[{"data":1,"prerenderedAt":2685},["ShallowReactive",2],{"en-blog/inventory-financing-for-startups":3,"en-global-content":853,"en-article-global-content":2079,"en-blog-article-more-articles-208800730":2341},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":708,"full_slug":710,"sort_by_date":44,"position":843,"tag_list":844,"is_startpage":27,"parent_id":845,"meta_data":44,"group_id":846,"first_published_at":847,"release_id":44,"lang":63,"path":44,"alternates":848,"default_full_slug":710,"translated_slugs":849},"Inventory financing for startups: how to grow with debt funding","2022-10-24T16:50:15.177Z","2026-09-29T09:18:16.358Z","2026-09-29T09:18:16.381Z",208800730,"e0942e5a-21b2-49ab-95ef-020d7067714f",{"_uid":11,"roles":12,"title":4,"author":13,"topics":73,"content":104,"category":736,"language":761,"component":749,"heroMedia":764,"sidebarCta":770,"publishedAt":771,"readingTime":772,"redirectUrl":25,"listingImage":773,"metaDescription":774,"componentsAfterTheArticle":775},"b762979c-e65c-41e1-89a6-365df07d5e94",[],{"name":14,"created_at":15,"published_at":16,"updated_at":17,"id":18,"uuid":19,"content":20,"slug":56,"full_slug":57,"sort_by_date":44,"position":58,"tag_list":59,"is_startpage":27,"parent_id":60,"meta_data":44,"group_id":61,"first_published_at":62,"release_id":44,"lang":63,"path":44,"alternates":64,"default_full_slug":57,"translated_slugs":65,"_stopResolving":72},"Thomas Antonioli","2022-10-19T17:37:56.016Z","2026-03-12T10:47:18.012Z","2026-03-12T10:47:21.110Z",206165112,"dec10c75-8701-41c7-aa30-5719d9aebc8d",{"_uid":21,"name":14,"links":22,"picture":23,"lastName":28,"component":29,"firstName":30,"description":31},"d5ae7318-76af-49a3-b4e9-e47cf0f60e6e",[],{"alt":24,"name":25,"focus":25,"title":25,"filename":24,"copyright":25,"fieldtype":26,"is_external_url":27},"https://a.storyblok.com/f/146026/433x433/8a3c5e2069/thomas-antonioli-cropped.png","","asset",false,"Antonioli","author","Thomas",{"type":32,"content":33},"doc",[34],{"type":35,"content":36},"paragraph",[37,46,48,54],{"text":14,"type":38,"marks":39},"text",[40],{"type":41,"attrs":42},"link",{"href":43,"uuid":44,"anchor":44,"target":44,"linktype":45},"https://www.linkedin.com/in/thomasantonioli/",null,"url",{"text":47,"type":38}," Thomas Antonioli is CFO of ",{"text":49,"type":38,"marks":50},"Grover",[51],{"type":41,"attrs":52},{"href":53,"uuid":44,"anchor":44,"target":44,"linktype":45},"https://www.grover.com/",{"text":55,"type":38},", a technology company that makes electronic goods accessible and affordable for everyone. With a background in banking and an MBA from INSEAD in Paris, Thomas has helped grow several startups to more than €300 million in funding, and has built successful, high-functioning finance teams.","thomas-antonioli","blog/author/thomas-antonioli",-480,[],176408854,"b0d98c21-a97f-4bc2-b3f6-2e545cebc8b7","2022-11-02T15:25:57.536Z","default",[],[66,68,70],{"path":57,"name":44,"lang":67,"published":44},"fr",{"path":57,"name":44,"lang":69,"published":44},"de",{"path":57,"name":44,"lang":71,"published":44},"es",true,[74],{"name":75,"created_at":76,"published_at":77,"updated_at":78,"id":79,"uuid":80,"content":81,"slug":92,"full_slug":93,"sort_by_date":44,"position":94,"tag_list":95,"is_startpage":27,"parent_id":96,"meta_data":44,"group_id":97,"first_published_at":98,"release_id":44,"lang":63,"path":44,"alternates":99,"default_full_slug":93,"translated_slugs":100,"_stopResolving":72},"Finance strategy","2022-10-19T17:57:50.961Z","2026-09-29T09:13:54.941Z","2026-09-29T09:13:54.957Z",206171406,"4c34e454-8993-474f-a2d1-5c1f6a260e14",{"seo":82,"_uid":90,"name":75,"component":91},[83],{"_uid":84,"noIndex":27,"component":85,"metaFields":86},"a850324e-c837-4a13-8f8f-4fbe4fd15397","seo",{"_uid":87,"plugin":88,"description":89},"e114f30f-fa13-4ca9-8e17-57f0f612f8ec","meta-fields","Long-term thinking on finance strategy: budgeting, forecasting, and the frameworks finance leaders use to plan for growth.","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",[],[101,102,103],{"path":93,"name":44,"lang":67,"published":44},{"path":93,"name":44,"lang":69,"published":44},{"path":93,"name":44,"lang":71,"published":44},{"type":32,"content":105},[106,145,149,160,164,168,179,186,196,200,210,219,229,233,237,247,256,260,264,269,276,288,297,301,311,315,319,328,338,342,347,371,384,401,405,409,415,419,427,437,442,446,455,459,463,480,495,499,503,508,512,516,541,545,561,565,574,578,582,587,591,595,599,603,607,612,621,625,635,639,644,711,715,729],{"type":35,"content":107},[108,113,120,124,130,134,141],{"text":109,"type":38,"marks":110},"This startup financing series is a collaboration between Spendesk and ",[111],{"type":112},"italic",{"text":114,"type":38,"marks":115},"CFO",[116,119],{"type":41,"attrs":117},{"href":118,"uuid":44,"anchor":44,"target":44,"linktype":45},"https://www.cfoconnect.eu/?__hstc=41219197.a1c54d639f58537d9ddca8d1a676f0b4.1566379362902.1597220869217.1597226374055.560&__hssc=41219197.1.1597226374055&__hsfp=2269833508",{"type":112},{"text":121,"type":38,"marks":122}," ",[123],{"type":112},{"text":125,"type":38,"marks":126},"Connect",[127,129],{"type":41,"attrs":128},{"href":118,"uuid":44,"anchor":44,"target":44,"linktype":45},{"type":112},{"text":131,"type":38,"marks":132},". ",[133],{"type":112},{"text":135,"type":38,"marks":136},"Join this leading finance community here",[137,140],{"type":41,"attrs":138},{"href":139,"uuid":44,"anchor":44,"target":44,"linktype":45},"https://www.spendesk.com/cfo-network/",{"type":112},{"text":142,"type":38,"marks":143},".",[144],{"type":112},{"type":35,"content":146},[147],{"text":148,"type":38},"Our model is pretty much completely new for consumer electronics, even if inventory financing has been around for decadecls. So I’m delighted to have been asked to provide this explanation and exploration of the finer points of inventory financing and to share how it works for Grover.",{"type":35,"content":150},[151,153,158],{"text":152,"type":38},"In my time as CFO of Grover, ",{"text":154,"type":38,"marks":155},"I’ve been able to use this tool to raise €270 million in funding",[156],{"type":157},"bold",{"text":159,"type":38},", enabling the company to scale in a very equity-efficient manner.",{"type":35,"content":161},[162],{"text":163,"type":38},"In this article, I’ll explain how inventory financing works, what type of business models benefit from it, and why you should consider financing your business this way.",{"type":35,"content":165},[166],{"text":167,"type":38},"Let’s begin with more about Grover, and how I found my way here.",{"type":35,"content":169},[170],{"type":171,"attrs":172},"blok",{"id":173,"body":174},"6fe175be-f2de-4786-a70b-153d457895db",[175],{"_uid":176,"html":177,"component":178},"4b567211-8434-46cb-bac1-924e4b72fb0e","\u003C!--HubSpot Call-to-Action Code -->\u003Cspan class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-0ca0e675-6ea2-47ac-8e17-fa549d93f654\">\u003Cspan class=\"hs-cta-node hs-cta-0ca0e675-6ea2-47ac-8e17-fa549d93f654\" id=\"hs-cta-0ca0e675-6ea2-47ac-8e17-fa549d93f654\">\u003C!--[if lte IE 8]>\u003Cdiv id=\"hs-cta-ie-element\">\u003C/div>\u003C![endif]-->\u003Ca href=\"https://cta-redirect.hubspot.com/cta/redirect/2694209/0ca0e675-6ea2-47ac-8e17-fa549d93f654\" >\u003Cimg class=\"hs-cta-img\" id=\"hs-cta-img-0ca0e675-6ea2-47ac-8e17-fa549d93f654\" style=\"border-width:0px;\" height=\"364\" width=\"1282\" src=\"https://no-cache.hubspot.com/cta/default/2694209/0ca0e675-6ea2-47ac-8e17-fa549d93f654.png\"  alt=\"CFO Connect - community - finance leaders - Spendesk\"/>\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, '0ca0e675-6ea2-47ac-8e17-fa549d93f654', {\"useNewLoader\":\"true\",\"region\":\"na1\"}); \u003C/script>\u003C/span>\u003C!-- end HubSpot Call-to-Action Code -->","embed",{"type":180,"attrs":181,"content":183},"heading",{"level":182},2,[184],{"text":185,"type":38},"About myself and Grover",{"type":35,"content":187},[188,190,194],{"text":189,"type":38},"I have a banking background: I worked in London for five years, doing investment banking. I worked on things like structured finance and mergers and acquisitions. Over time ",{"text":191,"type":38,"marks":192},"I grew more excited about building companies myself rather than analyzing other companies",[193],{"type":157},{"text":195,"type":38},", and, after finishing my MBA at INSEAD, made the move into the startup world.",{"type":35,"content":197},[198],{"text":199,"type":38},"I joined a Fintech startup in Hamburg where we also used asset-backed debt and stayed there for 3 years, helping raise more than €300 million in equity and debt from investors like Paypal founder Peter Thiel, the IFC and Naspers. In 2017, I was introduced by a friend to Michael Cassau, founder of Grover.",{"type":35,"content":201},[202,208],{"type":203,"attrs":204},"image",{"id":44,"alt":205,"src":206,"title":44,"source":44,"copyright":44,"meta_data":207},"thomas-antonioli-Michael-Cassau","https://get.spendesk.com/hubfs/thomas-antonioli-Michael-Cassau.jpeg",{},{"text":209,"type":38},"Image: Thomas Antonioli (left) and Michael Cassau.",{"type":35,"content":211},[212,217],{"text":49,"type":38,"marks":213},[214],{"type":41,"attrs":215},{"href":216,"uuid":44,"anchor":44,"target":44,"linktype":45},"https://www.grover.com/de-en/",{"text":218,"type":38}," is an affordable and sustainable form of access to the latest tech products — the products that people use to be more productive, more connected, and have fun. We offer a simple monthly subscription for the best in tech.",{"type":35,"content":220},[221,223,227],{"text":222,"type":38},"On Grover.com, ",{"text":224,"type":38,"marks":225},"you can rent everything from smartphones to laptops, to tablets and drones, to gaming and VR equipment for your business or yourself",[226],{"type":157},{"text":228,"type":38},". And it’s a completely seamless, frictionless, worry-free process.",{"type":35,"content":230},[231],{"text":232,"type":38},"There's also insurance bundled into the service. So you never have to worry about breaking your device. We're also starting to work directly with the major consumer electronics brands to offer subscriptions for their devices, which is a very big, important topic, considering how wasteful the consumer electronics industry is currently set up to be.",{"type":35,"content":234},[235],{"text":236,"type":38},"Globally, 52 million tons (that’s the weight of 350 Queen Elizabeth II cruise ships) worth of toxic e-waste are generated each year. With Grover’s model of refurbishing and recirculating devices, that amount can be brought down significantly.",{"type":35,"content":238},[239,241,245],{"text":240,"type":38},"I immediately fell in love with the idea of providing cool tech products to people in a more sustainable and more affordable way. And since then ",{"text":242,"type":38,"marks":243},"I’ve been fortunate enough to grow the company with a very international, dedicated and smart team",[244],{"type":157},{"text":246,"type":38},". We have roughly 120 employees, including around 15 in the Finance Team.",{"type":35,"content":248},[249,254],{"type":203,"attrs":250},{"id":44,"alt":251,"src":252,"title":44,"source":44,"copyright":44,"meta_data":253},"Grover_Office","https://get.spendesk.com/hubfs/Grover_Office.jpeg",{},{"text":255,"type":38},"Image: Grover offices.",{"type":35,"content":257},[258],{"text":259,"type":38},"We've now raised just over €300 million in equity and debt capital.",{"type":35,"content":261},[262],{"text":263,"type":38},"By nature of my role as CFO and the company’s business model, my focus is often on the fundraising side – both debt and equity. We buy the assets that we rent out to our customers, so we have them on our own balance sheet, or in a special purpose vehicle.",{"type":180,"attrs":265,"content":266},{"level":182},[267],{"text":268,"type":38},"How inventory financing works for Grover",{"type":35,"content":270},[271,275],{"text":272,"type":38,"marks":273},"We can only grow if we have sufficient debt capital",[274],{"type":157},{"text":142,"type":38},{"type":35,"content":277},[278,280,286],{"text":279,"type":38},"As a startup, cash is always restricted. You’d love to ",{"text":281,"type":38,"marks":282},"take a bank loan",[283],{"type":41,"attrs":284},{"href":285,"uuid":44,"anchor":44,"target":44,"linktype":45},"https://blog.lendingclub.com/how-to-take-out-a-loan/",{"text":287,"type":38}," to ease the pressure, but banks are always a little hesitant because you’re not profitable and don’t have an established credit history.",{"type":35,"content":289},[290,292,296],{"text":291,"type":38},"Inventory financing makes it possible for early-stage startups to take on relatively large quantities of debt before they turn profitable. You simply ",{"text":293,"type":38,"marks":294},"borrow money against the value of your inventory, almost like a mortgage",[295],{"type":157},{"text":142,"type":38},{"type":35,"content":298},[299],{"text":300,"type":38},"In our case, we have special-purpose vehicles which belong to the Grover Group. They’re essentially separate legal entities which let us borrow from lenders against the residual value of the devices. This keeps the company protected if lenders come calling, and it also keeps things like profits with the company.",{"type":35,"content":302},[303,305,309],{"text":304,"type":38},"Here’s a simplified example: ",{"text":306,"type":38,"marks":307},"We buy an iPhone for €100, and the bank will say \"we’ll give you €85 of loan against that.",[308],{"type":157},{"text":310,"type":38},"\"",{"type":35,"content":312},[313],{"text":314,"type":38},"Over time, we depreciate the asset and repay the loan from the rentals. We have something similar to a Bloomberg terminal for resale values, so we know exactly what a specific model in a specific condition will be worth if we sold it today. And then every month, we revalue our portfolio.",{"type":35,"content":316},[317],{"text":318,"type":38},"The average rental period is around nine to 10 months. And every time one subscriber is done with their device, we refurbish it, repair it (if necessary), and then send it to the next subscriber.",{"type":35,"content":320},[321,326],{"type":203,"attrs":322},{"id":44,"alt":323,"src":324,"title":44,"source":44,"copyright":44,"meta_data":325},"Grover_Unboxing","https://get.spendesk.com/hubfs/Grover_Unboxing.jpeg",{},{"text":327,"type":38},"Image: Grover unboxing.",{"type":35,"content":329},[330,332,336],{"text":331,"type":38},"That’s a positive effect we’re very proud of. At the end of the usage cycle, our devices don't have the same fate as many of the tech products that people buy in the traditional, linear fashion, which just end up in a drawer somewhere and then go to a landfill, or ",{"text":333,"type":38,"marks":334},"maybe",[335],{"type":112},{"text":337,"type":38}," get recycled.",{"type":35,"content":339},[340],{"text":341,"type":38},"Once we can’t rent products to subscribers anymore, we give them a new lease of life by selling them in the secondary market.",{"type":180,"attrs":343,"content":344},{"level":182},[345],{"text":346,"type":38},"Inventory vs asset-based financing",{"type":35,"content":348},[349,351,363,365,369],{"text":350,"type":38},"If you’ve read Veronika’s earlier article on ",{"text":352,"type":38,"marks":353},"asset-based financing",[354],{"type":41,"attrs":355},{"href":356,"uuid":357,"anchor":44,"target":44,"linktype":358,"story":359},"asset-based-financing","c51c3531-c4dd-4a9f-8486-9633bf40017d","story",{"name":360,"id":361,"uuid":357,"slug":356,"url":362,"full_slug":362,"_stopResolving":72},"How asset-based financing works for growing businesses",208799257,"blog/asset-based-financing",{"text":364,"type":38},", you’re probably noticing some similarities. And to be honest, the process I just described is ",{"text":366,"type":38,"marks":367},"not “pure” inventory financing as some would define it",[368],{"type":157},{"text":370,"type":38}," — it’s somewhere between asset-based and inventory.",{"type":35,"content":372},[373,378,382],{"text":374,"type":38,"marks":375},"Classical",[376,377],{"type":157},{"type":112},{"text":379,"type":38,"marks":380}," inventory financing uses items you’re intending to sell",[381],{"type":157},{"text":383,"type":38}," — that’s what we normally think of as inventory. For example, a company like Zalando might have a warehouse full of sweaters they intend to sell in December. The value of these is very clear, and the bank will lend against these.",{"type":35,"content":385},[386,388,399],{"text":387,"type":38},"In his ",{"text":389,"type":38,"marks":390},"introduction to startup financing",[391],{"type":41,"attrs":392},{"href":393,"uuid":394,"anchor":44,"target":44,"linktype":358,"story":395},"beyond-equity-startup-financing-instruments","56e95043-8049-45fd-bde8-ba6ecedb5ee5",{"name":396,"id":397,"uuid":394,"slug":393,"url":398,"full_slug":398,"_stopResolving":72},"Beyond equity: the full range of startup financing instruments",208799028,"blog/beyond-equity-startup-financing-instruments",{"text":400,"type":38},", Julius gave the example of a car dealership. They’re not renting cars, they’re selling them. So the expected value is more clear than for a company like Cluno, which offers cars as a subscription.",{"type":35,"content":402},[403],{"text":404,"type":38},"We do something similar to what Cluno does because we rent out electronics. So we can’t keep them on our balance sheets at the same value as they had when they were new. They do get sold eventually, but their sale value isn’t what the bank lends against.",{"type":35,"content":406},[407],{"text":408,"type":38},"So our model is probably closer to asset-based financing, but with some clear similarities to the inventory model.",{"type":180,"attrs":410,"content":412},{"level":411},3,[413],{"text":414,"type":38},"Electronics vs automobiles",{"type":35,"content":416},[417],{"text":418,"type":38},"Compared with Cluno in the automobile market, consumer electronics is very new. Car leasing has been established for decades. There's an official list price for each model.",{"type":35,"content":420},[421,425],{"text":422,"type":38,"marks":423},"We needed to do a lot of convincing with our lenders",[424],{"type":157},{"text":426,"type":38}," to get them to accept that these consumer electronics products are actually worth something. With one of the banks, we went all the way through the process — six months of negotiations.",{"type":35,"content":428},[429,431,435],{"text":430,"type":38},"We got down to a final credit committee, and one of the board members said, \"I don't think an iPhone is worth anything after three years.