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          Small Businesses

          For those businesses are just getting started and have less history. Typically 1-20 employees.

          Midsize Businesses

          For those businesses who've been at it for a while, and are between 21-500.

        • INDUSTRIES


          For construction companies looking to streamline budgeting and expense management processes.


          For fast-paced software businesses that need a platform that can keep up with their growth.

          Accounting Firms

          For accounting firms to streamline the spend and expense management of your clients making life easier for you and them.

          E-commerce and Retail

          For e-commerce and retail companies that value uninterrupted advertising for their campaigns.


          For healthcare providers to increase control over their finances with minimal time investment.

        • OVERVIEW

          corporate card
          Business Credit

          Fast and flexible credit for businesses of all sizes. Apply for a credit line in minutes.

          spend management
          Spend Management

          Budgeting software that helps you take control of your budgets and spend smarter.

          expense management
          Expense Management

          Expense management software that helps to simplify and streamline your expenses.

          ap management
          AP Automation

          Intelligent accounts payable software that reduces time spent on AP by 50%.

        • FEATURES

          Virtual Cards

          Protect your business from fraud and overspending with Divvy virtual cards.


          Out-of-pocket expenses, card spend, and reimbursements all in one system.


          Every Divvy customer qualifies to earn rewards from their card spend.

          Credit Builder

          The pay-as-you-go program for businesses that need to build credit.

          Accounting Integrations

          Preserve your accounting processes with our built-in software integrations.

          Mobile App

          4.7/5 rated mobile app that brings budgets, virtual cards, and more into a single app.

          Reporting and Insights

          Catch abnormalities and keep your teams accountable with Divvy's reporting tools.

          Payments Services

          Streamline your payables process with Divvy's free vendor payment solution.

If you’ve ever heard someone say “Don’t live to work, work to live,” they are definitely trying to be helpful, but missing the bigger picture. You spend 35% of your waking hours over a 50 year career span at work, and that’s if you average 40 hours a week and pull a sweet 8 hours of sleep each night. For many of us, work occupies an even larger percentage of  life.

This is what we’re getting at: Life’s too short for a hectic or stressful work situation. Your life doesn’t consist of just the time spent outside the office. Work is part of life, and it can either be a painful part or a joyful part.  Too many days are lost scraping and scrambling to get things done by end of the month deadlines. That’s why we created Divvy and named the last day of the month Divvy Day. We’re taking the last day back.

A typical work month

This is a typical work cycle that repeats monthly, especially when it comes to financial deadlines like submitting expense reports or KPI reports, client invoicing, etc. You start out relaxing and enjoying your clear desk, this sense of calm might even float over to the second week. Despite the calm, there is a tiny, nagging voice that remembers the previous month’s woes and advocates for an early start to paperwork to avoid the inevitable month-end rush.

The third week rolls around and you have a mounting pile of reports to work through, but you also have project deadlines that squeak, so they get the grease. You compensate for pushing the expense report task to the back burner by feeling anxious and a slightly guilty (that’s a fair trade, right?).

Now you’re in the fourth week, the home stretch, a.k.a., crunch time, and it’s time to get it handled. You didn’t eat this elephant one bite at a time throughout the week, and you’ve got what appears to be an insurmountable task ahead of you. You panic. While tracking down receipts, you curse the you of weeks one through three. Typing out line items, you vow that next month weeks one through three will be so different. Thanks to your killer tenacity, you manage to finish the variety of reports that you need to crank out by the last day of the month, take a deep breath, and sigh the accomplished sigh of someone who’s about to head into the relaxed space of week one. Which brings us back to Divvy Day!

A Divvy work month

Technically, we could call it Divvy Month or Divvy Year since using the Divvy App and Divvy Card makes every work day better, but every other day of the month and year, you will be doing your own thing. Divvy Day comes down to the very last day of the month, when people tend to do the real scrambling to hit deadlines.

Think back to the elephant metaphor from earlier. Divvy takes little nibbles throughout the month so that you don’t have to rush to compile and organize everything at the end of the month. In a bigger way, Divvy creates Live Reports as you spend, so there’s not really an elephant at all, just a clear and concise report that gives your company insight and control over spend every single day of the month. The expense reports build themselves, automatically.

If you are already using Divvy, take a little bit of time to celebrate Divvy Day on the last day of each month. Windmill high-five a CPA. Get donuts for your accounts payable department. Decorate your breakfast muffin with a candle, make a wish, and blow it out (we always wish for 1 million wishes).

If your company doesn’t use Divvy yet, stay strong and try to cut back on procrastination in weeks one through three. If you want to affect change in your company, casually share this blog with your company’s reconciler, or whoever’s in charge of managing expense reports. They have to eat multiple elephants at the end of each month and it is not pretty.

About Divvy

Divvy eliminates expense reports and allows companies to maintain a proactive budget. Users can set and create limits to budget categories, authorize Divvy spending cards for the whole team, and automate reports into compatible accounting software. With Divvy, business managers can monitor budgets and spending in real time, control overspend, and prevent employee fraud.

Never collect another receipt, never file another expense report, and never overspend again. Oh, and it’s all free. Schedule a demo today!

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