"Wait, who has the card right now?"

“Whose card can we use to pay for the premium version?”

If you've ever had to ask these questions, you already know how this goes. Somewhere between expanding your team to about 5 employees and closing your first big client, one shared card (or personal cards) stops being enough.

Here's how to tell you've hit that point, and what we're building to fix it.

How do you know your team has outgrown its current card setup?

1. One card, one password, five people who need it
If "the company card" is a login three different people know, or a physical card that lives in someone's drawer, you don't have a system. You have a workaround, and it breaks the moment two people need it on the same day.

2. Subscriptions you find out about after they've already charged you
SaaS tools and subscriptions rarely get approved through a formal process. Someone signs up for a trial, forgets about it, and three months later finance is asking what it is and who approved it.

3. Marketing and ad spend that's hard to track by campaign
If your ad spend and your office supplies are hitting the same card, you can't tell what's actually working without digging through statements line by line.

4. Travel expenses that turn into a reimbursement backlog
Screenshotting receipts, chasing people for missing ones, matching expenses to categories at month end. That's not a process, that's a tax your team pays every month.

5. Nobody knows what's been spent until the statement arrives
By the time you see it, the decision that mattered has already passed.

A simpler way to manage business spend

We already run this well for consumers. Onboard's card product has worked reliably for individual users for a while now, and we're extending that same infrastructure to businesses.

That means a Corporate Card built around how businesses actually spend, not a single card stretched across every use case:

• SaaS tools and subscriptions, so you catch a charge before it becomes a surprise
• Marketing and ad spend, tracked separately from everything else
• Travel and expenses, without a reimbursement queue at the end of the month

And because it's built on the same infrastructure that powers the rest of Onboard, it's designed to move with your business rather than around it.

Want to see how it fits into your setup before it's live?

Join the waitlist and we'll walk you through it as soon as it's ready.

What this means for your team

If one or more of the signs above sound like a random day in your business, you're exactly who we're building this for.

We're not going to oversell the details before they're ready, but the direction is simple: Corporate Cards, named and tracked by purpose, built for how your business actually spends.

Get early access and be first to know when we ship.