\" Which is obviously not true. If you go to eBay, you see that these things are actually worth quite a lot. But ",{"text":432,"type":38,"marks":433},"it's a notion that requires a little bit of building",[434],{"type":157},{"text":436,"type":38},", like doing missionary work.”",{"type":180,"attrs":438,"content":439},{"level":182},[440],{"text":441,"type":38},"Key advantages of inventory financing",{"type":35,"content":443},[444],{"text":445,"type":38},"For us, the clearest benefit is that we don't need to fund our electronics with equity. VCs are hoping for a return of something like 20% per year. But they also know that we’re going to struggle to show a 20% return on buying a laptop. So frankly, they’re pretty unlikely to invest at all under this business model.",{"type":35,"content":447},[448,450,454],{"text":449,"type":38},"And if they did, ",{"text":451,"type":38,"marks":452},"it would be at a hugely dilutive rate",[453],{"type":157},{"text":142,"type":38},{"type":35,"content":456},[457],{"text":458,"type":38},"Instead, inventory-based loans let us reduce our equity funding by 85-90%. Instead, we reserve equity for growth. That money goes towards processes, people, and marketing strategies, as it does for most startups.",{"type":35,"content":460},[461],{"text":462,"type":38},"Meanwhile, our biggest cost — the electronics — is covered by debt funding.",{"type":35,"content":464},[465,467,478],{"text":466,"type":38},"Of course, there are other debt instruments available. For example, ",{"text":468,"type":38,"marks":469},"venture debt",[470],{"type":41,"attrs":471},{"href":472,"uuid":473,"anchor":44,"target":44,"linktype":358,"story":474},"what-is-venture-debt","6ad8556c-96d1-4cdf-9c46-fcdd677b877e",{"name":475,"id":476,"uuid":473,"slug":472,"url":477,"full_slug":477,"_stopResolving":72},"What is venture debt? A complementary alternative to venture capital",208799259,"blog/what-is-venture-debt",{"text":479,"type":38}," is regularly used by startups that aren’t yet profitable. But venture debt usually costs somewhere between 10-12% interest per annum.",{"type":35,"content":481},[482,484,488,490,494],{"text":483,"type":38},"With our model, ",{"text":485,"type":38,"marks":486},"we can give banks the first rank in security over our assets",[487],{"type":157},{"text":489,"type":38},", which is obviously an advantage for them. As a result, they charge a lower price. It can be as low as 2-3%, or even lower if you're a more established company. But even for a startup, ",{"text":491,"type":38,"marks":492},"it can be somewhere around 4-5% interest",[493],{"type":157},{"text":142,"type":38},{"type":35,"content":496},[497],{"text":498,"type":38},"And finally, once you’re all set up and running, the banks are often happy to increase financing as you go. Or even bring in another party to the same transaction.",{"type":35,"content":500},[501],{"text":502,"type":38},"So even though it’s tough to get started (as I’ll explain next), it’s quite simple once you have the first loans in place.",{"type":180,"attrs":504,"content":505},{"level":182},[506],{"text":507,"type":38},"What makes inventory financing tricky",{"type":35,"content":509},[510],{"text":511,"type":38},"At this point, a lot of people ask me, “why doesn’t everybody do it?” Once I explain it in detail, I’ll usually get something like, \"my God! This is so complicated. How can anybody make it work?\"",{"type":35,"content":513},[514],{"text":515,"type":38},"The truth is, you learn as you go, and after five years, we’re very comfortable with it. But there are quite a few things that you can get wrong if you don't pay attention.",{"type":35,"content":517},[518,520,524,526,539],{"text":519,"type":38},"The first disadvantage is that first you need to set up a specific legal structure – these SPVs. That means ",{"text":521,"type":38,"marks":522},"a lot of legal documentation",[523],{"type":157},{"text":525,"type":38},". You have operational and financial covenants. You also need to maintain a certain loan- to- value ratio on that. And then you may have further agreements, maybe related to your ",{"text":527,"type":38,"marks":528},"cash runway",[529],{"type":41,"attrs":530},{"href":531,"uuid":532,"anchor":44,"target":533,"linktype":358,"story":534},"/glossary/cash-runway","2e635e36-52bf-4a97-b738-ac376c07c619","_self",{"name":535,"id":536,"uuid":532,"slug":537,"url":538,"full_slug":538,"_stopResolving":72},"Cash-runway",297070587,"cash-runway","glossary/cash-runway",{"text":540,"type":38},", your profitability, and more.",{"type":35,"content":542},[543],{"text":544,"type":38},"From an administrative perspective, these things are difficult. But you’re also agreeing to things that can have a significant legal impact. If you breach a covenant, in the worst case the lender can call in their debts, which then usually has a domino effect of pushing the company into insolvency.",{"type":35,"content":546},[547,549,553,555,559],{"text":548,"type":38},"Because ",{"text":550,"type":38,"marks":551},"if you have a",[552],{"type":157},{"text":554,"type":38}," ",{"text":556,"type":38,"marks":557},"€****100 million facility as a startup, you're not going to be able to repay it from one year to the next",[558],{"type":157},{"text":560,"type":38},". So you really need to be careful.",{"type":35,"content":562},[563],{"text":564,"type":38},"You also need to pick the right partner. Unexpected things happen to startups, and you need to have a partner that’s generally open, flexible and constructive in reacting to such situations.",{"type":35,"content":566},[567,569,573],{"text":568,"type":38},"Another aspect is that you need to have well-structured operational and reporting processes, because these inventory finance facilities are intense on the reporting side. And ",{"text":570,"type":38,"marks":571},"they also require you to commit to certain operational process",[572],{"type":157},{"text":142,"type":38},{"type":35,"content":575},[576],{"text":577,"type":38},"Your credit underwriting, for example. When you enter this type of facility, the lender will review and approve your underwriting policy. And then afterwards, you may only be able to change that within a certain range without having it approved by the lender. They'll want to make sure that you don’t change your approach once it’s not your money you’re spending.",{"type":35,"content":579},[580],{"text":581,"type":38},"And lastly, all of this requires experienced people who know how to set it all up in a way that works for you. Because you can get quite a few things wrong, unknowingly, and suddenly you're there with something in your contract that is very counterproductive. You definitely need a good legal advisor.",{"type":180,"attrs":583,"content":584},{"level":182},[585],{"text":586,"type":38},"Which startups should consider inventory financing?",{"type":35,"content":588},[589],{"text":590,"type":38},"In theory, this model works for any asset- or inventory-heavy company. I mentioned Zalando above, because obviously the model suits e-commerce companies that hold the inventory themselves (rather than simply on-selling).",{"type":35,"content":592},[593],{"text":594,"type":38},"Wholesale inventory financing is another one of the most common examples – retail companies moving large amounts of products.",{"type":35,"content":596},[597],{"text":598,"type":38},"In the e-mobility space, all the e-scooter, e-bike, and car subscription startups will use some version of this model. They all require large amounts of capital and also have to keep their fees as low as possible if they want to continuously grow their subscriber numbers.",{"type":35,"content":600},[601],{"text":602,"type":38},"Further examples are companies like Dr Smile or Invisalign. Their machines cost something like €100,000 each. Again, that would be closer to asset-based financing, unless they plan to sell them somewhere down the line.",{"type":35,"content":604},[605],{"text":606,"type":38},"Essentially, any company dealing with lots of machinery or inventory has the potential to raise funds this way.",{"type":180,"attrs":608,"content":609},{"level":182},[610],{"text":611,"type":38},"The perfect option for a certain breed of startup",{"type":35,"content":613},[614,616,620],{"text":615,"type":38},"As we’ve seen, inventory financing provides a great opportunity for startups who need high amounts of relatively cheap funding. Instead of asking for massive amounts of equity funds just to buy the assets you need, you can ",{"text":617,"type":38,"marks":618},"get your company off the ground with non-dilutive loans at great interest rates",[619],{"type":157},{"text":142,"type":38},{"type":35,"content":622},[623],{"text":624,"type":38},"Of course, the trade-off is that you need to know what you’re doing. Experience and good legal help will always be worth the investment.",{"type":35,"content":626},[627,629,633],{"text":628,"type":38},"But once you’ve got the right set-up and are confident with it, ",{"text":630,"type":38,"marks":631},"you also have the potential for rolling credit whenever you need it",[632],{"type":157},{"text":634,"type":38},". And compared to going on the usual startup fundraising roadshow every 18 months, that’s a huge relief.",{"type":35,"content":636},[637],{"text":638,"type":38},"If you’re an e-commerce company or plan to join the sharing economy, I highly recommend checking out if inventory financing might be the option for you.",{"type":180,"attrs":640,"content":641},{"level":182},[642],{"text":643,"type":38},"Read more on startup financing",{"type":645,"content":646},"bullet_list",[647,657,666,675,685,699],{"type":648,"content":649},"list_item",[650],{"type":35,"content":651},[652],{"text":396,"type":38,"marks":653},[654],{"type":41,"attrs":655},{"href":656,"uuid":44,"anchor":44,"target":44,"linktype":45},"https://blog.spendesk.com/en/beyond-equity-startup-financing-instruments",{"type":648,"content":658},[659],{"type":35,"content":660},[661],{"text":360,"type":38,"marks":662},[663],{"type":41,"attrs":664},{"href":665,"uuid":44,"anchor":44,"target":44,"linktype":45},"https://blog.spendesk.com/en/asset-based-financing",{"type":648,"content":667},[668],{"type":35,"content":669},[670],{"text":475,"type":38,"marks":671},[672],{"type":41,"attrs":673},{"href":674,"uuid":44,"anchor":44,"target":44,"linktype":45},"https://blog.spendesk.com/en/what-is-venture-debt",{"type":648,"content":676},[677],{"type":35,"content":678},[679],{"text":680,"type":38,"marks":681},"How revenue-based financing supports sustainable startup growth",[682],{"type":41,"attrs":683},{"href":684,"uuid":44,"anchor":44,"target":44,"linktype":45},"https://blog.spendesk.com/en/revenue-based-financing-startups",{"type":648,"content":686},[687],{"type":35,"content":688},[689],{"text":690,"type":38,"marks":691},"Supply chain financing: a smart solution for fast working capital",[692],{"type":41,"attrs":693},{"href":694,"uuid":695,"anchor":44,"target":44,"linktype":358,"story":696},"supply-chain-financing","a7b2e580-8168-46f9-aa20-11718901d00e",{"name":690,"id":697,"uuid":695,"slug":694,"url":698,"full_slug":698,"_stopResolving":72},208800727,"blog/supply-chain-financing",{"type":648,"content":700},[701],{"type":35,"content":702},[703],{"text":704,"type":38,"marks":705},"How startup business loans compare with venture capital",[706],{"type":41,"attrs":707},{"href":708,"uuid":9,"anchor":44,"target":44,"linktype":358,"story":709},"inventory-financing-for-startups",{"name":4,"id":8,"uuid":9,"slug":708,"url":710,"full_slug":710,"_stopResolving":72},"blog/inventory-financing-for-startups",{"type":35,"content":712},[713],{"text":714,"type":38},"--------------------------------",{"type":35,"content":716},[717,721,723,727],{"text":14,"type":38,"marks":718},[719],{"type":41,"attrs":720},{"href":43,"uuid":44,"anchor":44,"target":44,"linktype":45},{"text":722,"type":38}," is CFO of ",{"text":49,"type":38,"marks":724},[725],{"type":41,"attrs":726},{"href":53,"uuid":44,"anchor":44,"target":44,"linktype":45},{"text":728,"type":38},", a technology company that makes electronic goods accessible and affordable for everyone. With a background in banking and an MBA from INSEAD in Paris, Thomas has helped grow several startups to more than €300 million in funding, and has built successful, high-functioning finance teams.",{"type":35,"content":730},[731],{"type":171,"attrs":732},{"id":173,"body":733},[734],{"_uid":735,"html":177,"component":178},"39b3543e-5b8d-48a2-8b9f-a46d2c150e86",{"name":737,"created_at":738,"published_at":16,"updated_at":739,"id":740,"uuid":741,"content":742,"slug":749,"full_slug":750,"sort_by_date":44,"position":751,"tag_list":752,"is_startpage":27,"parent_id":753,"meta_data":44,"group_id":754,"first_published_at":755,"release_id":44,"lang":63,"path":44,"alternates":756,"default_full_slug":750,"translated_slugs":757,"_stopResolving":72},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":743,"icon":744,"name":737,"component":748},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":745,"alt":746,"name":25,"focus":25,"title":25,"filename":747,"copyright":25,"fieldtype":26,"is_external_url":27},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","blog/category/article",0,[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],[758,759,760],{"path":750,"name":44,"lang":67,"published":44},{"path":750,"name":44,"lang":69,"published":44},{"path":750,"name":44,"lang":71,"published":44},[63,762,763],"en-us","en-eu",[765],{"_uid":766,"asset":767,"shadow":27,"caption":25,"overlay":769,"component":203},"3c882107-ca78-4f4b-a0cf-f69b9e193f57",{"alt":25,"name":25,"focus":25,"title":25,"filename":768,"copyright":25,"fieldtype":26,"is_external_url":27},"https://a.storyblok.com/f/146026/1500x786/2d63222d46/inventory-financing-for-startups.jpg",[],[],"2020-08-12 08:27","10",[],"Inventory financing explained: how startups use stock as collateral to fund growth, manage cash flow, and scale without diluting ownership.",[776],{"_uid":777,"items":778,"heading":816,"reverse":27,"component":834,"sectionSettings":835},"2c434627-7b9e-4688-930c-22fe913d13c1",[779,789,798,807],{"_uid":780,"title":781,"component":782,"description":783},"6b0009a3-2e71-4a88-ba52-726bc10d36a1","What is inventory financing and how does it work for startups?","faqItem",{"type":32,"content":784},[785],{"type":35,"content":786},[787],{"text":788,"type":38},"Inventory financing is a loan or credit line secured by a company's inventory to fund stock purchases and bridge cash-flow gaps. Spendesk helps startups manage financed inventory by centralizing supplier payments, issuing controlled virtual cards for purchases, automating