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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.

How secure is your business? Part of your financial spring cleaning is making sure that the proverbial doors are locked and alarm systems are in place. Now is the time to do the security work you’ve been putting off to ensure your business remains protected. 

These tasks are best undertaken with the help of your IT team and the roles that gatekeep business purchasing. You’ll need a unified effort to check your security facade for cracks.

1. Fraud audit

42% of private companies have experienced fraud, for a $164,000 median loss per company – ACFE

Data monitoring

How do you monitor your data for fraud? If someone were to illegally access your accounts how long would it take you to catch it? Don’t get embarrassed—get serious. 

  • Check expense reports and credit card statements thoroughly and regularly
  • Create a monitoring system for corporate card access so you know who has access to company funds (or switch to Divvy and give everyone controlled corporate cards
  • Remove access to accounts (financial, software, etc.) from those who no longer use or need it
  • Use your annual free credit report to check suspicious activity for your business credit

Surprise audit

Grab some snacks and settle in for some auditing. An audit is the best way to identify sneaky incidents of fraud. It’s important to have technological controls, but human instinct is key. Look over expense reports, especially those lacking receipts or with “homemade” receipts. 

Compare spending between employees in similar roles to identify individuals who may be overspending (if Jim in sales has 3x the spending of Bob in sales… that’s suspicious) as well as year-over-year spending (one of your departments doubled their spend from last year). Set up surprise audits on a schedule for the foreseeable future so you can maintain visibility and control of your security.

2. Backup data and update your software

Hiscox reported that small businesses (sized 50-250 employees) lost $184k in 2019 to cyberattacks.


Protecting your business will require some employee buy-in. Create a simple security checklist and communicate clearly with employees about the benefits and urgency of shoring up digital security. Here’s what every employee should do:

  • Push updates for all software and turn on automatic updates
  • Change passwords to be longer “passphrases”
  • Enable multi-factor authentication (MFA) on all platforms


Your IT team (or resident security expert) should take the lead on protecting the company’s digital assets and accounts. They should ensure that every software product you use relies on data encryption and security testing (switch if they don’t!). In addition, it’s critical that you maintain PCI compliance if your business processes credit card payments—to protect both you and your customers.

3. Manage your subscriptions

We all use and love software-as-a-service (SaaS) subscriptions. From Asana to Zoom you need software tools to facilitate your business operations. But they can quickly become cluttered, invisible, and out of control. Someone signed up for an analytics software, stopped using it, and they’ve hiked up the price on you. Or you’re paying for 20 extra licenses for design software that only 3 people use. 

Let’s clean that up to protect your financial accounts and even save you some cash. 

  • Take inventory of all subscriptions you use (from SaaS subscriptions to publications), including who uses them, how much they cost, and how they’re being paid for.
  • Determine which subscriptions are needed, who needs access, and how much you should be paying.
  • Cancel or renegotiate underused or expensive subscriptions.
  • Set up your subscriptions with virtual cards so they can never auto-renew or overcharge you.
  • Consider a subscription management service like Chargebee or Blissfully.

Safe and sound

Keeping your business secure and sharp can make a huge difference, both in your productivity and your revenue. These are all the tasks you’ve been putting off, but batching them in a day or two can leave you primed for excellent work (and you won’t have to deal with it for a long, long time). Lock it down so you can ramp it up.

Have you tried virtual cards for subscription management and increased financial security? Divvy offers virtual cards to protect your main account details, with controls to stop overcharging. Get started now.

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