments are spending. This means you can quickly increase or decrease spending exactly where you need to. So, your teams can react to market trends, keep a close eye on every penny, and seek out the best ROI.

Organise your subscriptions

The average business has 60 subscriptions. Start-ups and scale-ups are likely to have more as they rely on web hosting, productivity suites, and online advertising. And if they’re managing a hybrid or remote workforce, there’s more risk of employees setting up duplicate subscriptions which wastes company money.

Soldo gives you one central view of spending. That means it’s easy to see and cancel duplicate or unnecessary subscriptions. Simply give each subscription a virtual card that draws from shared or dedicated funds so that more than one individual can manage the subscription. No more interruptions to vital services or campaigns when individuals change roles or leave your business.

Tackle marketing spend

Working for a new business usually means working in small teams. For marketing, it can also mean juggling different agencies and keeping track of different channels, stock content, printing and more with one central card. With everything on one card, it can be difficult to keep track of different budgets without adding hours of paperwork.

Remove confusion and messy admin and set up dedicated cards for each campaign or project with Soldo. Avoid overspending by setting up spend limits for each card or create auto top-ups to prevent low balances. Get a real-time view of every payment as it’s made and get an easy overview of all costs, so you can stay on top of spend, spot patterns, and find savings by platform.

Reduce manual admin

If you only have one or two people in your finance team, you can’t afford to have them wasting time with manual processes. Reconciling predicted and actual spend can tie them up for days without automation. They’re forced to chase up receipts, track down missing information, and transfer data between different systems. This wastes everyone’s time and leads to a frustrating office experience – not ideal when you’re a small, growing business.

With the Soldo app, employees take photos of their receipts and add spend data at the point of purchase. The platform assigns expenses to the right budget instantly, cutting manual admin. Soldo also syncs with your existing accounting software to save your employees days every month.

1.  Support growth and agile decision making

2.  Organise your subscriptions

3.  Tackle marketing spend

4.  Reduce manual admin

Company and employee cards

  • No more sharing credit cards issued to individuals
  • Assign physical or virtual Mastercard® cards to employees, clients, campaigns, or departments
  • Give access to shared or dedicated funds
  • Customise limits and rules to control costs

Employee expenses app

  • Forget paying out of pocket and sorting reimbursements
  • Manage spend and request funds on the go
  • Capture receipts, VAT and spend information in minutes

Management dashboard

  • See all your spending, expenses, and approvals in real time
  • Approve payments, set limits, and create spend controls
  • Sync Soldo with accounting software including Xero, QuickBooks, Sage, and NetSuite

“We need to have non-nominative cards, in multiple currencies, attached to powerful reporting that integrates with Sage. Soldo ticks all those boxes.”

Paraag Amin, DotDigital
Former CFO

“We manage the budgets of 7 top spenders in the digital field. Soldo was a real revolution for us, because it simplified everything instantly with a totally centralised, convenient and fast system.”

Angelo Di Veroli, Blackgeek Ltd

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Most asked questions

How does Soldo work?

With Soldo, you control all business spending and – thanks to the integration with your accounting system – you can reconcile expenses quickly and easily. You can equip some or all employees, entire teams, or even external collaborators with Mastercard® Soldo cards , deciding who has access to company money and the rules by which to spend it.

Find out more

Is Soldo a business bank account?

No. Soldo provides additional spend management features that work alongside your business bank account, instead of replacing it. You can use your Soldo cards to separate staff spending from your main company funds, as well as accessing powerful new features that aren’t available with a traditional business bank account.

How secure is Soldo? What guarantees do I have?

Soldo Financial Services Ltd is an electronic money institution, authorised and regulated by the Financial Conduct Authority (FCA): this means we have to follow strict compliance processes.  We don’t lend or take risks with customer money, we access it solely to execute the customer’s transactions. Client funds are always protected, as they are completely independent of Soldo’s business accounts and assets. The funds are safeguarded under UK Electronic Money Regulations 2011 and cannot be claimed by Soldo creditors.

Does Soldo integrate with my accounting system?

Yes, Soldo integrates with all major accounting systems. Soldo has the world’s most complete API connection to Xero, sending transactions daily via an automatic bank feed. Our seamless integrations with Xero, QuickBooks Online and NetSuite also make it easy to share enriched transaction data including receipts, categories, notes and much more – in just one click.

If you’re using another accounting platform – like Sage, FreeAgent or many others – Soldo makes it easy to export transaction data in a variety of formats, in two clicks. Transaction data can be exported in XLSX, CSV, QIF and OFX formats, making your data compatible with all major accounting software solutions.

What size company is Soldo suitable for?

Soldo isn’t just for small business, it’s for all business. Soldo scales from one card to any number, matching the structure of your organisation with wallets for departments or individuals, which fund cards for teams, employees or contractors.

Though our software is intuitive and easy to use, powerful reporting is made possible by smart filters and granular transaction data. So, whether your business has two employees or 20,000, Soldo can help you gain visibility and control over spending, while simplifying expenses and helping you gain the advantages of financial planning in your business.

What if I want to leave Soldo?

We’re sure you’ll be happy with our service, joining thousands of satisfied businesses. But if you ever want to leave, you can close your Soldo account at any time and all the funds available on your account will be transferred back to the account from which they were initially deposited.