invoice approvals, and providing real-time spend visibility and budget controls to track inventory-related cash flow and reconcile purchases quickly.",{"_uid":790,"title":791,"component":782,"description":792},"5906af6a-fa4b-4c7c-b58c-0a4233ea5098","How can startups finance inventory without giving up equity?",{"type":32,"content":793},[794],{"type":35,"content":795},[796],{"text":797,"type":38},"Startups can finance inventory without giving up equity using short-term business loans, lines of credit, supplier financing, or revenue-based financing. Spendesk helps preserve equity by improving working capital through automated invoice workflows, controlled virtual cards for vendor payments, integrated spend limits, and real-time cash forecasting to support negotiations for extended supplier terms and faster purchasing decisions.",{"_uid":799,"title":800,"component":782,"description":801},"963bc96d-f187-4da5-8c7a-f3210a0a9a98","How does Spendesk help improve cash flow when buying inventory?",{"type":32,"content":802},[803],{"type":35,"content":804},[805],{"text":806,"type":38},"Spendesk improves cash flow for inventory purchases by centralizing payments and controlling payment timing to match sales cycles. Spendesk provides virtual and physical cards, automated invoice capture and approval workflows, centralized supplier payments, and budget controls that increase payment visibility, accelerate approvals, and enable startups to negotiate favorable terms or capture early-payment discounts.",{"_uid":808,"title":809,"component":782,"description":810},"abf752b8-923b-48b7-a595-7aefd8dbbe43","Can Spendesk integrate with accounting systems to reconcile inventory purchases?",{"type":32,"content":811},[812],{"type":35,"content":813},[814],{"text":815,"type":38},"Spendesk integrates with major accounting systems to automate reconciliation of inventory purchases and reduce manual bookkeeping. Spendesk syncs card transactions, invoices, receipts, and spend categories to accounting tools, applies spend codes and approvals, and keeps inventory-related expenses linked to budgets so finance teams close books faster and maintain accurate cost-of-goods records.",[817],{"cta":818,"_uid":819,"title":820,"eyebrow":827,"subtitle":830,"component":180,"textAlign":25,"sectionSettings":833,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":25},[],"87536505-fa56-4d91-be1d-23e81cf3fe54",{"type":32,"content":821},[822],{"type":180,"attrs":823,"content":824},{"level":182},[825],{"text":826,"type":38},"Inventory Financing For Startups — FAQ",{"type":32,"content":828},[829],{"type":35},{"type":32,"content":831},[832],{"type":35},[],"faqSection",[836],{"_uid":837,"hide":27,"theme":838,"anchorId":25,"component":839,"spacingTop":25,"hideOnDevices":840,"spacingBottom":25,"floatingImages":841,"variableOverrides":842},"ce35693c-9468-4ee7-b4cc-810e046592df","light-theme","sectionSettings",[],[],[],5480,[],176386517,"fb644114-ec3f-430a-b889-7e61daa8e117","2022-11-04T13:36:49.161Z",[],[850,851,852],{"path":710,"name":44,"lang":67,"published":44},{"path":710,"name":44,"lang":69,"published":44},{"path":710,"name":44,"lang":71,"published":44},{"header":854,"footer":1483,"commonContent":1863,"userCentricsAndSegmentMappingTable":2042},{"name":855,"created_at":856,"published_at":857,"updated_at":858,"id":859,"uuid":860,"content":861,"slug":1308,"full_slug":1471,"sort_by_date":44,"position":751,"tag_list":1472,"is_startpage":27,"parent_id":1474,"meta_data":44,"group_id":1475,"first_published_at":1476,"release_id":44,"lang":63,"path":1477,"alternates":1478,"default_full_slug":1471,"translated_slugs":1479},"Header","2022-03-03T10:18:44.837Z","2026-10-29T11:36:19.639Z","2026-10-29T11:36:19.664Z",112682816,"5cdfaafc-a9d2-47fd-a16f-d782131160fd",{"_uid":862,"logo":863,"navbar":868,"loginBtn":1307,"component":1308,"languages":1309,"logoBlack":1328,"logoWhite":1332,"topNavbar":1337,"footerLinks":1346,"socialLinks":1363,"homepageLink":1404,"getStartedBtn":1414,"announcementBanner":1427,"localeSwitcherTitle":1470},"d642d99f-3914-487e-abe1-9515eca76325",{"id":864,"alt":865,"name":25,"focus":25,"title":865,"source":25,"filename":866,"copyright":25,"fieldtype":26,"meta_data":867,"is_external_url":27},4112223,"Spendesk","https://a.storyblok.com/f/146026/x/5f4956f538/spendesk-logo.svg",{},[869,1057,1066,1077,1237],{"_uid":870,"label":871,"columns":872,"component":1022,"headingNewBranding":1023},"99e54924-f77d-4501-978a-b578da0140ca","Product",[873,949],{"_uid":874,"ctas":875,"label":871,"component":947,"labelColor":25,"backgroundIconColor":948},"5f198563-42a4-441a-bdb5-8a4ee4320b66",[876,893,906,919,933],{"tag":25,"_uid":877,"hide":27,"icon":878,"link":882,"type":25,"label":890,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"09547f47-fd5a-4b75-bd20-5b419c3a9692",{"id":879,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":880,"copyright":25,"fieldtype":26,"meta_data":881,"is_external_url":27},16729348,"https://a.storyblok.com/f/146026/32x32/e26321511f/icon-star-32px-carbon-naked.svg",{},{"id":883,"url":25,"linktype":358,"fieldtype":884,"cached_url":885,"story":886},"d942dafa-667c-49cd-bfcf-a53c8faa8e92","multilink","platform/mcp",{"name":887,"id":888,"uuid":883,"slug":889,"url":885,"full_slug":885,"_stopResolving":72},"MCP",184147202165078,"mcp","Spendesk AI Connect","primary","cta",{"tag":25,"_uid":894,"icon":895,"link":899,"type":25,"label":903,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"40af8152-1e3f-4e5c-b9f2-5d8ff7672be7",{"id":896,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":897,"copyright":25,"fieldtype":26,"meta_data":898,"is_external_url":27},16281091,"https://a.storyblok.com/f/146026/16x16/c5475cecd9/icon-platic-card-carbon_no-bg.svg",{},{"id":900,"url":25,"linktype":358,"fieldtype":884,"cached_url":901,"story":902},"a0ebe15c-08cc-4f8b-afba-12b165f9fb56","product/cards/",{"name":903,"id":904,"uuid":900,"slug":905,"url":901,"full_slug":901,"_stopResolving":72},"Cards",193401086247857,"cards",{"tag":25,"_uid":907,"hide":27,"icon":908,"link":912,"type":25,"label":916,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"68a2616c-26e5-4688-8333-6c5a4fab3190",{"id":909,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":910,"copyright":25,"fieldtype":26,"meta_data":911,"is_external_url":27},16281100,"https://a.storyblok.com/f/146026/16x16/cc8b7906c6/icon-cart-carbon_no-bg.svg",{},{"id":913,"url":25,"linktype":358,"fieldtype":884,"cached_url":914,"story":915},"54aaf12a-503f-42e6-afbc-61919d53f941","product/procurement",{"name":916,"id":917,"uuid":913,"slug":918,"url":914,"full_slug":914,"_stopResolving":72},"Procurement",193401601446119,"procurement",{"tag":25,"_uid":920,"hide":27,"icon":921,"link":925,"type":25,"label":932,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"9dee1a69-11fd-470d-a6b7-98afd828410c",{"id":922,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":923,"copyright":25,"fieldtype":26,"meta_data":924,"is_external_url":27},16281102,"https://a.storyblok.com/f/146026/16x17/f28007595c/icon-approved-expenses-carbon_no-bg.svg",{},{"id":926,"url":25,"linktype":358,"fieldtype":884,"cached_url":927,"story":928},"5a15816c-5303-499e-9774-f4eab6597303","product/accounts-payable",{"name":929,"id":930,"uuid":926,"slug":931,"url":927,"full_slug":927,"_stopResolving":72},"Accounts Payable",193400887722918,"accounts-payable","Accounts payable",{"tag":25,"_uid":934,"icon":935,"link":939,"type":25,"label":946,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"3d54b3a1-be28-45fe-a0a8-ebbc68e9e36d",{"id":936,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":937,"copyright":25,"fieldtype":26,"meta_data":938,"is_external_url":27},16281106,"https://a.storyblok.com/f/146026/16x16/b57ae3cc57/icon-expenses-carbon_no-bg.svg",{},{"id":940,"url":25,"linktype":358,"fieldtype":884,"cached_url":941,"story":942},"2c9f9c07-cfb4-48e3-9391-89ea909b50ca","product/expense-management",{"name":943,"id":944,"uuid":940,"slug":945,"url":941,"full_slug":941,"_stopResolving":72},"Expense Management",193401429506811,"expense-management","Expense management","ctasColumn","--color-accent-06",{"_uid":950,"ctas":951,"label":1021,"component":947,"labelColor":25,"backgroundIconColor":948},"c7e769a0-95c8-49e3-a177-8c7061def31b",[952,966,980,994,1008],{"tag":25,"_uid":953,"hide":27,"icon":954,"link":958,"type":25,"label":962,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"4c5373c4-ce33-450b-b5a2-6fd072f8b1f4",{"id":955,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":956,"copyright":25,"fieldtype":26,"meta_data":957,"is_external_url":27},16729298,"https://a.storyblok.com/f/146026/32x32/afc3b416d2/icon-chart-32px-carbon-naked.svg",{},{"id":959,"url":25,"linktype":358,"fieldtype":884,"cached_url":960,"story":961},"28bb9756-1ece-4e77-95d1-14f9384a14c9","platform/spends-controls",{"name":962,"id":963,"uuid":959,"slug":964,"url":965,"full_slug":965,"_stopResolving":72},"Spend Controls",193400956097450,"spend-controls","platform/spend-controls",{"tag":25,"_uid":967,"hide":27,"icon":968,"link":972,"type":25,"label":979,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"2510867b-7a54-4419-b9bf-179d0e428694",{"id":969,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":970,"copyright":25,"fieldtype":26,"meta_data":971,"is_external_url":27},16729328,"https://a.storyblok.com/f/146026/32x32/b0f8886cda/icon-marvin-32px-carbon-naked.svg",{},{"id":973,"url":25,"linktype":358,"fieldtype":884,"cached_url":974,"story":975},"fd085d94-f53b-4b62-8db8-a7210e0836c2","platform/ai-automation",{"name":976,"id":977,"uuid":973,"slug":978,"url":974,"full_slug":974,"_stopResolving":72},"AI & Automation",193401551136651,"ai-automation","AI",{"tag":25,"_uid":981,"hide":27,"icon":982,"link":986,"type":25,"label":993,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"26c4c111-0fcd-42c7-a1a9-adda4b11510c",{"id":983,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":984,"copyright":25,"fieldtype":26,"meta_data":985,"is_private":27,"is_external_url":27},16281093,"https://a.storyblok.com/f/146026/16x16/6958f61a21/icon-puzzle-carbon_no-bg.svg",{},{"id":987,"url":25,"linktype":358,"fieldtype":884,"cached_url":988,"story":989},"e0594f7b-c01a-45b3-96e2-186a17439c46","integrations/",{"name":990,"id":991,"uuid":987,"slug":992,"url":988,"full_slug":988,"_stopResolving":72},"Integrations",129006144,"integrations","API & integrations",{"tag":25,"_uid":995,"icon":996,"link":1000,"type":25,"label":1007,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"b4465174-3e37-44c2-99ee-8cd84e6e5a98",{"id":997,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":998,"copyright":25,"fieldtype":26,"meta_data":999,"is_external_url":27},16281085,"https://a.storyblok.com/f/146026/16x16/aa4d62e541/icon-office-carbon_no-bg.svg",{},{"id":1001,"url":25,"linktype":358,"fieldtype":884,"cached_url":1002,"story":1003},"3d432995-4a9f-417f-b7d9-48e760bf8646","product/multi-entity-management",{"name":1004,"id":1005,"uuid":1001,"slug":1006,"url":1002,"full_slug":1002,"_stopResolving":72},"Multi-Entity Management",193401474719366,"multi-entity-management","Multi-entity management",{"tag":25,"_uid":1009,"icon":1010,"link":1014,"type":25,"label":1018,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"a349de93-1409-4ba4-a5e3-3c1916013987",{"id":1011,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1012,"copyright":25,"fieldtype":26,"meta_data":1013,"is_external_url":27},16281109,"https://a.storyblok.com/f/146026/16x16/e708885b4d/icon-wallet-carbon_no-bg.svg",{},{"id":1015,"url":25,"linktype":358,"fieldtype":884,"cached_url":1016,"story":1017},"b419cae8-61d4-4ab4-919b-71875ceab832","product/budget",{"name":1018,"id":1019,"uuid":1015,"slug":1020,"url":1016,"full_slug":1016,"_stopResolving":72},"Budget",193401384269658,"budget","Platform ","dropdownMenu",[1024],{"cta":1025,"_uid":1037,"title":1038,"eyebrow":1046,"subtitle":1049,"component":180,"textAlign":25,"sectionSettings":1056,"subtitleLeftBorder":27},[1026],{"tag":25,"_uid":1027,"hide":27,"icon":1028,"link":1029,"type":25,"label":1036,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"c116cfe4-00a7-4def-bfa6-50635b56f3cd",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":44,"copyright":44,"fieldtype":26},{"id":1030,"url":25,"linktype":358,"fieldtype":884,"cached_url":1031,"story":1032},"0c6c4fbe-f44e-4fe1-8340-f16097c5e857","platform/platform-releases/october-update-2026",{"name":1033,"id":1034,"uuid":1030,"slug":1035,"url":1031,"full_slug":1031,"_stopResolving":72},"October update 2026",225204977508410,"october-update-2026","Explore now","5602ee0e-a19d-4a6d-81c7-654623a62c53",{"type":32,"content":1039},[1040],{"type":35,"attrs":1041,"content":1043},{"textAlign":44,"key":1042},"p-0",[1044],{"text":1045,"type":38},"What's New",{"type":32,"content":1047},[1048],{"type":35},{"type":32,"content":1050},[1051],{"type":35,"attrs":1052,"content":1053},{"textAlign":44,"key":1042},[1054],{"text":1055,"type":38},"Your latest Spendesk product update is here",[],{"tag":25,"_uid":1058,"hide":27,"icon":1059,"link":1060,"type":25,"label":1064,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"3e099d1d-7633-470a-b225-70ff55117055",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":44,"copyright":44,"fieldtype":26},{"id":1061,"url":25,"linktype":358,"fieldtype":884,"cached_url":1062,"story":1063},"3fa6ea10-966e-4089-af4b-7e6e442aa044","pricing",{"name":1064,"id":1065,"uuid":1061,"slug":1062,"url":1062,"full_slug":1062,"_stopResolving":72},"Pricing",118542802,{"tag":25,"_uid":1067,"icon":1068,"link":1069,"type":25,"label":1076,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"d5e1987a-f5af-4885-8aaa-ef59abcd1856",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":44,"copyright":44,"fieldtype":26},{"id":1070,"url":25,"linktype":358,"fieldtype":884,"cached_url":1071,"story":1072},"09ad78b4-d4be-4ef1-9f8d-7f452d2592ee","customers/",{"name":1073,"id":1074,"uuid":1070,"slug":1075,"url":1071,"full_slug":1071,"_stopResolving":72},"Listing page",107236629,"customers","Customer stories",{"_uid":1078,"label":1079,"columns":1080,"component":1022,"headingNewBranding":1236},"59752063-d282-4855-95bc-45cfb825ed90","Resources",[1081,1140,1205],{"_uid":1082,"ctas":1083,"label":1138,"component":947,"labelColor":25,"backgroundIconColor":1139},"705444cd-cbfb-417a-99c3-8481453ed293",[1084,1098,1112,1125],{"tag":25,"_uid":1085,"icon":1086,"link":1090,"type":25,"label":1097,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"5fa4f3ea-1139-4bfb-9f4b-5bfc2ee878e4",{"id":1087,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1088,"copyright":25,"fieldtype":26,"meta_data":1089,"is_private":27,"is_external_url":27},16281084,"https://a.storyblok.com/f/146026/16x16/4c0bcd937c/icon-edit-carbon_no-bg.svg",{},{"id":1091,"url":25,"linktype":358,"fieldtype":884,"cached_url":1092,"story":1093},"f85ca87f-b289-449f-9fc4-9c760a70f55b","blog/",{"name":1094,"id":1095,"uuid":1091,"slug":1096,"url":1092,"full_slug":1092,"_stopResolving":72},"Blog homepage (listing page)",181576014,"blog","Blog",{"tag":25,"_uid":1099,"hide":27,"icon":1100,"link":1104,"type":25,"label":1111,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"550defa8-3f12-404f-93c9-d1712a0cede6",{"id":1101,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1102,"copyright":25,"fieldtype":26,"meta_data":1103,"is_external_url":27},22166084,"https://a.storyblok.com/f/146026/16x16/70203afe7e/icon_-_play_-_carbon.svg",{},{"id":1105,"url":25,"linktype":358,"fieldtype":884,"cached_url":1106,"story":1107},"06849c8d-cf20-4692-b0d3-1a26c8b49950","events/",{"name":1108,"id":1109,"uuid":1105,"slug":1110,"url":1106,"full_slug":1106,"_stopResolving":72},"Events listing page",86201135839603,"events","Events & Webinars",{"tag":25,"_uid":1113,"hide":27,"icon":1114,"link":1118,"type":25,"label":1124,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"d6c7b904-02c6-4635-b6ef-7c41c9ffc857",{"id":1115,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1116,"copyright":25,"fieldtype":26,"meta_data":1117,"is_external_url":27},16281086,"https://a.storyblok.com/f/146026/16x16/0e8759095b/icon-help-carbon_no-bg.svg",{},{"id":1119,"url":25,"linktype":358,"fieldtype":884,"cached_url":1120,"story":1121},"58f938c1-a22b-4a2a-8ba3-85610455b1e2","faq",{"name":1122,"id":1123,"uuid":1119,"slug":1120,"url":1120,"full_slug":1120,"_stopResolving":72},"FAQ",126231937,"FAQs",{"tag":25,"_uid":1126,"hide":27,"icon":1127,"link":1131,"type":25,"label":1135,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"615e7cc9-41e0-4033-aa94-52ae8aa728ff",{"id":1128,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1129,"copyright":25,"fieldtype":26,"meta_data":1130,"is_external_url":27},16281080,"https://a.storyblok.com/f/146026/17x17/dfacf276ea/icon-search-carbon_no-bg.svg",{},{"id":1132,"url":25,"linktype":358,"fieldtype":884,"cached_url":1133,"story":1134},"73f35c2d-ebf7-4761-8e05-7ef4d9d7df01","glossary/",{"name":1135,"id":1136,"uuid":1132,"slug":1137,"url":1133,"full_slug":1133,"_stopResolving":72},"Glossary",127190994,"glossary","Helpful