38+ Business Finance Tools
The tools here cover four areas of business finance: tracking and managing expenses, sending invoices, handling billing, and paying suppliers.
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All Business Finance tools
Showing 25 to 36 of 39 tools
Payhawk
paidPayhawk automates corporate expense management with real-time credit card transaction tracking, AI-powered receipt and invoice processing, and ERP integrations. It offers virtual and physical corporate cards with granular spend controls and supports global payments and multi-entity finance management.
Rydoo
paidRydoo offers real-time expense capture via mobile and desktop, AI-driven policy enforcement and approvals, and comprehensive finance controls with integrations to ERP and accounting software. It supports corporate cards, mileage tracking, per diem management, and AI-powered audit to reduce manual reviews.
Sage Expense Management, formerly Fyle, helps teams manage employee expenses on existing cards with text-based receipt capture, real-time card feeds, policy checks, approvals, reimbursements, and accounting sync.
Emburse
paidEmburse offers AI-driven solutions for managing travel, expenses, accounts payable, and payments with real-time spend visibility, automated compliance, and global financial workflow integration. It supports multi-currency, VAT reconciliation, and policy enforcement across 100+ countries.
Spendesk
paidSpendesk centralizes corporate cards, expenses, accounts payable, procurement, and budgets into a unified platform providing real-time visibility, automated workflows, and spend control for finance teams in companies typically between 50 and 250 employees.
Pleo
paidPleo offers smart company cards with individual spending limits and automated expense management features, enabling real-time expense tracking, receipt capture, and approval workflows to streamline business financial operations.
Zoho Expense
freemiumZoho Expense automates capturing receipts, expense reporting, approvals, reimbursements, and travel bookings with policy enforcement across multiple currencies and regions.
Brex
freemiumBrex provides a unified finance platform with corporate cards, spend management, reimbursements, travel, bill pay, and real‑time visibility, along with API integrations for automation and control.
Ramp
freemiumRamp is a finance automation platform offering corporate charge cards, expense workflows, bill payments, procurement, travel booking, and business banking in a unified system.
SAP Concur
paidSAP Concur is a unified cloud solution for businesses to manage travel, expenses, and invoices with AI-powered automation, integrations, and spend visibility.
Expensify
paidExpensify automates receipt capture, expense reporting, approvals, travel booking and reimbursements, integrating with accounting systems to streamline spend management.
Stripe
paidStripe provides a comprehensive set of payment processing and financial tools to support businesses of all sizes in accepting payments, managing subscriptions, issuing cards, and handling compliance and fraud prevention worldwide.
All 39 tools in this category, A to ZShowHide
- Airbase
- BILL Spend & Expense
- Brex
- Chargebee
- ChatGiraffe
- Emburse
- Expensify
- Feedzai
- FreeAgent
- FreshBooks
- Less Accounting
- Melio
- metal
- Moneydance
- Odessa
- Online Invoices
- OpenBudget
- Payhawk
- Payoneer
- PayPal
- pilot
- Pleo
- ProjectionHub
- Quicken
- Ramp
- Rounded
- Rydoo
- Sage Expense Management
- SAP Concur
- Sardine
- SEON
- Spendesk
- Stripe
- TaxAct
- Tipalti
- UniBee
- Xero
- Zoho Billing
- Zoho Expense
3 decisions
How to choose Business Finance tools
FreshBooks covers invoicing, expense tracking and payroll from $23 a month. Online Invoices handles invoicing, billing, expense management and bookkeeping from $6.50 a month. UniBee is built for subscription billing and automated invoicing, with a free open-source plan. PayPal and Payoneer both have free accounts. OpenBudget connects bank accounts to spreadsheets from $5 a month but cannot move money.
Two things separate these tools more than anything else. The first is scope: some tools cover one job well, others cover several. The second is what access costs before any work is done. PayPal, Payoneer and UniBee each have a $0 plan to start. FreshBooks, Online Invoices and Quicken charge a monthly fee from the first day. Odessa and ProjectionHub publish no price at all; both require a direct conversation before any number is given.