content","--color-accent-05",{"_uid":1141,"ctas":1142,"label":1204,"component":947,"labelColor":25,"backgroundIconColor":1139},"487d38bc-1a08-45a5-807a-5a7c04de8a6e",[1143,1153,1166,1179,1193],{"tag":25,"_uid":1144,"hide":27,"icon":1145,"link":1147,"type":25,"label":1151,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"8f6dba5c-37eb-4e62-a1ab-3c40a4558b8e",{"id":969,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":970,"copyright":25,"fieldtype":26,"meta_data":1146,"is_external_url":27},{},{"id":1148,"url":25,"linktype":358,"fieldtype":884,"cached_url":1149,"story":1150},"9425912b-288d-48f1-a7c7-6247f58ed8ed","ai",{"name":1151,"id":1152,"uuid":1148,"slug":1149,"url":1149,"full_slug":1149,"_stopResolving":72},"AI Hub",114865617041697,{"tag":25,"_uid":1154,"icon":1155,"link":1159,"type":25,"label":1165,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"7777fb05-58e5-4f3c-aa58-92cdbc65fd09",{"id":1156,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1157,"copyright":25,"fieldtype":26,"meta_data":1158,"is_external_url":27},16281087,"https://a.storyblok.com/f/146026/16x16/e6ec37650f/icon-file-carbon_no-bg.svg",{},{"id":1160,"url":25,"linktype":358,"fieldtype":884,"cached_url":1161,"story":1162},"b116361a-f2a4-40f7-a021-4b9b64edade9","finance-resources",{"name":1163,"id":1164,"uuid":1160,"slug":1161,"url":1161,"full_slug":1161,"_stopResolving":72},"Finance resources",363638378,"Finance Team Resources",{"tag":25,"_uid":1167,"hide":27,"icon":1168,"link":1172,"type":25,"label":1176,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"627fe88e-fe6c-48e9-a3c4-2fd3336c1013",{"id":1169,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1170,"copyright":25,"fieldtype":26,"meta_data":1171,"is_external_url":27},70200044241480,"https://a.storyblok.com/f/146026/20x20/c23deb7ab6/icon-map-carbon_no-bg.svg",{},{"id":1173,"url":25,"linktype":358,"fieldtype":884,"cached_url":1174,"story":1175},"52ff1d3e-2698-4924-98a8-bb3c78d08bac","tools/cfo-tech-stack-map",{"name":1176,"id":1177,"uuid":1173,"slug":1178,"url":1174,"full_slug":1174,"_stopResolving":72},"CFO Tech Stack Map",688303595,"cfo-tech-stack-map",{"tag":25,"_uid":1180,"hide":72,"icon":1181,"link":1185,"type":25,"label":1192,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"bcc29e92-02f7-467c-95b2-b1a3745b8641",{"id":1182,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1183,"copyright":25,"fieldtype":26,"meta_data":1184,"is_external_url":27},16281098,"https://a.storyblok.com/f/146026/16x16/3e30487589/icon-calculator-carbon_no-bg.svg",{},{"id":1186,"url":25,"linktype":358,"fieldtype":884,"cached_url":1187,"story":1188},"ab956bec-b6b4-434a-b4aa-b772873f9577","tools/spend-management-calculator",{"name":1189,"id":1190,"uuid":1186,"slug":1191,"url":1187,"full_slug":1187,"_stopResolving":72},"ROI calculator",159362364,"spend-management-calculator","ROI Calculator",{"tag":25,"_uid":1194,"icon":1195,"link":1197,"type":25,"label":1203,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"2ebe313f-59e0-4d88-b72e-217efc4a1c17",{"id":922,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":923,"copyright":25,"fieldtype":26,"meta_data":1196,"is_external_url":27},{},{"id":1198,"url":25,"linktype":358,"fieldtype":884,"cached_url":1199,"story":1200},"001bfc30-c6f3-44bd-93ed-888c2ec3bc46","tools/hmrc-mileage-calculator",{"name":1201,"id":1202,"uuid":1198,"slug":1201,"url":1199,"full_slug":1199,"_stopResolving":72},"hmrc-mileage-calculator",590567568,"HMRC Mileage Calculator","Resources & Tools",{"_uid":1206,"ctas":1207,"label":1235,"component":947,"backgroundIconColor":1139},"42cd977b-64fd-4daa-a999-3e539c48fdf8",[1208,1217,1226],{"tag":25,"_uid":1209,"icon":1210,"link":1214,"type":25,"label":1216,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"2d80d8b9-bc29-451a-8830-93f777a4035f",{"id":1211,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1212,"copyright":25,"fieldtype":26,"meta_data":1213,"is_external_url":27},16281104,"https://a.storyblok.com/f/146026/24x24/9630540d4d/icon-cfoc-carbon_no-bg.svg",{},{"id":25,"url":1215,"linktype":45,"fieldtype":884,"cached_url":1215},"https://www.cfoconnect.eu/en/","Join CFO Connect",{"tag":25,"_uid":1218,"icon":1219,"link":1223,"type":25,"label":1225,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"8aa1408e-a5de-4956-b981-e612681b1217",{"id":1220,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1221,"copyright":25,"fieldtype":26,"meta_data":1222,"is_external_url":27},16281088,"https://a.storyblok.com/f/146026/16x16/11abf8539b/icon-calendar-carbon_no-bg.svg",{},{"id":25,"url":1224,"linktype":45,"fieldtype":884,"cached_url":1224},"https://www.cfoconnect.eu/events/","CFO Connect Events",{"tag":25,"_uid":1227,"icon":1228,"link":1232,"type":25,"label":1234,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"51f87bc2-673b-462f-8774-e0e4ff7d7c32",{"id":1229,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1230,"copyright":25,"fieldtype":26,"meta_data":1231,"is_private":27,"is_external_url":27},16281082,"https://a.storyblok.com/f/146026/16x16/d2c2ef928e/icon-chat-carbon_no-bg.svg",{},{"id":25,"url":1233,"linktype":45,"cached_url":1233},"https://www.cfoconnect.eu/en/resources/faces-of-finance/?__hstc=41219197.bbead300ed8109c4e10bec25b53311f8.1650355153846.1650355153846.1650393005163.2&__hssc=41219197.11.1650393005163&__hsfp=2647279916","Faces of Finance","Community",[],{"_uid":1238,"label":1239,"columns":1240,"component":1022,"headingNewBranding":1306},"4d29560b-a121-4a55-83cc-9ad81e6c3b0d","Company",[1241,1278],{"_uid":1242,"ctas":1243,"label":1239,"component":947,"labelColor":25,"backgroundIconColor":948},"e742d8be-34ef-4dd7-a505-637bcae2bfe0",[1244,1255,1264],{"tag":25,"_uid":1245,"hide":27,"icon":1246,"link":1248,"type":25,"label":1254,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"08110155-0385-4a0d-bb1f-23db5d38e45f",{"id":997,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":998,"copyright":25,"fieldtype":26,"meta_data":1247,"is_private":27,"is_external_url":27},{},{"id":1249,"url":25,"linktype":358,"fieldtype":884,"cached_url":1250,"story":1251},"e44ca227-8de9-44c9-93ac-9229f1e769ba","about",{"name":1252,"id":1253,"uuid":1249,"slug":1250,"url":1250,"full_slug":1250,"_stopResolving":72},"Our story",126213445,"About us",{"tag":25,"_uid":1256,"hide":27,"icon":1257,"link":1261,"type":25,"label":1263,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"10f20954-92be-45a9-a38d-4ff377ae1a91",{"id":1258,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1259,"copyright":25,"fieldtype":26,"meta_data":1260,"is_external_url":27},16281083,"https://a.storyblok.com/f/146026/16x16/4710670fe5/icon-suitcase-carbon_no-bg.svg",{},{"id":25,"url":1262,"linktype":45,"fieldtype":884,"cached_url":1262},"https://career.spendesk.com","Careers",{"tag":25,"_uid":1265,"hide":27,"icon":1266,"link":1270,"type":25,"label":1277,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"54992a01-315a-44ea-8d42-530e6a4991e4",{"id":1267,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1268,"copyright":25,"fieldtype":26,"meta_data":1269,"is_external_url":27},16281079,"https://a.storyblok.com/f/146026/16x16/b2eba365dd/icon-news-carbon_no-bg.svg",{},{"id":1271,"url":25,"linktype":358,"fieldtype":884,"cached_url":1272,"story":1273},"f09d7678-b42b-4c68-b4a5-3d26d457355c","press/",{"name":1274,"id":1275,"uuid":1271,"slug":1276,"url":1272,"full_slug":1272,"_stopResolving":72},"Spendesk Press",265014512,"press","News & Press",{"_uid":1279,"ctas":1280,"label":554,"component":947,"labelColor":25,"backgroundIconColor":948},"59a11592-e6cb-405d-8208-9e3c365ac046",[1281,1294],{"tag":25,"_uid":1282,"hide":27,"icon":1283,"link":1287,"type":25,"label":1291,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"4c769292-9f5f-404f-90d3-9a6ed38483ff",{"id":1284,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1285,"copyright":25,"fieldtype":26,"meta_data":1286,"is_private":27,"is_external_url":27},16281099,"https://a.storyblok.com/f/146026/18x16/a7c116c072/icon-people-carbon_no-bg.svg",{},{"id":1288,"url":25,"linktype":358,"fieldtype":884,"cached_url":1289,"story":1290},"256bc156-b5de-4af2-a9d9-17e2f24d8448","partners/",{"name":1291,"id":1292,"uuid":1288,"slug":1293,"url":1289,"full_slug":1289,"_stopResolving":72},"Partners",113802294,"partners",{"tag":25,"_uid":1295,"hide":27,"icon":1296,"link":1300,"type":25,"label":1304,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"f0e6324a-5e60-43c4-bffc-3430ec5c000b",{"id":1297,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1298,"copyright":25,"fieldtype":26,"meta_data":1299,"is_private":27,"is_external_url":27},16281081,"https://a.storyblok.com/f/146026/18x18/01e1262e82/icon-phone-carbon_no-bg.svg",{},{"id":1301,"url":25,"linktype":358,"fieldtype":884,"cached_url":1302,"story":1303},"07eb4f4d-6829-4200-a43a-40fe668dbd09","contact-us",{"name":1304,"id":1305,"uuid":1301,"slug":1302,"url":1302,"full_slug":1302,"_stopResolving":72},"Contact us",126275406,[],"Login","header",[1310,1315,1320,1324],{"_uid":1311,"code":69,"name":1312,"component":1313,"shortName":1314},"3825432f-6270-4fc5-a6de-2268b10d53ab","Deutsch","language","DE",{"_uid":1316,"code":1317,"name":1318,"component":1313,"shortName":1319},"5050c343-1954-40e4-bc50-71a22fceaf28","en","English","EN",{"_uid":1321,"code":71,"name":1322,"component":1313,"shortName":1323},"76d21077-cbac-4f11-9fed-1cee8e6221ae","Español","ES",{"_uid":1325,"code":67,"name":1326,"component":1313,"shortName":1327},"a451f395-b57c-4be1-8e17-c87dbc81b87b","Français","FR",{"id":1329,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1330,"copyright":25,"fieldtype":26,"meta_data":1331,"is_external_url":27},15300953,"https://a.storyblok.com/f/146026/143x22/ff77add2ca/spendesk-logo-black.svg",{},{"id":1333,"alt":865,"name":25,"focus":25,"title":1334,"source":25,"filename":1335,"copyright":25,"fieldtype":26,"meta_data":1336,"is_external_url":27},4112224,"Spendesk white","https://a.storyblok.com/f/146026/x/8000a10792/spendesk-logo-white.svg",{},[1338],{"tag":25,"_uid":1339,"hide":27,"icon":1340,"link":1342,"type":25,"label":1344,"style":891,"component":892,"onClickEvent":1345,"openInANewTab":72,"horizontalFill":27},"76967f37-ad44-44e4-942f-2b6c1c1ee456",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1341},{},{"id":25,"url":1343,"linktype":45,"fieldtype":884,"cached_url":1343},"https://helpcenter.spendesk.com","Help Center","website:navbar:helpcenter_cta:clicked",[1347,1352],{"tag":25,"_uid":1348,"hide":27,"icon":1349,"link":1351,"type":25,"label":1344,"style":891,"component":892,"onClickEvent":1345,"openInANewTab":72,"horizontalFill":27},"5973fc04-9f32-479f-8978-27caad9d8e91",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1350},{},{"id":25,"url":1343,"linktype":45,"fieldtype":884,"cached_url":1343},{"tag":25,"_uid":1353,"hide":27,"icon":1354,"link":1356,"type":25,"label":1362,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"9875b499-bfb1-473b-a433-f70b3cff167b",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":44,"copyright":44,"fieldtype":26,"meta_data":1355,"is_external_url":27},{},{"id":1357,"url":25,"linktype":358,"fieldtype":884,"cached_url":1358,"story":1359},"0fcd9d53-6332-4709-aeeb-2e72863eb107","spendesk-security",{"name":1360,"id":1361,"uuid":1357,"slug":1358,"url":1358,"full_slug":1358,"_stopResolving":72},"Security",126230553,"Security & privacy",[1364,1372,1380,1388,1396],{"tag":25,"_uid":1365,"icon":1366,"link":1370,"type":25,"label":25,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"71cb89db-23a0-4b90-82d6-ca84b52af561",{"id":1367,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1368,"copyright":25,"fieldtype":26,"meta_data":1369,"is_external_url":27},16281248,"https://a.storyblok.com/f/146026/12x12/2d962efd0e/icon-facebook-carbon_no-bg.svg",{},{"id":25,"url":1371,"linktype":45,"fieldtype":884,"cached_url":1371},"https://www.facebook.com/spendesk/",{"tag":25,"_uid":1373,"icon":1374,"link":1378,"type":25,"label":25,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"69887bf3-cc5a-4f8b-82e0-33682082fbb0",{"id":1375,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1376,"copyright":25,"fieldtype":26,"meta_data":1377,"is_private":27,"is_external_url":27},16281245,"https://a.storyblok.com/f/146026/12x12/3d1e2f35e1/icon-instagram-carbon_no-bg.svg",{},{"id":25,"url":1379,"linktype":45,"fieldtype":884,"cached_url":1379},"https://www.instagram.com/spendesk",{"tag":25,"_uid":1381,"icon":1382,"link":1386,"type":25,"label":25,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"4b43ad3a-09a9-4670-8fa0-112bc3a16e82",{"id":1383,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1384,"copyright":25,"fieldtype":26,"meta_data":1385,"is_private":27,"is_external_url":27},16281247,"https://a.storyblok.com/f/146026/12x12/864442ea5c/icon-linkedin-carbon_no-bg.svg",{},{"id":25,"url":1387,"linktype":45,"fieldtype":884,"cached_url":1387},"https://www.linkedin.com/company/spendesk/",{"tag":25,"_uid":1389,"icon":1390,"link":1394,"type":25,"label":25,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"78310ee6-2020-4d6f-935c-61b7c4320988",{"id":1391,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1392,"copyright":25,"fieldtype":26,"meta_data":1393,"is_private":27,"is_external_url":27},16281249,"https://a.storyblok.com/f/146026/12x12/2b24154a63/icon-x-carbon_no-bg.svg",{},{"id":25,"url":1395,"linktype":45,"fieldtype":884,"cached_url":1395},"https://x.com/Spendesk",{"tag":25,"_uid":1397,"hide":27,"icon":1398,"link":1402,"type":25,"label":25,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":72,"horizontalFill":27},"70991476-75cd-4094-ae94-acd39cb504f1",{"id":1399,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1400,"copyright":25,"fieldtype":26,"meta_data":1401,"is_private":27,"is_external_url":27},16281246,"https://a.storyblok.com/f/146026/12x12/169fccc4c0/icon-youtube-carbon_no-bg.svg",{},{"id":25,"url":1403,"linktype":45,"fieldtype":884,"cached_url":1403},"https://www.youtube.com/c/spendesk",[1405],{"tag":25,"_uid":1406,"hide":27,"icon":1407,"link":1408,"type":25,"label":25,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"b3e35b40-8a11-4b10-8610-d965ad8998f4",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":44,"copyright":44,"fieldtype":26},{"id":1409,"url":25,"linktype":358,"fieldtype":884,"cached_url":1410,"story":1411},"cda85daf-0d14-4698-9bb2-d5fbb6bd7bc5","home",{"name":1412,"id":1413,"uuid":1409,"slug":1410,"url":1410,"full_slug":1410,"_stopResolving":72},"Homepage",106735746,[1415],{"tag":25,"_uid":1416,"hide":27,"icon":1417,"link":1418,"type":25,"label":1425,"style":891,"component":892,"onClickEvent":1426,"openInANewTab":27,"horizontalFill":27},"2c621606-7c33-47b3-9eb1-456d185505fe",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":1419,"url":25,"anchor":25,"linktype":358,"fieldtype":884,"cached_url":1420,"story":1421},"92c675ca-b9a9-4a17-9ac3-8b5dd3221fc4","schedule-a-demo/",{"name":1422,"id":1423,"uuid":1419,"slug":1424,"url":1420,"full_slug":1420,"_stopResolving":72},"Schedule a demo",126838129,"schedule-a-demo","Book a demo","website:navbar:book_a_demo_cta:clicked",[1428],{"_uid":1429,"hide":27,"style":1430,"content":1431,"display":1451,"component":1452,"hideOnMobile":27,"mobileContent":1453},"295cfee8-25ae-49d8-8704-8e96565866d5","animated-gradient",{"type":32,"attrs":1432,"content":1433},{"backgroundColor":44},[1434],{"type":35,"attrs":1435,"content":1436},{"textAlign":44,"key":1042},[1437,1441,1443],{"text":1438,"type":38,"marks":1439},"Spendesk AI:",[1440],{"type":157},{"text":1442,"type":38}," The routine work, handled. The judgement calls, yours 👉 ",{"text":1444,"type":38,"marks":1445},"Learn more",[1446,1450],{"type":41,"attrs":1447},{"href":1448,"uuid":973,"anchor":44,"target":533,"linktype":358,"story":1449},"/platform/ai-automation",{"name":976,"id":977,"uuid":973,"slug":978,"url":974,"full_slug":974,"_stopResolving":72},{"type":157},"Whole website","announcementBanner",{"type":32,"attrs":1454,"content":1455},{"backgroundColor":44},[1456],{"type":35,"attrs":1457,"content":1458},{"textAlign":44,"key":1042},[1459,1462,1464],{"text":1438,"type":38,"marks":1460},[1461],{"type":157},{"text":1463,"type":38}," The routine, handled. The judgement calls, yours 👉 ",{"text":1444,"type":38,"marks":1465},[1466,1469],{"type":41,"attrs":1467},{"href":1448,"uuid":973,"anchor":44,"target":533,"linktype":358,"story":1468},{"name":976,"id":977,"uuid":973,"slug":978,"url":974,"full_slug":974,"_stopResolving":72},{"type":157},"Select your language","global-components/header",[1473],"Links checked",111907194,"ef28e32e-3701-433a-b77f-08737a82cfdc","2022-03-09T14:32:27.754Z","/",[],[1480,1481,1482],{"path":1471,"name":44,"lang":67,"published":44},{"path":1471,"name":44,"lang":69,"published":44},{"path":1471,"name":44,"lang":71,"published":44},{"name":1484,"created_at":1485,"published_at":1486,"updated_at":1487,"id":1488,"uuid":1489,"content":1490,"slug":1688,"full_slug":1853,"sort_by_date":44,"position":1854,"tag_list":1855,"is_startpage":27,"parent_id":1474,"meta_data":44,"group_id":1856,"first_published_at":1857,"release_id":44,"lang":63,"path":1092,"alternates":1858,"default_full_slug":1853,"translated_slugs":1859},"Footer","2022-03-03T10:27:46.390Z","2026-10-29T09:44:15.476Z","2026-10-29T09:44:15.499Z",112689691,"bd332f6b-f70a-4f07-abe4-434b845b6945",{"_uid":1491,"lists":1492,"component":1688,"logoLinks":1689,"legalLinks":1706,"socialLinks":1757,"newsletterForm":1783,"complianceLogos":1822,"newsletterTitle":1831,"smallDescription":1832,"newsletterSubtitle":1838,"legalDescriptionText":1839},"68acc184-683a-412b-863a-297708c3cffb",[1493,1527,1581,1656],{"_uid":1494,"ctas":1495,"label":871,"component":947,"labelColor":25,"backgroundIconColor":25},"d0f2d38f-3465-422c-9ebf-15df11d2c26b",[1496,1503,1509,1515,1521],{"tag":25,"_uid":1497,"hide":27,"icon":1498,"link":1500,"type":25,"label":1502,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"d7c91b3c-6e8c-4210-82fb-50a835efded0",{"id":879,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":880,"copyright":25,"fieldtype":26,"meta_data":1499,"is_external_url":27},{},{"id":883,"url":25,"linktype":358,"fieldtype":884,"cached_url":885,"story":1501},{"name":887,"id":888,"uuid":883,"slug":889,"url":885,"full_slug":885,"_stopResolving":72},"Spendesk AI connect",{"tag":25,"_uid":1504,"icon":1505,"link":1507,"type":25,"label":903,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"8fe65f6f-350a-43a6-bd1e-c689ca139c00",{"id":896,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":897,"copyright":25,"fieldtype":26,"meta_data":1506,"is_external_url":27},{},{"id":900,"url":25,"linktype":358,"fieldtype":884,"cached_url":901,"story":1508},{"name":903,"id":904,"uuid":900,"slug":905,"url":901,"full_slug":901,"_stopResolving":72},{"tag":25,"_uid":1510,"hide":27,"icon":1511,"link":1513,"type":25,"label":916,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"49e8fc3a-b545-40f3-89b6-fef1979dfcfc",{"id":909,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":910,"copyright":25,"fieldtype":26,"meta_data":1512,"is_external_url":27},{},{"id":913,"url":25,"linktype":358,"fieldtype":884,"cached_url":914,"story":1514},{"name":916,"id":917,"uuid":913,"slug":918,"url":914,"full_slug":914,"_stopResolving":72},{"tag":25,"_uid":1516,"hide":27,"icon":1517,"link":1519,"type":25,"label":932,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"9069228c-b61f-4f8b-a7f3-7327b46712f7",{"id":922,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":923,"copyright":25,"fieldtype":26,"meta_data":1518,"is_external_url":27},{},{"id":926,"url":25,"linktype":358,"fieldtype":884,"cached_url":927,"story":1520},{"name":929,"id":930,"uuid":926,"slug":931,"url":927,"full_slug":927,"_stopResolving":72},{"tag":25,"_uid":1522,"icon":1523,"link":1525,"type":25,"label":946,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"ee715f69-a1cc-4154-b8ba-f55ca358e584",{"id":936,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":937,"copyright":25,"fieldtype":26,"meta_data":1524,"is_external_url":27},{},{"id":940,"url":25,"linktype":358,"fieldtype":884,"cached_url":941,"story":1526},{"name":943,"id":944,"uuid":940,"slug":945,"url":941,"full_slug":941,"_stopResolving":72},{"_uid":1528,"ctas":1529,"label":1580,"component":947,"labelColor":25,"backgroundIconColor":25},"f5cbd7bc-f736-4698-a51e-febd689e8aba",[1530,1536,1543,1549,1555,1561,1567,1573],{"tag":25,"_uid":1531,"hide":27,"icon":1532,"link":1534,"type":25,"label":962,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"c9bdfffe-0a2e-45a2-bdf1-a3e5f4f2b389",{"id":955,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":956,"copyright":25,"fieldtype":26,"meta_data":1533,"is_external_url":27},{},{"id":959,"url":25,"linktype":358,"fieldtype":884,"cached_url":960,"story":1535},{"name":962,"id":963,"uuid":959,"slug":964,"url":965,"full_slug":965,"_stopResolving":72},{"tag":25,"_uid":1537,"hide":27,"icon":1538,"link":1540,"type":25,"label":1542,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"b19cf668-817c-4adc-b839-8635ff2f977e",{"id":969,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":970,"copyright":25,"fieldtype":26,"meta_data":1539,"is_external_url":27},{},{"id":973,"url":25,"linktype":358,"fieldtype":884,"cached_url":974,"story":1541},{"name":976,"id":977,"uuid":973,"slug":978,"url":974,"full_slug":974,"_stopResolving":72},"Intelligence & Automation",{"tag":25,"_uid":1544,"hide":27,"icon":1545,"link":1547,"type":25,"label":993,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"49c8595b-725e-49b7-9375-09b3a5cecbbd",{"id":983,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":984,"copyright":25,"fieldtype":26,"meta_data":1546,"is_private":27,"is_external_url":27},{},{"id":987,"url":25,"linktype":358,"fieldtype":884,"cached_url":988,"story":1548},{"name":990,"id":991,"uuid":987,"slug":992,"url":988,"full_slug":988,"_stopResolving":72},{"tag":25,"_uid":1550,"icon":1551,"link":1553,"type":25,"label":1007,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"977a634d-082c-4387-8112-d3cfc025cc21",{"id":997,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":998,"copyright":25,"fieldtype":26,"meta_data":1552,"is_external_url":27},{},{"id":1001,"url":25,"linktype":358,"fieldtype":884,"cached_url":1002,"story":1554},{"name":1004,"id":1005,"uuid":1001,"slug":1006,"url":1002,"full_slug":1002,"_stopResolving":72},{"tag":25,"_uid":1556,"icon":1557,"link":1559,"type":25,"label":1018,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"75918215-79bd-4d1e-8d6a-0f934a37adaa",{"id":1011,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1012,"copyright":25,"fieldtype":26,"meta_data":1558,"is_external_url":27},{},{"id":1015,"url":25,"linktype":358,"fieldtype":884,"cached_url":1016,"story":1560},{"name":1018,"id":1019,"uuid":1015,"slug":1020,"url":1016,"full_slug":1016,"_stopResolving":72},{"tag":25,"_uid":1562,"hide":27,"icon":1563,"link":1565,"type":25,"label":1064,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"6ceacb70-4395-4d46-a104-52bcbb12549a",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1564},{},{"id":1061,"url":25,"linktype":358,"fieldtype":884,"cached_url":1062,"story":1566},{"name":1064,"id":1065,"uuid":1061,"slug":1062,"url":1062,"full_slug":1062,"_stopResolving":72},{"tag":25,"_uid":1568,"hide":27,"icon":1569,"link":1571,"type":25,"label":1360,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"aaf8481c-eaf9-49d6-bbf8-294414629527",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1570},{},{"id":1357,"url":25,"linktype":358,"fieldtype":884,"cached_url":1358,"story":1572},{"name":1360,"id":1361,"uuid":1357,"slug":1358,"url":1358,"full_slug":1358,"_stopResolving":72},{"tag":25,"_uid":1574,"hide":27,"icon":1575,"link":1577,"type":25,"label":1579,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"9ac83939-1d0e-4acd-a388-b7e84d5fe919",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1576},{},{"id":25,"url":1578,"linktype":45,"fieldtype":884,"cached_url":1578},"https://trust.spendesk.com/","Trust Center","Platform",{"_uid":1582,"ctas":1583,"label":1079,"component":947,"backgroundIconColor":25},"a5692a00-27ae-4696-a7e1-1634fdadec5f",[1584,1590,1595,1601,1607,1613,1619,1625,1631,1637,1643,1650],{"tag":25,"_uid":1585,"hide":27,"icon":1586,"link":1588,"type":25,"label":1076,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"51465f21-aec8-4db0-8abf-a7642c30c371",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1587},{},{"id":1070,"url":25,"linktype":358,"fieldtype":884,"cached_url":1071,"story":1589},{"name":1073,"id":1074,"uuid":1070,"slug":1075,"url":1071,"full_slug":1071,"_stopResolving":72},{"tag":25,"_uid":1591,"icon":1592,"link":1593,"type":25,"label":1097,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"d8b26908-181b-4ad4-ac37-10378e37c224",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":44,"copyright":44,"fieldtype":26},{"id":1091,"url":25,"linktype":358,"fieldtype":884,"cached_url":1092,"story":1594},{"name":1094,"id":1095,"uuid":1091,"slug":1096,"url":1092,"full_slug":1092,"_stopResolving":72},{"tag":25,"_uid":1596,"hide":27,"icon":1597,"link":1599,"type":25,"label":1111,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"82afa5ce-ceec-4f5f-8fa9-3f3c3f2ffee6",{"id":1101,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1102,"copyright":25,"fieldtype":26,"meta_data":1598,"is_external_url":27},{},{"id":1105,"url":25,"linktype":358,"fieldtype":884,"cached_url":1106,"story":1600},{"name":1108,"id":1109,"uuid":1105,"slug":1110,"url":1106,"full_slug":1106,"_stopResolving":72},{"tag":25,"_uid":1602,"hide":27,"icon":1603,"link":1605,"type":25,"label":1124,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"bc6ea1e5-e214-4c5b-891b-97f3a463ab96",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1604},{},{"id":1119,"url":25,"linktype":358,"fieldtype":884,"cached_url":1120,"story":1606},{"name":1122,"id":1123,"uuid":1119,"slug":1120,"url":1120,"full_slug":1120,"_stopResolving":72},{"tag":25,"_uid":1608,"hide":27,"icon":1609,"link":1611,"type":25,"label":1135,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"a4cbb496-40d2-47fe-a675-0be9c945ac68",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1610},{},{"id":1132,"url":25,"linktype":358,"fieldtype":884,"cached_url":1133,"story":1612},{"name":1135,"id":1136,"uuid":1132,"slug":1137,"url":1133,"full_slug":1133,"_stopResolving":72},{"tag":25,"_uid":1614,"hide":27,"icon":1615,"link":1617,"type":25,"label":1151,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"c6d3959b-8fdc-4fe9-a7f3-52f49ecbe443",{"id":969,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":970,"copyright":25,"fieldtype":26,"meta_data":1616,"is_external_url":27},{},{"id":1148,"url":25,"linktype":358,"fieldtype":884,"cached_url":1149,"story":1618},{"name":1151,"id":1152,"uuid":1148,"slug":1149,"url":1149,"full_slug":1149,"_stopResolving":72},{"tag":25,"_uid":1620,"hide":27,"icon":1621,"link":1623,"type":25,"label":1165,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"c39d3fa4-a923-42b8-9d7c-0b9b936c5bcc",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1622},{},{"id":1160,"url":25,"linktype":358,"fieldtype":884,"cached_url":1161,"story":1624},{"name":1163,"id":1164,"uuid":1160,"slug":1161,"url":1161,"full_slug":1161,"_stopResolving":72},{"tag":25,"_uid":1626,"hide":27,"icon":1627,"link":1629,"type":25,"label":1176,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"240f0a34-aa81-43d6-bda7-2d971d0d57b7",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1628},{},{"id":1173,"url":25,"linktype":358,"fieldtype":884,"cached_url":1174,"story":1630},{"name":1176,"id":1177,"uuid":1173,"slug":1178,"url":1174,"full_slug":1174,"_stopResolving":72},{"tag":25,"_uid":1632,"hide":72,"icon":1633,"link":1635,"type":25,"label":1192,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"34303990-7e9e-493a-b31b-0dec6d2c9350",{"id":1182,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1183,"copyright":25,"fieldtype":26,"meta_data":1634,"is_external_url":27},{},{"id":1186,"url":25,"linktype":358,"fieldtype":884,"cached_url":1187,"story":1636},{"name":1189,"id":1190,"uuid":1186,"slug":1191,"url":1187,"full_slug":1187,"_stopResolving":72},{"tag":25,"_uid":1638,"icon":1639,"link":1641,"type":25,"label":1203,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"bdd90120-f369-405f-8e86-565a0cb8bebc",{"id":922,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":923,"copyright":25,"fieldtype":26,"meta_data":1640,"is_external_url":27},{},{"id":1198,"url":25,"linktype":358,"fieldtype":884,"cached_url":1199,"story":1642},{"name":1201,"id":1202,"uuid":1198,"slug":1201,"url":1199,"full_slug":1199,"_stopResolving":72},{"tag":25,"_uid":1644,"hide":27,"icon":1645,"link":1647,"type":25,"label":1649,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72,"horizontalFill":27},"1e38a088-1716-44d2-91c9-b42a77573314",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1646},{},{"id":25,"url":1648,"linktype":45,"fieldtype":884,"cached_url":1648},"https://www.cfoconnect.eu/","CFO Connect",{"tag":25,"_uid":1651,"hide":27,"icon":1652,"link":1654,"type":25,"label":1344,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"729e5d8c-44e2-4878-abfd-74b1064926c4",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":1653},{},{"id":25,"url":1655,"linktype":45,"fieldtype":884,"cached_url":1655},"https://helpcenter.spendesk.com/en/",{"_uid":1657,"ctas":1658,"label":1239,"component":947,"backgroundIconColor":25},"a55f4bc1-606b-46eb-a94d-b098cfcbf0c3",[1659,1665,1670,1676,1682],{"tag":25,"_uid":1660,"hide":27,"icon":1661,"link":1663,"type":25,"label":1254,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"3bbaa99b-a011-4bb0-b8a4-4155a0f67899",{"id":997,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":998,"copyright":25,"fieldtype":26,"meta_data":1662,"is_private":27,"is_external_url":27},{},{"id":1249,"url":25,"linktype":358,"fieldtype":884,"cached_url":1250,"story":1664},{"name":1252,"id":1253,"uuid":1249,"slug":1250,"url":1250,"full_slug":1250,"_stopResolving":72},{"tag":25,"_uid":1666,"hide":27,"icon":1667,"link":1669,"type":25,"label":1263,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"fa32c6df-1ed1-4b6f-9521-f251c5d79dd4",{"id":1258,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1259,"copyright":25,"fieldtype":26,"meta_data":1668,"is_external_url":27},{},{"id":25,"url":1262,"linktype":45,"fieldtype":884,"cached_url":1262},{"tag":25,"_uid":1671,"hide":27,"icon":1672,"link":1674,"type":25,"label":1277,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"b6549fad-eb8f-4dba-a791-37ba72450943",{"id":1267,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1268,"copyright":25,"fieldtype":26,"meta_data":1673,"is_external_url":27},{},{"id":1271,"url":25,"linktype":358,"fieldtype":884,"cached_url":1272,"story":1675},{"name":1274,"id":1275,"uuid":1271,"slug":1276,"url":1272,"full_slug":1272,"_stopResolving":72},{"tag":25,"_uid":1677,"hide":27,"icon":1678,"link":1680,"type":25,"label":1291,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"6eed8aa0-be5f-4b19-b267-de46368f3dcd",{"id":1284,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1285,"copyright":25,"fieldtype":26,"meta_data":1679,"is_private":27,"is_external_url":27},{},{"id":1288,"url":25,"linktype":358,"fieldtype":884,"cached_url":1289,"story":1681},{"name":1291,"id":1292,"uuid":1288,"slug":1293,"url":1289,"full_slug":1289,"_stopResolving":72},{"tag":25,"_uid":1683,"hide":27,"icon":1684,"link":1686,"type":25,"label":1304,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"58e6df6a-1e1d-4c37-b4eb-6e8911fcc58e",{"id":1297,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1298,"copyright":25,"fieldtype":26,"meta_data":1685,"is_private":27,"is_external_url":27},{},{"id":1301,"url":25,"linktype":358,"fieldtype":884,"cached_url":1302,"story":1687},{"name":1304,"id":1305,"uuid":1301,"slug":1302,"url":1302,"full_slug":1302,"_stopResolving":72},"footer",[1690,1698],{"tag":25,"_uid":1691,"hide":27,"icon":1692,"link":1696,"type":25,"label":25,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"225df49b-7d21-46c3-986a-89b609d15540",{"id":1693,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1694,"copyright":25,"fieldtype":26,"meta_data":1695,"is_external_url":27},173615012056826,"https://a.storyblok.com/f/146026/3840x1138/df5342ecf7/app-store.png",{},{"id":25,"url":1697,"linktype":45,"fieldtype":884,"cached_url":1697},"https://apps.apple.com/gb/app/spendesk/id1189271166",{"tag":25,"_uid":1699,"hide":27,"icon":1700,"link":1704,"type":25,"label":25,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"304ab845-c02d-4797-ac5d-b731333ea7dd",{"id":1701,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1702,"copyright":25,"fieldtype":26,"meta_data":1703,"is_external_url":27},173615379803939,"https://a.storyblok.com/f/146026/3840x1138/74c7cdcd5e/play-store.png",{},{"id":25,"url":1705,"linktype":45,"fieldtype":884,"cached_url":1705},"https://play.google.com/store/apps/details?id=com.spendesk.spendesk",[1707,1713,1725,1735,1745,1751],{"tag":25,"_uid":1708,"icon":1709,"link":1710,"type":25,"label":1712,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27},"18c52dc1-2550-498e-947d-ad963cf65b82",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":1409,"url":25,"linktype":358,"fieldtype":884,"cached_url":1410,"story":1711},{"name":1412,"id":1413,"uuid":1409,"slug":1410,"url":1410,"full_slug":1410,"_stopResolving":72},"© Spendesk",{"tag":25,"_uid":1714,"icon":1715,"link":1716,"type":25,"label":1724,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"e04f239b-a66b-4a6e-a5aa-98e51dc8ed87",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":1717,"url":25,"linktype":358,"fieldtype":884,"cached_url":1718,"story":1719},"9ab6c86b-54a0-4c11-815c-fabbc1170f1a","legals/terms",{"name":1720,"id":1721,"uuid":1717,"slug":1722,"url":1723,"full_slug":1723,"_stopResolving":72},"T&C