How many jobs one tool covers
Online Invoices is the only tool here that covers all four areas: invoicing, billing management, expense management and bookkeeping. Its plans run from $6.50 to $39.95 a month. FreshBooks covers invoicing, billing, expense tracking and payroll but starts at $23 a month and adds fees for extra team members. UniBee focuses on subscription billing and automated invoicing; its open-source plan is free, and its Starter plan is $99 a month. A business that only needs to send invoices and collect payments across borders can stay on Payoneer's free account without paying for features it will never use.
What access costs before the first invoice or payment
Twelve tools here have a free plan, but none is completely free forever. PayPal and Payoneer both start at $0 and charge only when transactions happen. UniBee's open-source plan is $0 a month. Moneydance offers a free trial limited to 100 manually entered transactions, then moves to a one-time purchase. TaxAct's free federal filing covers simpler returns; state filing costs extra. FreshBooks starts at $23 a month with no free tier. Online Invoices starts at $6.50 a month. Quicken's lowest plan is $1.99 a month billed annually. OpenBudget costs $5 a month on the annual plan. Odessa and ProjectionHub give no price without a sales call.
What the tool can and cannot do with money
PayPal and Payoneer move money: PayPal processes payments and offers a debit card and savings account; Payoneer sends and receives funds in 190-plus countries across 70 currencies. FreshBooks automates invoicing and pulls in bank transactions but does not hold or transfer funds itself. OpenBudget reads live transaction data from over 10,000 US financial institutions and syncs it to spreadsheets, but it has no ability to move money at all. UniBee automates recurring billing and invoicing for SaaS businesses but is not a payment processor on its own. A business that needs to pay suppliers across borders needs Payoneer or PayPal, not a tool that only reads or records.
6 questions
Frequently asked questions
Which business finance tools have a free plan?
Five tools here offer a freemium entry point. PayPal and Payoneer both have a $0 account and charge only on transactions. UniBee's open-source plan is $0 a month. Moneydance has a free trial capped at 100 manually entered transactions. TaxAct offers free federal filing for eligible, simpler returns, with state filing charged separately. FreshBooks, Online Invoices, Quicken and OpenBudget have no free tier and charge from the first month.
What is the cheapest paid plan among these tools?
Quicken's LifeHub plan is $1.99 a month billed annually, the lowest published monthly price here. Online Invoices starts at $6.50 a month. OpenBudget costs $5 a month on its annual plan or $9.95 month to month. FreshBooks starts at $23 a month. UniBee's Starter plan is $99 a month, though its open-source plan is free.
Which tools handle invoicing and billing together?
Online Invoices and UniBee both cover invoicing and billing management. Online Invoices adds expense management and bookkeeping on top, with plans from $6.50 to $39.95 a month. FreshBooks also handles invoicing and billing alongside expense tracking, starting at $23 a month. Payoneer supports invoicing as part of its global payment service on a free account.
Which tools automate accounts payable or supplier payments?
Tipalti, BILL Spend and Expense, Airbase, Melio and Payhawk all appear here for accounts payable work. Among the tools with published facts, FreshBooks automates payment processing and bank imports to reduce manual entry. OpenBudget automates transaction syncing from bank accounts to spreadsheets but cannot make payments. For full accounts payable automation with supplier payments, the tools listed by name only in this category, such as Tipalti and Melio, are the ones built specifically for that job.
Can any of these tools track expenses automatically?
FreshBooks imports bank transactions and scans receipts to track expenses without manual entry. OpenBudget connects to over 10,000 US financial institutions through Plaid and automatically sorts transactions into categories, syncing live data to spreadsheets. It is read-only, so it records spending but cannot pay anything. Ramp, Brex, Expensify and SAP Concur also appear here for expense management, though their pricing details are not published.
Which tools work for cross-border or international payments?
Payoneer is built for this: it supports payments in 190-plus countries and 70 currencies, with receiving accounts in multiple currencies and a card available for $29.95 a year. PayPal also handles international transfers and is accepted globally, with a free account and transaction-based fees. Both tools support invoicing as part of their payment services. Odessa handles asset finance across borders but is not a payment tool and requires a sales call for pricing.