index page",126275944,"terms","legals/terms/","Terms of Service",{"tag":25,"_uid":1726,"icon":1727,"link":1728,"type":25,"label":1732,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"8ce65fa2-298d-48d3-813f-ad303b474ba9",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":1729,"url":25,"linktype":358,"fieldtype":884,"cached_url":1730,"story":1731},"79cf9763-fbf7-44fc-b713-7375d45cc602","legals/privacy",{"name":1732,"id":1733,"uuid":1729,"slug":1734,"url":1730,"full_slug":1730,"_stopResolving":72},"Privacy Policy",126276104,"privacy",{"tag":25,"_uid":1736,"icon":1737,"link":1738,"type":25,"label":1742,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"4102590b-cbea-46dc-a189-9d8f7a6b918d",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":1739,"url":25,"linktype":358,"fieldtype":884,"cached_url":1740,"story":1741},"48c66e1a-a010-45ab-824d-e2fe67bdc73b","legals/cookies-policy",{"name":1742,"id":1743,"uuid":1739,"slug":1744,"url":1740,"full_slug":1740,"_stopResolving":72},"Cookies Policy",156606099,"cookies-policy",{"tag":25,"_uid":1746,"icon":1747,"link":1748,"type":25,"label":1750,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"a04b6ac0-49a7-4255-8df7-25607c934f2b",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":25,"url":1749,"linktype":45,"fieldtype":884,"cached_url":1749},"https://helpcenter.spendesk.com/en/articles/4168878-our-legal-notice","Legal Notice",{"tag":25,"_uid":1752,"hide":27,"icon":1753,"link":1754,"type":25,"label":1756,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"13ba1af3-98e6-4327-9fd1-0d23d1d77f28",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":25,"url":1755,"linktype":45,"fieldtype":884,"cached_url":1755},"openConsentManager.action","Cookie Settings",[1758,1763,1768,1773,1778],{"tag":25,"_uid":1759,"icon":1760,"link":1762,"type":25,"label":25,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"b8ae0710-0ec7-4295-a29f-077356785735",{"id":1367,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1368,"copyright":25,"fieldtype":26,"meta_data":1761,"is_external_url":27},{},{"id":25,"url":1371,"linktype":45,"fieldtype":884,"cached_url":1371},{"tag":25,"_uid":1764,"icon":1765,"link":1767,"type":25,"label":25,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"ba7893c6-6da5-49f9-860d-c9a859f7d1c7",{"id":1375,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1376,"copyright":25,"fieldtype":26,"meta_data":1766,"is_private":27,"is_external_url":27},{},{"id":25,"url":1379,"linktype":45,"fieldtype":884,"cached_url":1379},{"tag":25,"_uid":1769,"icon":1770,"link":1772,"type":25,"label":25,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"acea7ba4-1c98-4646-8648-cc6c8283efb6",{"id":1383,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1384,"copyright":25,"fieldtype":26,"meta_data":1771,"is_private":27,"is_external_url":27},{},{"id":25,"url":1387,"linktype":45,"fieldtype":884,"cached_url":1387},{"tag":25,"_uid":1774,"icon":1775,"link":1777,"type":25,"label":25,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"c9f2572b-c12f-49af-bef8-18e30f455bec",{"id":1391,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1392,"copyright":25,"fieldtype":26,"meta_data":1776,"is_private":27,"is_external_url":27},{},{"id":25,"url":1395,"linktype":45,"fieldtype":884,"cached_url":1395},{"tag":25,"_uid":1779,"hide":27,"icon":1780,"link":1782,"type":25,"label":25,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":72,"horizontalFill":27},"17d82410-d4b0-45ca-b555-6942ae3c15a2",{"id":1399,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1400,"copyright":25,"fieldtype":26,"meta_data":1781,"is_private":27,"is_external_url":27},{},{"id":25,"url":1403,"linktype":45,"fieldtype":884,"cached_url":1403},[1784],{"_uid":1785,"fields":1786,"component":1817,"submitUrl":1818,"hubspotFormId":1819,"successMessage":1820,"horizontalAlign":25,"onSubmitSegmentEvent":1821},"b2ae7250-4af9-4eb3-be82-7d6f594a0049",[1787],{"_uid":1788,"name":1789,"type":38,"label":1790,"required":72,"component":1791,"submitBtn":1792,"legalNotice":1793,"placeholder":25,"validateEmail":72,"blockPersonalEmailAddresses":27},"96a2a670-a75c-4d4e-bd95-a8907909d223","email","Your email address","textField","Subscribe",{"type":32,"content":1794},[1795],{"type":35,"content":1796},[1797,1799,1808,1810,1816],{"text":1798,"type":38},"By submitting this form, you agree to be contacted by Spendesk - in accordance with Spendesk's ",{"text":1800,"type":38,"marks":1801},"Terms of Use",[1802],{"type":41,"attrs":1803},{"href":1804,"uuid":1717,"anchor":44,"custom":1805,"target":1806,"linktype":358,"story":1807},"/legals/terms","[object Object]","_blank",{"name":1720,"id":1721,"uuid":1717,"slug":1722,"url":1723,"full_slug":1723,"_stopResolving":72},{"text":1809,"type":38}," and ",{"text":1732,"type":38,"marks":1811},[1812],{"type":41,"attrs":1813},{"href":1814,"uuid":1729,"anchor":44,"custom":1805,"target":1806,"linktype":358,"story":1815},"/legals/privacy",{"name":1732,"id":1733,"uuid":1729,"slug":1734,"url":1730,"full_slug":1730,"_stopResolving":72},{"text":142,"type":38},"formGroup",{"id":25,"url":25,"linktype":358,"fieldtype":884,"cached_url":25},"8b1b128b-c02a-41d9-a512-63e778c062c6","Success","website:footer:blog_newsletter:form_completed",[1823],{"tag":25,"_uid":1824,"hide":27,"icon":1825,"link":1829,"type":25,"label":25,"style":891,"component":892,"mobileLabel":25,"onClickEvent":25,"openInANewTab":27,"horizontalFill":27},"60403492-9eb8-4b6c-95a2-ec45ca7b13ee",{"id":1826,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1827,"copyright":25,"fieldtype":26,"meta_data":1828,"is_external_url":27},15634686,"https://a.storyblok.com/f/146026/69x22/4d9cde3045/visa.svg",{},{"id":25,"url":1830,"linktype":45,"fieldtype":884,"cached_url":1830},"https://helpcenter.spendesk.com/en/articles/8850615-before-after-what-s-changed-regarding-spendesk-your-visa-business-premium-cards","Never miss an update",{"type":32,"content":1833},[1834],{"type":35,"content":1835},[1836],{"text":1837,"type":38},"Empower your team with the complete spend management solution","Subscribe to receive the freshest subscription resources from Spendesk.",{"type":32,"content":1840},[1841,1845,1849],{"type":35,"content":1842},[1843],{"text":1844,"type":38},"Payments services are provided as part of the Spendesk product by Spendesk Financial Services in the EEA, by Adyen in the UK and by Sutton Bank in the US.",{"type":35,"content":1846},[1847],{"text":1848,"type":38},"Spendesk Financial Services is a French payment institution licensed by the ACPR under number 17518. Adyen N.V. is a Dutch bank, whose UK branch is licensed by the FCA to provide payment services under number 779800. Sutton Bank is an FDIC insured member institution.",{"type":35,"content":1850},[1851],{"text":1852,"type":38},"Visa debit cards are issued by Spendesk Financial Services in the EEA, by Adyen in the UK and by Sutton Bank in the US, pursuant to a license from Visa.","global-components/footer",-10,[],"8637d535-2095-4870-baed-1138fa7e786e","2022-03-24T16:23:19.302Z",[],[1860,1861,1862],{"path":1853,"name":44,"lang":67,"published":44},{"path":1853,"name":44,"lang":69,"published":44},{"path":1853,"name":44,"lang":71,"published":44},{"name":1864,"created_at":1865,"published_at":1866,"updated_at":1867,"id":1868,"uuid":1869,"content":1870,"slug":2031,"full_slug":2032,"sort_by_date":44,"position":2033,"tag_list":2034,"is_startpage":27,"parent_id":1474,"meta_data":44,"group_id":2035,"first_published_at":2036,"release_id":44,"lang":63,"path":44,"alternates":2037,"default_full_slug":2032,"translated_slugs":2038},"Common Content","2022-06-07T08:36:57.529Z","2026-10-22T14:55:39.232Z","2026-10-22T14:55:39.250Z",146453805,"fdf08e93-c532-4aac-bc09-a68c69394432",{"_uid":1871,"modalBtn":1872,"component":1873,"modalTitle":1874,"countdownDay":1875,"modalContent":1876,"modalSuccess":1888,"countdownHour":1889,"hubspotFormId":1890,"countdownLabel":1891,"formErrorTitle":1892,"countdownMinute":1893,"countdownSecond":1894,"eventsLiveLabel":1895,"eventsViewLabel":1896,"formErrorButton":1897,"selectNoOptions":1898,"eventsWatchLabel":1899,"copyPromptLibrary":1900,"eventsReplayLabel":1901,"formErrorSubtitle":1902,"eventsResultsLabel":1903,"blogAuthorResources":1904,"byRolePromptLibrary":1905,"copiedPromptLibrary":1906,"eventsAllTypesLabel":1907,"eventsJoinNextLabel":1908,"eventsLoadMoreLabel":1909,"eventsRegisterLabel":1910,"selectedPricingPage":1911,"yourPlanPricingPage":1912,"byTopicPromptLibrary":1913,"eventsAllTopicsLabel":1914,"allRolesPromptLibrary":1915,"eventsTypeFilterLabel":1916,"modalEmailPlaceholder":1917,"allTopicsPromptLibrary":1918,"emailValidationInvalid":1919,"eventsTopicFilterLabel":1920,"imageItemsListNoResult":1921,"noResultsPromptLibrary":1922,"phoneValidationInvalid":1923,"blogLoadMoreButtonLabel":1909,"eventsReplayPosterLabel":1924,"itemsFoundPromptLibrary":1925,"blogArticleUpdatedAtLabel":1926,"blogArticleWatchTimeLabel":1927,"clearFiltersPromptLibrary":1928,"modalExistingAccountTitle":1929,"modalExistingCompanyTitle":1930,"modalForExistingCustomers":1931,"organizationSchemaOffices":1938,"blogArticleListenTimeLabel":1927,"cardsGridSearchPlaceholder":1991,"blogArticlePublishedOnLabel":1992,"blogArticleReadingTimeLabel":1927,"emailValidationInvalidExist":1993,"modalForUnsupportedCountries":1994,"emailValidationInvalidInvited":2000,"organizationSchemaDescription":2001,"organizationSchemaContactEmail":2002,"modalExistingAccountDescription":2003,"modalExistingCompanyDescription":2019,"emailValidationInvalidDomainName":2025,"multiSelectDropdownSelectedLabel":2026,"softwareApplicationSchemaRatingCount":2027,"softwareApplicationSchemaRatingValue":2028,"emailValidationInvalidUnexpectedError":2029,"emailValidationInvalidCompanyRegistered":2030},"c86a540c-0da7-40e9-a9a5-5053e71081de","Submit","commonContent","Spendesk is not available in your country yet","Days",{"type":32,"content":1877},[1878,1883],{"type":35,"attrs":1879,"content":1880},{"textAlign":44},[1881],{"text":1882,"type":38},"It looks like you’re in a country we don’t currently serve. However, if you have a business in the European Economic Area or the United Kingdom, we can work with you, and you can book a demo.",{"type":35,"attrs":1884,"content":1885},{"textAlign":44},[1886],{"text":1887,"type":38},"Otherwise, enter your email below, and we’ll let you know when we can help in your country.","Thanks for submitting the form","Hours","b095740c-b878-41dd-9a7b-f393d2e4de30","Events starts in","Oops, something went wrong…","Minutes","Seconds","Upcoming","See the event","Try again","No Options Here!","Watch replay","Copy prompt","Replay","An error occurred while submitting the form. Make sure to disable your browser’s ad blockers, and try again.","{count} events","{firstName}'s resources","By Role","Copied!","All","Join the next one","Load more","Register","Selected","Your plan","By Topic","All topics","All Roles","Filter by type","Work email address","All Topics","Invalid email address","Filter by topic","No results","No prompts match these filters. Try clearing them.","Invalid phone number","Watch the full replay","found","Updated on","min","Clear filters","You already have a Spendesk account","Your company already has a Spendesk account",{"type":32,"content":1932},[1933,1937],{"type":35,"content":1934},[1935],{"text":1936,"type":38},"It looks like your company already has a Spendesk account. Please request access from your finance team.",{"type":35},[1939,1955,1967,1979],{"cta":1940,"_uid":1947,"image":1948,"title":1952,"subtitle":1953,"component":1954},[1941],{"tag":25,"_uid":1942,"icon":1943,"link":1944,"type":25,"label":1946,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"27667f76-0f06-4f10-9e17-a5fb46eb51eb",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":25,"url":1945,"linktype":45,"fieldtype":884,"cached_url":1945},"https://www.google.com/maps/place/Spendesk/@48.878282,2.3229527,17z/data=!3m1!4b1!4m5!3m4!1s0x47e66dde28328977:0xc584517ccc2c3038!8m2!3d48.8782785!4d2.3251414","Map","ae40634e-f543-4194-ad8b-b80fb446e253",{"id":1949,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1950,"copyright":25,"fieldtype":26,"meta_data":1951,"is_external_url":27},16726400,"https://a.storyblok.com/f/146026/32x32/991bcc40dc/icon-location-32px-bright-purple-filled.svg",{},"Paris, FR","7 Rue de Madrid, 75008","officeLocationsItem",{"cta":1956,"_uid":1962,"image":1963,"title":1965,"subtitle":1966,"component":1954},[1957],{"tag":25,"_uid":1958,"icon":1959,"link":1960,"type":25,"label":1946,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"b4c061b1-4c53-40fe-88e9-786150dc1f48",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":25,"url":1961,"linktype":45,"fieldtype":884,"cached_url":1961},"https://maps.app.goo.gl/9pFn7ohL5zdGnC3H6","41ed7761-debf-40b7-bd75-e2389bfb20dc",{"id":1949,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1950,"copyright":25,"fieldtype":26,"meta_data":1964,"is_external_url":27},{},"London, GB","168 Old Street, EC1V 9BP",{"cta":1968,"_uid":1974,"image":1975,"title":1977,"subtitle":1978,"component":1954},[1969],{"tag":25,"_uid":1970,"icon":1971,"link":1972,"type":25,"label":1946,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"38c45a5f-f897-4567-9b07-94da07c069c6",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":25,"url":1973,"linktype":45,"fieldtype":884,"cached_url":1973},"https://maps.app.goo.gl/1sRofgrfatSwRecbA","b69cb15c-bf2d-4d26-9514-1b4301fa22f0",{"id":1949,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1950,"copyright":25,"fieldtype":26,"meta_data":1976,"is_external_url":27},{},"Berlin, DE","Warschauer Pl. 11-13, 10245",{"cta":1980,"_uid":1986,"image":1987,"title":1989,"subtitle":1990,"component":1954},[1981],{"tag":25,"_uid":1982,"icon":1983,"link":1984,"type":25,"label":1946,"style":891,"component":892,"onClickEvent":25,"openInANewTab":72},"e45749e6-59bb-4c57-a078-bd965da09b48",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":25,"copyright":44,"fieldtype":26},{"id":25,"url":1985,"linktype":45,"fieldtype":884,"cached_url":1985},"https://www.google.fr/maps/place/P.%C2%BA+de+la+Castellana,+194,+28046+Madrid,+Espagne/@40.461669,-3.6916388,17z/data=!3m1!4b1!4m6!3m5!1s0xd42291a4a992797:0x841e7e5325bcf405!8m2!3d40.461669!4d-3.6890639!16s%2Fg%2F11c1_kdlzk?entry=ttu","acb64cc8-ddee-4be7-814c-25ce7afba6e5",{"id":1949,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":1950,"copyright":25,"fieldtype":26,"meta_data":1988,"is_external_url":27},{},"Barcelona, ES","Carrer de Rera Palau, 11, Planta 5, Ciutat Vella, 08003","Type here","Published on","Sorry, it looks like you already have a Spendesk account.",{"type":32,"content":1995},[1996],{"type":35,"content":1997},[1998],{"text":1999,"type":38},"It looks like you're in a country we don't currently serve. Enter your email below and we'll let you know when we can help.","It looks like you have already been invited to Spendesk. Please check your emails or ask your admin to resend the invitation.","Spendesk is an all-in-one spend management and procurement platform that helps businesses manage corporate cards, invoice payments, subscriptions and company spend in real time.","support@spendesk.com",{"type":32,"content":2004},[2005,2009,2018],{"type":35,"content":2006},[2007],{"text":2008,"type":38},"There is already a Spendesk account associated with this email address. Click the link below to log in.",{"type":171,"attrs":2010},{"id":2011,"body":2012},"2f29aeb2-e646-4f49-90e1-6deabd2d7c33",[2013],{"tag":25,"_uid":2014,"icon":25,"link":2015,"type":2017,"label":1307,"style":891,"component":892,"onClickEvent":25,"openInANewTab":27,"horizontalFill":72},"i-54f06f4e-0b0e-4959-a534-078d044f5515",{"id":25,"url":2016,"linktype":45,"cached_url":2016},"https://app.spendesk.com/auth/login","btn",{"type":35},{"type":32,"content":2020},[2021,2024],{"type":35,"content":2022},[2023],{"text":1936,"type":38},{"type":35},"This looks like your personal email. Please enter your professional email address.","selected","412","4.6","Sorry, an unexpected error happened. Please retry later or contact support for help.","This company is already registered. Please contact your admin.","commoncontent","global-components/commoncontent",-30,[],"426c6c03-a0cf-4332-9288-22e88c385143","2022-06-07T09:23:48.804Z",[],[2039,2040,2041],{"path":2032,"name":44,"lang":67,"published":44},{"path":2032,"name":44,"lang":69,"published":44},{"path":2032,"name":44,"lang":71,"published":44},[2043,2047,2051,2055,2059,2063,2067,2071,2075],{"id":2044,"name":2045,"value":2046,"dimension_value":44},10736153,"Amplitude (Actions)","Sk9kb5VoOi-7",{"id":2048,"name":2049,"value":2050,"dimension_value":44},10736154,"Google Analytics 4 Web","HkocEodjb7",{"id":2052,"name":2053,"value":2054,"dimension_value":44},10736155,"Intercom","ryDQcVoOoZQ",{"id":2056,"name":2057,"value":2058,"dimension_value":44},10736156,"HubSpot","ry0QcNodoWQ",{"id":2060,"name":2061,"value":2062,"dimension_value":44},10736157,"Facebook Pixel","ko1w5PpFl",{"id":2064,"name":2065,"value":2066,"dimension_value":44},10736159,"Facebook Conversions API (Actions)","hMRPcifE3",{"id":2068,"name":2069,"value":2070,"dimension_value":44},10736765,"Bing Ads","dsS7z9Hv4",{"id":2072,"name":2073,"value":2074,"dimension_value":44},10736882,"LinkedIn Insight Tag","JQ2XQxIk",{"id":2076,"name":2077,"value":2078,"dimension_value":44},190238565984863,"StackAdapt","HJ5nxcEiOjZm",{"_uid":2080,"component":2081,"sidebarCta":2082,"exitModalPopup":2123,"newsletterForm":2124,"newsletterTitle":2149,"bottomArticleCta":2150,"moreArticlesLabel":2179,"breadcrumbBlogLink":2180,"newsletterSubtitle":2182,"breadcrumbBlogLabel":1097,"breadcrumbArticleLabel":737,"hiddenNewsletterOnTopics":2183,"componentsAfterTheArticle":2186,"moreArticlesLabelFallback":2339,"sidebarTableOfContentsLabel":2340},"55aaa7a8-90eb-4bfc-82d2-fac89f2d77fb","blogArticleGlobal",[2083],{"cta":2084,"_uid":2092,"image":2093,"title":2097,"subtitle":2121,"component":2122},[2085],{"tag":25,"_uid":2086,"hide":27,"icon":2087,"link":2089,"type":25,"label":1425,"style":891,"component":892,"mobileLabel":25,"onClickEvent":2091,"openInANewTab":27,"horizontalFill":27},"1044c89e-408a-4543-acbd-f3b05e79fc22",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":2088},{},{"id":1419,"url":25,"linktype":358,"fieldtype":884,"cached_url":1420,"story":2090},{"name":1422,"id":1423,"uuid":1419,"slug":1424,"url":1420,"full_slug":1420,"_stopResolving":72},"website:blog_sidebar_button:clicked","f7a8e7d9-9cbe-43aa-8797-3cff6be1ffc2",{"id":2094,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":2095,"copyright":25,"fieldtype":26,"meta_data":2096,"is_external_url":27},141863894965290,"https://a.storyblok.com/f/146026/2471x1843/baa22902e7/image-spendesk-product-1-cropped.png",{},{"type":32,"content":2098},[2099],{"type":35,"attrs":2100,"content":2101},{"textAlign":44,"key":1042},[2102,2112,2114],{"text":2103,"type":38,"marks":2104},"Spend smarter. ",[2105,2108],{"type":2106,"attrs":2107},"textStyle",{"color":25},{"type":2109,"attrs":2110},"styled",{"class":2111},"text-item-heading text-item-heading-md",{"type":2113},"hard_break",{"text":2115,"type":38,"marks":2116},"Work better.",[2117,2119],{"type":2106,"attrs":2118},{"color":25},{"type":2109,"attrs":2120},{"class":2111},"Bring cards, invoices and expenses into one controlled flow, so you get real-time visibility and a faster close.","ctaBlock",[],[2125],{"_uid":2126,"fields":2127,"component":1817,"submitUrl":2147,"hubspotFormId":1819,"successMessage":1820,"horizontalAlign":25,"onSubmitSegmentEvent":2148},"631b3bd4-d4d7-468c-a4b2-8dbe164362b8",[2128],{"_uid":2129,"name":1789,"type":38,"label":1790,"required":72,"component":1791,"submitBtn":1792,"legalNotice":2130,"placeholder":25,"validateEmail":72,"blockPersonalEmailAddresses":27},"cc924123-e126-4829-a72a-43fcf863a045",{"type":32,"content":2131},[2132],{"type":35,"content":2133},[2134,2135,2140,2141,2146],{"text":1798,"type":38},{"text":1800,"type":38,"marks":2136},[2137],{"type":41,"attrs":2138},{"href":1804,"uuid":1717,"anchor":44,"custom":1805,"target":1806,"linktype":358,"story":2139},{"name":1720,"id":1721,"uuid":1717,"slug":1722,"url":1723,"full_slug":1723,"_stopResolving":72},{"text":1809,"type":38},{"text":1732,"type":38,"marks":2142},[2143],{"type":41,"attrs":2144},{"href":1814,"uuid":1729,"anchor":44,"custom":1805,"target":1806,"linktype":358,"story":2145},{"name":1732,"id":1733,"uuid":1729,"slug":1734,"url":1730,"full_slug":1730,"_stopResolving":72},{"text":142,"type":38},{"id":25,"url":25,"linktype":358,"fieldtype":884,"cached_url":25},"website:article:blog_newsletter:form_completed","Enjoying what you're reading?",[2151],{"cta":2152,"_uid":2165,"image":2166,"title":2168,"subtitle":2178,"component":2122},[2153],{"tag":25,"_uid":2154,"hide":27,"icon":2155,"link":2157,"type":25,"label":2163,"style":891,"component":892,"mobileLabel":25,"onClickEvent":2164,"openInANewTab":27,"horizontalFill":27},"9cd3ad49-6a07-48f7-9aa3-34022fabf2d5",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"source":44,"filename":25,"copyright":44,"fieldtype":26,"meta_data":2156},{},{"id":2158,"url":25,"linktype":358,"fieldtype":884,"cached_url":2159,"story":2160},"0e21aea9-1207-42a1-93a5-48a5a547b5d4","platform-tour",{"name":2161,"id":2162,"uuid":2158,"slug":2159,"url":2159,"full_slug":2159,"_stopResolving":72},"Platform tour",413550505,"Get a free tour","website:blog_bottom_cta_block:clicked","ebce360c-a91d-46ab-8653-18bd86bb08be",{"id":44,"alt":44,"name":25,"focus":44,"title":44,"filename":44,"copyright":44,"fieldtype":26,"meta_data":2167,"is_external_url":27},{},{"type":32,"content":2169},[2170],{"type":35,"attrs":2171,"content":2172},{"textAlign":44,"key":1042},[2173],{"text":2174,"type":38,"marks":2175},"Curious how Spendesk works?",[2176],{"type":2109,"attrs":2177},{"class":2111},"Try an interactive demo to see spend control and approvals end-to-end.","More reads on",{"id":1091,"url":25,"linktype":358,"fieldtype":884,"cached_url":1092,"story":2181},{"name":1094,"id":1095,"uuid":1091,"slug":1096,"url":1092,"full_slug":1092,"_stopResolving":72},"We publish new articles like this every week. Subscribe to our newsletter to stay informed.",[2184,2185],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2187],{"cta":2188,"_uid":2189,"items":2190,"heading":2317,"reverse":27,"component":834,"sectionSettings":2338},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2191,2260],{"_uid":2192,"title":2193,"component":782,"description":2194},"dfc0accd-ab64-464a-8597-b76754748f04","What is spend management?",{"type":32,"content":2195},[2196,2200],{"type":35,"content":2197},[2198],{"text":2199,"type":38},"Business spending includes different types of spend:",{"type":2201,"attrs":2202,"content":2205},"ordered_list",{"order":2203},{"order":2204},1,[2206,2217,2228],{"type":648,"content":2207},[2208],{"type":35,"content":2209},[2210,2214,2216],{"text":2211,"type":38,"marks":2212},"Strategic",[2213],{"type":157},{"text":2215,"type":38}," spend is usually centralized and managed by C-level executives with dedicated spenders. It can be managed through invoices, wire transfers and purchase orders.",{"type":2113},{"type":648,"content":2218},[2219],{"type":35,"content":2220},[2221,2225,2227],{"text":2222,"type":38,"marks":2223},"Discretionary and operational spend",[2224],{"type":157},{"text":2226,"type":38}," is also centralized, but spending is done by managers and employees during their daily professional lives. It includes card purchases, subscription payments, digital ads, events, office orders, and business travel.",{"type":2113},{"type":648,"content":2229},[2230],{"type":35,"content":2231},[2232,2236,2238,2239,2240,2242,2246,2248,2249,2250,2252,2253,2254,2256,2257,2258],{"text":2233,"type":38,"marks":2234},"Expenses",[2235],{"type":157},{"text":2237,"type":38},", unlike strategic spend, represent a significant amount of small purchases that can be difficult to track. These include card payments, expense claims, team perks, and travel expenses.",{"type":2113},{"type":2113},{"text":2241,"type":38},"Spend management is ",{"text":2243,"type":38,"marks":2244},"the process through which companies manage business spending",[2245],{"type":157},{"text":2247,"type":38},". It takes into account the end-to-end process when someone needs to spend: getting purchase approvals, providing payment methods, submitting and processing invoices, submitting and reimbursing expense claims, chasing receipts and invoices for reconciliation, and assigning the right analytical codes, expense accounts, and VAT rates to all those expenses for bookkeeping.",{"type":2113},{"type":2113},{"text":2251,"type":38},"Spend management tools become necessary when the number of employees increases and the need for clear processes, better visibility and control starts to grow for finance teams.",{"type":2113},{"type":2113},{"text":2255,"type":38},"Employees need flexible, user-friendly tools, in order to spend easily and be empowered to do their job.",{"type":2113},{"type":2113},{"text":2259,"type":38},"That’s when Spendesk can be a good fit.",{"_uid":2261,"title":2262,"component":782,"description":2263},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","How does Spendesk work?",{"type":32,"content":2264},[2265],{"type":35,"content":2266},[2267,2269,2270,2271,2275,2276,2278,2279,2280,2282,2283,2284,2288,2289,2291,2292,2293,2295,2296,2297,2299,2303,2305,2306,2307,2309,2310,2311,2313,2314,2315],{"text":2268,"type":38},"Spendesk provides payment methods for modern businesses, and a powerful platform for finance teams to manage spending. This includes debit cards to replace old-fashioned company credit cards, virtual cards for online purchases, and automated expense reports for unexpected payments.",{"type":2113},{"type":2113},{"text":2272,"type":38,"marks":2273},"For employees",[2274],{"type":157},{"type":2113},{"text":2277,"type":38},"Employees no longer need to spend out-of-pocket. They request funds for a particular purchase, and can use their Spendesk card or virtual card to execute the payment.",{"type":2113},{"type":2113},{"text":2281,"type":38},"If for any reason the employee can’t use their Spendesk card, they snap a picture of the receipt via the Spendesk mobile app and create an expense claim on the spot. This is sent directly to their manager for validation, and on to the finance team.",{"type":2113},{"type":2113},{"text":2285,"type":38,"marks":2286},"For finance teams",[2287],{"type":157},{"type":2113},{"text":2290,"type":38},"Each employee has their own Spendesk profile and debit expense card. So unlike the company credit card, you always know who’s spending company money.",{"type":2113},{"type":2113},{"text":2294,"type":38},"The platform lets controllers create spending limits and pre-approvals. C-Level executives or managers will have a different level of pre-approved spend from other staff. Should a team member need to go over their pre-approved budget, they can make a request to their manager via the mobile app or the platform online.",{"type":2113},{"type":2113},{"text":2298,"type":38},"When an expense is made with a Spendesk card, ",{"text":2300,"type":38,"marks":2301},"the employee simply snaps a picture of the receipt",[2302],{"type":157},{"text":2304,"type":38}," at the time of purchase. Which means no more lost receipts.",{"type":2113},{"type":2113},{"text":2308,"type":38},"Finance teams can see real-time company spend and follow up on missing receipts or invoices by sending reminders to employees via the platform.",{"type":2113},{"type":2113},{"text":2312,"type":38},"Reviewing expenses is also easier as finance teams can group expenses and assign them the right VAT rates and expense accounts before exporting everything easily to their accounting tools.",{"type":2113},{"type":2113},{"text":2316,"type":38},"Spendesk streamlines the whole business spending process, making spend management intuitive, simple and efficient.",[2318],{"cta":2319,"_uid":2320,"title":2321,"eyebrow":2328,"subtitle":2331,"component":180,"textAlign":25,"sectionSettings":2337,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":25},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":32,"content":2322},[2323],{"type":180,"attrs":2324,"content":2325},{"level":182},[2326],{"text":2327,"type":38},"Get started with Spendesk",{"type":32,"content":2329},[2330],{"type":35},{"type":32,"content":2332},[2333],{"type":35,"content":2334},[2335],{"text":2336,"type":38},"Close the books 4x faster, collect over 95% of receipts on time, and get 100% visibility over company spending.",[],[],"More reads","Table of Contents",[2342,2463,2580,2633],{"name":2343,"created_at":2344,"published_at":16,"updated_at":2345,"id":2346,"uuid":2347,"content":2348,"slug":2453,"full_slug":2454,"sort_by_date":44,"position":2455,"tag_list":2456,"is_startpage":27,"parent_id":845,"meta_data":44,"group_id":2457,"first_published_at":847,"release_id":44,"lang":63,"path":44,"alternates":2458,"default_full_slug":2454,"translated_slugs":2459},"How to write your finance CV & cover letter for tech startup jobs","2022-10-24T16:50:10.493Z","2026-03-12T10:47:37.547Z",208800729,"b8fda7c0-899e-4dad-bdb3-3254d3cefda8",{"_uid":2349,"title":2343,"topics":2350,"category":2359,"language":2368,"_editable":2369,"component":749,"heroMedia":2370,"publishedAt":2377,"readingTime":2378,"redirectUrl":25,"listingImage":2379,"metaDescription":25,"componentsAfterTheArticle":2380},"c5e98417-938a-4470-9caa-5663b416c4f6",[2351],{"name":75,"created_at":76,"published_at":77,"updated_at":78,"id":79,"uuid":80,"content":2352,"slug":92,"full_slug":93,"sort_by_date":44,"position":94,"tag_list":2353,"is_startpage":27,"parent_id":96,"meta_data":44,"group_id":97,"first_published_at":98,"release_id":44,"lang":63,"path":44,"alternates":2354,"default_full_slug":93,"translated_slugs":2355,"_stopResolving":72},{"_uid":90,"name":75,"component":91},[],[],[2356,2357,2358],{"path":93,"name":44,"lang":67,"published":44},{"path":93,"name":44,"lang":69,"published":44},{"path":93,"name":44,"lang":71,"published":44},{"name":737,"created_at":738,"published_at":16,"updated_at":739,"id":740,"uuid":741,"content":2360,"slug":749,"full_slug":750,"sort_by_date":44,"position":751,"tag_list":2362,"is_startpage":27,"parent_id":753,"meta_data":44,"group_id":754,"first_published_at":755,"release_id":44,"lang":63,"path":44,"alternates":2363,"default_full_slug":750,"translated_slugs":2364,"_stopResolving":72},{"_uid":743,"icon":2361,"name":737,"component":748},{"id":745,"alt":746,"name":25,"focus":25,"title":25,"filename":747,"copyright":25,"fieldtype":26,"is_external_url":27},[],[],[2365,2366,2367],{"path":750,"name":44,"lang":67,"published":44},{"path":750,"name":44,"lang":69,"published":44},{"path":750,"name":44,"lang":71,"published":44},[63,762,763],"\u003C!--#storyblok#{\"name\": \"article\", \"space\": \"146026\", \"uid\": \"c5e98417-938a-4470-9caa-5663b416c4f6\", \"id\": \"208800729\"}-->",[2371],{"_uid":2372,"asset":2373,"shadow":27,"caption":25,"overlay":2375,"_editable":2376,"component":203},"b273a659-bb18-4e09-b3d3-45f1c352d9f0",{"alt":25,"name":25,"focus":25,"title":25,"filename":2374,"copyright":25,"fieldtype":26,"is_external_url":27},"https://a.storyblok.com/f/146026/1190x670/ed5ed5238f/finance-cv-cover-letter.jpg",[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"b273a659-bb18-4e09-b3d3-45f1c352d9f0\", \"id\": \"208800729\"}-->","2020-08-10 12:41","8",[],[2381],{"_uid":2382,"items":2383,"heading":2429,"reverse":27,"component":834,"sectionSettings":2447},"db1436c2-e981-41b8-a531-985b55d6fbdf",[2384,2393,2402,2411,2420],{"_uid":2385,"title":2386,"component":782,"description":2387},"ba420e88-0567-4437-bb0d-c936fedb6335","How do I write a CV for a finance role with limited experience?",{"type":32,"content":2388},[2389],{"type":35,"content":2390},[2391],{"text":2392,"type":38},"Lead with measurable achievements and relevant technical skills to compensate for limited tenure. Emphasize improvements such as reduced processing time or cost savings and list hands-on use of tools like Spendesk's automated expense reports and virtual cards to show operational competence and platform familiarity.",{"_uid":2394,"title":2395,"component":782,"description":2396},"81d1662b-0da4-4413-87df-4c894217eecc","What should I include in a finance cover letter to stand out?",{"type":32,"content":2397},[2398],{"type":35,"content":2399},[2400],{"text":2401,"type":38},"Showcase an impact-driven narrative that links your skills to business outcomes and include specific examples with metrics. Mention process improvements using tools such as Spendesk's approval workflows and real-time spend visibility to demonstrate ability to improve controls and support finance team efficiency.",{"_uid":2403,"title":2404,"component":782,"description":2405},"2a602f96-4806-4f28-aa7e-b43fae6b8a33","How can I highlight expense management experience on my resume?",{"type":32,"content":2406},[2407],{"type":35,"content":2408},[2409],{"text":2410,"type":38},"Quantify the scale and results of expense management tasks and name the systems you used to deliver those results. Cite experience with invoice management, budget controls, ERP integrations, or Spendesk features like automated expense reports to prove technical proficiency and process ownership.",{"_uid":2412,"title":2413,"component":782,"description":2414},"ccfe35ed-fee1-4189-b23d-cafc050fd8ea","What keywords should I use in a finance CV or cover letter to get noticed?",{"type":32,"content":2415},[2416],{"type":35,"content":2417},[2418],{"text":2419,"type":38},"Use action-oriented, finance-specific keywords tied to measurable outcomes such as 'expense automation', 'budget reconciliation', 'AP/AR optimization', 'cost savings', and 'process automation'. Include platform names like Spendesk and terms like 'virtual cards' or 'approval workflows' to signal tool experience to recruiters and ATS.",{"_uid":2421,"title":2422,"component":782,"description":2423},"90e5976b-7b79-4ab0-8016-0a97f9e17749","How do I tailor a finance cover letter for a fintech company like Spendesk?",{"type":32,"content":2424},[2425],{"type":35,"content":2426},[2427],{"text":2428,"type":38},"Align examples to product-led finance improvements and emphasize technical adaptability. Describe achievements using spend-management concepts and tools, such as implementing Spendesk's approval workflows, automated expense reports, or invoice management to improve accuracy, compliance, and reporting speed.",[2430],{"cta":2431,"_uid":2432,"title":2433,"eyebrow":2440,"subtitle":2443,"component":180,"textAlign":25,"sectionSettings":2446,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":25},[],"eb3eb753-ba70-4be2-9aa2-903014e43dbc",{"type":32,"content":2434},[2435],{"type":180,"attrs":2436,"content":2437},{"level":182},[2438],{"text":2439,"type":38},"Finance Cv Cover Letter — FAQ",{"type":32,"content":2441},[2442],{"type":35},{"type":32,"content":2444},[2445],{"type":35},[],[2448],{"_uid":2449,"hide":27,"theme":838,"anchorId":25,"component":839,"spacingTop":25,"hideOnDevices":2450,"spacingBottom":25,"floatingImages":2451,"variableOverrides":2452},"43169df1-d7f0-4446-a4b8-f983e03775a3",[],[],[],"finance-cv-cover-letter","blog/finance-cv-cover-letter",5490,[],"b4d041ce-5c7f-4773-be22-3efdeb736c5e",[],[2460,2461,2462],{"path":2454,"name":44,"lang":67,"published":44},{"path":2454,"name":44,"lang":69,"published":44},{"path":2454,"name":44,"lang":71,"published":44},{"name":704,"created_at":2464,"published_at":2465,"updated_at":2466,"id":2467,"uuid":2468,"content":2469,"slug":2570,"full_slug":2571,"sort_by_date":44,"position":2572,"tag_list":2573,"is_startpage":27,"parent_id":845,"meta_data":44,"group_id":2574,"first_published_at":847,"release_id":44,"lang":63,"path":44,"alternates":2575,"default_full_slug":2571,"translated_slugs":2576},"2022-10-24T16:50:24.314Z","2026-03-20T15:35:06.656Z","2026-03-20T15:35:06.684Z",208800732,"77998253-4126-422c-868d-9cc22b24e5e4",{"_uid":2470,"title":704,"topics":2471,"category":2480,"language":2489,"_editable":2490,"component":749,"heroMedia":2491,"publishedAt":2498,"readingTime":2499,"redirectUrl":25,"componentsAfterTheArticle":2500},"e858069d-9ae7-4974-aa9b-7ea422dd6978",[2472],{"name":75,"created_at":76,"published_at":77,"updated_at":78,"id":79,"uuid":80,"content":2473,"slug":92,"full_slug":93,"sort_by_date":44,"position":94,"tag_list":2474,"is_startpage":27,"parent_id":96,"meta_data":44,"group_id":97,"first_published_at":98,"release_id":44,"lang":63,"path":44,"alternates":2475,"default_full_slug":93,"translated_slugs":2476,"_stopResolving":72},{"_uid":90,"name":75,"component":91},[],[],[2477,2478,2479],{"path":93,"name":44,"lang":67,"published":44},{"path":93,"name":44,"lang":69,"published":44},{"path":93,"name":44,"lang":71,"published":44},{"name":737,"created_at":738,"published_at":16,"updated_at":739,"id":740,"uuid":741,"content":2481,"slug":749,"full_slug":750,"sort_by_date":44,"position":751,"tag_list":2483,"is_startpage":27,"parent_id":753,"meta_data":44,"group_id":754,"first_published_at":755,"release_id":44,"lang":63,"path":44,"alternates":2484,"default_full_slug":750,"translated_slugs":2485,"_stopResolving":72},{"_uid":743,"icon":2482,"name":737,"component":748},{"id":745,"alt":746,"name":25,"focus":25,"title":25,"filename":747,"copyright":25,"fieldtype":26,"is_external_url":27},[],[],[2486,2487,2488],{"path":750,"name":44,"lang":67,"published":44},{"path":750,"name":44,"lang":69,"published":44},{"path":750,"name":44,"lang":71,"published":44},[63,762,763],"\u003C!--#storyblok#{\"name\": \"article\", \"space\": \"146026\", \"uid\": \"e858069d-9ae7-4974-aa9b-7ea422dd6978\", \"id\": \"208800732\"}-->",[2492],{"_uid":2493,"asset":2494,"shadow":27,"caption":25,"overlay":2496,"_editable":2497,"component":203},"93f7bb8c-426f-44e8-8dab-51e9910e49b1",{"alt":25,"name":25,"focus":25,"title":25,"filename":2495,"copyright":25,"fieldtype":26,"is_external_url":27},"https://a.storyblok.com/f/146026/1500x786/54993b9ad3/startup-business-loans.jpg",[],"\u003C!--#storyblok#{\"name\": \"image\", \"space\": \"146026\", \"uid\": \"93f7bb8c-426f-44e8-8dab-51e9910e49b1\", \"id\": \"208800732\"}-->","2020-08-17 12:04",12,[2501],{"_uid":2502,"items":2503,"heading":2547,"reverse":27,"component":834,"sectionSettings":2564},"83ed9b8e-f5ec-428d-98ba-98ce062d0e8f",[2504,2512,2520,2529,2538],{"_uid":2505,"title":2193,"component":782,"description":2506},"c066c242-1767-4b52-a753-fdb26f7b732b",{"type":32,"content":2507},[2508],{"type":35,"content":2509},[2510],{"text":2511,"type":38},"Spendesk defines spend management as the end-to-end process companies use to control and reconcile business expenses. Spendesk centralizes approvals, issues debit and virtual cards, automates expense reports with receipt capture, and provides real-time dashboards for finance teams. Spendesk assigns analytical codes and VAT rates for bookkeeping, enforces spending limits, and reduces manual reconciliation via accounting integrations.",{"_uid":2513,"title":2262,"component":782,"description":2514},"3ba0c186-6895-41e2-be48-564c2f723826",{"type":32,"content":2515},[2516],{"type":35,"content":2517},[2518],{"text":2519,"type":38},"Spendesk is a spend management platform that issues employee-specific debit and virtual cards, automates approvals, and converts receipts into reconciled expense reports. Employees request funds or use Spendesk cards, capture receipts via the mobile app, and managers approve expenses. Finance teams gain real-time spend visibility, enforce budgets, and export reconciled transactions to accounting systems via Spendesk integrations.",{"_uid":2521,"title":2522,"component":782,"description":2523},"b801cd4c-cc24-49e4-8196-e04ffd3ffb4a","How do startup business loans differ from venture capital?",{"type":32,"content":2524},[2525],{"type":35,"content":2526},[2527],{"text":2528,"type":38},"Startup business loans provide debt financing with fixed repayment schedules, while venture capital provides equity financing in exchange for ownership. Spendesk helps startups manage either capital by centralizing funds, issuing virtual cards for budgeted spend, and tracking loan repayments or invested capital through real-time dashboards and accounting exports, preserving runway visibility and enabling accountable spend control.",{"_uid":2530,"title":2531,"component":782,"description":2532},"3faee688-7344-4b8e-ba4e-35667f84d696","When should a startup choose a loan over venture capital?",{"type":32,"content":2533},[2534],{"type":35,"content":2535},[2536],{"text":2537,"type":38},"A startup should choose a loan when maintaining founder equity and predictable repayment fits the business model and cash flow supports scheduled payments. Spendesk helps evaluate and execute loans by tracking cash runway, setting budgets, and monitoring repayment schedules with virtual cards and real-time dashboards, enabling founders to compare financing impact on runway and control.",{"_uid":2539,"title":2540,"component":782,"description":2541},"c38f6229-4934-470f-81ff-cfed81d7fb3d","How can Spendesk help a startup manage funds from a loan or investment?",{"type":32,"content":2542},[2543],{"type":35,"content":2544},[2545],{"text":2546,"type":38},"Spendesk helps startups manage funds from loans or investments by centralizing incoming capital, segmenting budgets, and issuing virtual cards tied to project budgets. Spendesk provides real-time dashboards, automated expense reconciliation, and accounting exports so finance teams can track spend against runway, monitor repayment schedules, and maintain compliant records for investors and lenders.",[2548],{"cta":2549,"_uid":2550,"title":2551,"eyebrow":2557,"subtitle":2560,"component":180,"textAlign":25,"sectionSettings":2563,"breakLineOnMobile":27,"subtitleLeftBorder":27,"customTitleFontSize":25},[],"98dfebeb-cd2d-488e-a109-f49c4d6ee050",{"type":32,"content":2552},[2553],{"type":180,"attrs":2554,"content":2555},{"level":182},[2556],{"text":1122,"type":38},{"type":32,"content":2558},[2559],{"type":35},{"type":32,"content":2561},[2562],{"type":35},[],[2565],{"_uid":2566,"hide":27,"theme":838,"anchorId":25,"component":839,"spacingTop":25,"hideOnDevices":2567,"spacingBottom":25,"floatingImages":2568,"variableOverrides":2569},"f7c6711b-4546-448d-9663-afdb72bd587b",[],[],[],"startup-business-loans","blog/startup-business-loans",5460,[],"37bd44b8-9f51-48f7-bcc9-749eee68613b",[],[2577,2578,2579],{"path":2571,"name":44,"lang":67,"published":44},{"path":2571,"name":44,"lang":69,"published":44},{"path":2571,"name":44,"lang":71,"published":44},{"name":2581,"created_at":2582,"published_at":2583,"updated_at":2584,"id":2585,"uuid":2586,"content":2587,"slug":2622,"full_slug":2623,"sort_by_date":44,"position":2624,"tag_list":2625,"is_startpage":27,"parent_id":845,"meta_data":44,"group_id":2626,"first_published_at":2627,"release_id":44,"lang":63,"path":44,"alternates":2628,"default_full_slug":2623,"translated_slugs":2629},"How do you calculate accounts payable? An example with turnover and DPO","2026-11-03T14:20:15.975Z","2026-11-04T08:50:52.512Z","2026-11-04T08:50:52.542Z",237674561494713,"9efd56b5-a5a8-428b-aeec-5fbe8f3998ce",{"_uid":2588,"title":2581,"topics":2589,"noIndex":27,"category":2598,"language":2607,"readTime":25,"component":749,"heroMedia":2608,"publishedAt":2609,"redirectUrl":25,"leadwallForm":2610,"listingImage":2611,"leadwallTitle":25,"metaDescription":2619,"bottomArticleCta":2620,"leadwallSubtitle":25,"isLeadwallEnabled":27,"componentsAfterTheArticle":2621,"leadwallVisibleParagraphs":25},"cb91c91a-4a09-401a-85b4-004f919be4bb",[2590],{"name":75,"created_at":76,"published_at":77,"updated_at":78,"id":79,"uuid":80,"content":2591,"slug":92,"full_slug":93,"sort_by_date":44,"position":94,"tag_list":2592,"is_startpage":27,"parent_id":96,"meta_data":44,"group_id":97,"first_published_at":98,"release_id":44,"lang":63,"path":44,"alternates":2593,"default_full_slug":93,"translated_slugs":2594,"_stopResolving":72},{"_uid":90,"name":75,"component":91},[],[],[2595,2596,2597],{"path":93,"name":44,"lang":67,"published":44},{"path":93,"name":44,"lang":69,"published":44},{"path":93,"name":44,"lang":71,"published":44},{"name":737,"created_at":738,"published_at":16,"updated_at":739,"id":740,"uuid":741,"content":2599,"slug":749,"full_slug":750,"sort_by_date":44,"position":751,"tag_list":2601,"is_startpage":27,"parent_id":753,"meta_data":44,"group_id":754,"first_published_at":755,"release_id":44,"lang":63,"path":44,"alternates":2602,"default_full_slug":750,"translated_slugs":2603,"_stopResolving":72},{"_uid":743,"icon":2600,"name":737,"component":748},{"id":745,"alt":746,"name":25,"focus":25,"title":25,"filename":747,"copyright":25,"fieldtype":26,"is_external_url":27},[],[],[2604,2605,2606],{"path":750,"name":44,"lang":67,"published":44},{"path":750,"name":44,"lang":69,"published":44},{"path":750,"name":44,"lang":71,"published":44},[63],[],"2026-11-03 14:20",[],[2612],{"_uid":2613,"link":2614,"asset":2615,"caption":25,"component":203},"5d11b8e0-bd30-4bbf-89f6-56b8cbe89a1d",{"id":25,"url":25,"linktype":358,"fieldtype":884,"cached_url":25},{"id":2616,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":2617,"copyright":25,"fieldtype":26,"meta_data":2618,"is_external_url":27},237674626950928,"https://a.storyblok.com/f/146026/1248x832/33a4b04887/how-do-you-calculate-accounts-payable.png",{},"Learn how to calculate accounts payable with formulas for ending AP, average AP, AP turnover and days payable outstanding, plus one example.",[],[],"calculate-accounts-payable-example","blog/calculate-accounts-payable-example",-4090,[],"566286b3-51da-4c1f-9121-7310b438e40d","2026-11-03T14:23:04.698Z",[],[2630,2631,2632],{"path":2623,"name":44,"lang":67,"published":44},{"path":2623,"name":44,"lang":69,"published":44},{"path":2623,"name":44,"lang":71,"published":44},{"name":2634,"created_at":2635,"published_at":2636,"updated_at":2637,"id":2638,"uuid":2639,"content":2640,"slug":2675,"full_slug":2676,"sort_by_date":44,"position":2677,"tag_list":2678,"is_startpage":27,"parent_id":845,"meta_data":44,"group_id":2679,"first_published_at":2636,"release_id":44,"lang":63,"path":44,"alternates":2680,"default_full_slug":2676,"translated_slugs":2681},"Which software should your accounts payable team use for approvals?","2026-11-03T14:08:10.248Z","2026-11-03T14:11:29.712Z","2026-11-03T14:11:29.739Z",237671588922447,"29b2cf0c-bfde-49c3-9345-fdea60b04ee5",{"_uid":2641,"title":2634,"topics":2642,"noIndex":27,"category":2651,"language":2660,"readTime":25,"component":749,"heroMedia":2661,"publishedAt":2662,"redirectUrl":25,"leadwallForm":2663,"listingImage":2664,"leadwallTitle":25,"metaDescription":2672,"bottomArticleCta":2673,"leadwallSubtitle":25,"isLeadwallEnabled":27,"componentsAfterTheArticle":2674,"leadwallVisibleParagraphs":25},"5073efda-1472-4302-befb-8f9de799da1a",[2643],{"name":75,"created_at":76,"published_at":77,"updated_at":78,"id":79,"uuid":80,"content":2644,"slug":92,"full_slug":93,"sort_by_date":44,"position":94,"tag_list":2645,"is_startpage":27,"parent_id":96,"meta_data":44,"group_id":97,"first_published_at":98,"release_id":44,"lang":63,"path":44,"alternates":2646,"default_full_slug":93,"translated_slugs":2647,"_stopResolving":72},{"_uid":90,"name":75,"component":91},[],[],[2648,2649,2650],{"path":93,"name":44,"lang":67,"published":44},{"path":93,"name":44,"lang":69,"published":44},{"path":93,"name":44,"lang":71,"published":44},{"name":737,"created_at":738,"published_at":16,"updated_at":739,"id":740,"uuid":741,"content":2652,"slug":749,"full_slug":750,"sort_by_date":44,"position":751,"tag_list":2654,"is_startpage":27,"parent_id":753,"meta_data":44,"group_id":754,"first_published_at":755,"release_id":44,"lang":63,"path":44,"alternates":2655,"default_full_slug":750,"translated_slugs":2656,"_stopResolving":72},{"_uid":743,"icon":2653,"name":737,"component":748},{"id":745,"alt":746,"name":25,"focus":25,"title":25,"filename":747,"copyright":25,"fieldtype":26,"is_external_url":27},[],[],[2657,2658,2659],{"path":750,"name":44,"lang":67,"published":44},{"path":750,"name":44,"lang":69,"published":44},{"path":750,"name":44,"lang":71,"published":44},[63],[],"2026-11-03 14:08",[],[2665],{"_uid":2666,"link":2667,"asset":2668,"caption":25,"component":203},"d0eca43b-98ae-4cf9-81ff-da1df7de0852",{"id":25,"url":25,"linktype":358,"fieldtype":884,"cached_url":25},{"id":2669,"alt":25,"name":25,"focus":25,"title":25,"source":25,"filename":2670,"copyright":25,"fieldtype":26,"meta_data":2671,"is_external_url":27},237671684440271,"https://a.storyblok.com/f/146026/1536x1024/8c8113b001/accounts-payable-approval-software.png",{},"Compare accounts payable approval software on routing flexibility, PO matching, ERP integrations and controls to find the right fit for your finance team.",[],[],"accounts-payable-approval-software","blog/accounts-payable-approval-software",-4080,[],"0896326d-446f-48f8-ba1c-bfd5f75d289f",[],[2682,2683,2684],{"path":2676,"name":44,"lang":67,"published":44},{"path":2676,"name":44,"lang":69,"published":44},{"path":2676,"name":44,"lang":71,"published":44},1793873990868]