From coffee runs to client dinners, how a business credit card keeps your expenses in check

From tracking every coffee run to managing those important client dinners, company expenses can quickly add up. As your business grows, so does the challenge of keeping tabs on where your money goes. This is where a business credit card can help, showing itself as much more than a mere convenience. 

We look at how having a business credit card can keep your expenses in check and help you run more efficiently. 

Knowing your spending patterns

Every business has its own rhythm of expenses. Maybe it’s those weekly team lunches that boost morale or the regular supplier payments that keep your inventory flowing. A business credit card gives you a clear window into these patterns through detailed monthly statements and real-time tracking.

By categorising your expenses automatically, you can spot trends and make smarter decisions. Is your team’s coffee budget creeping up? Are those client dinners delivering the ROI you expected? With everything in one place, you can analyse your spending habits and adjust course when needed.

Digital tools make this even easier. Most business credit cards come with apps that let you:

• Track expenses on the go
• Set spending limits for different categories
• Tag transactions for easier accounting
• Export data directly to your bookkeeping software

Streamlining team expenses

Gone are the days of collecting crumpled receipts and processing endless expense claims. With a business credit card, you can issue additional cards to key team members while maintaining control over how they’re used. Set individual spending limits and keep everyone accountable without creating unnecessary bureaucracy.

Empower your team to make necessary purchases without getting tangled in red tape. Your sales team can confidently take clients to lunch, your office manager can order supplies when needed and your marketing team can manage their ad spend, all while you maintain clear oversight of every transaction.

Plus, when it comes to taxes, having all your business expenses in one place makes life significantly easier for you and your accounting team. Every transaction is logged, categorised and ready for review, turning what used to be hours of reconciliation into a straightforward process.

Make every payment count

While keeping expenses organised is the right step, why not also earn something back on that spending? The Funding Circle Cashback business credit card turns your everyday business purchases into rewards, helping you make the most of the money you’re already spending.

With our Cashback card, you’ll get:

• Unbeatable 2% cashback on all spending for your first six months (up to £2,000)
• 1% uncapped cashback on all purchases thereafter
• Up to 42 days interest-free credit
• No monthly fees
• Up to £250,000 credit limit
• Access to spend online, in-store or anywhere Visa is accepted

The rewards can add up quickly, giving you more when you make those everyday purchases you were already planning to. It’s not about looking for reasons to spend more. You’re making necessary purchasing more rewarding.

Keeping your options flexible

Every business has its unique cash flow patterns. Some months bring unexpected opportunities or costs, while others might see delayed payments from clients. That’s why flexibility in how you manage expenses is so important. With up to 42 days of interest-free credit on your card, you have the breathing room to manage your timing more effectively.

Need even more flexibility? FlexiPay from Funding Circle gives you complete control over larger expenses. You can either use your card or make cash transfers directly to pay bills and suppliers, or transfer funds straight into your business bank account. Choose to repay over 1, 3, 6, 9 or 12 months. Seize opportunities when they arise—whether that’s bulk-buying stock at a discount or investing in new equipment—while keeping your cash flow healthy.

There’s no interest to worry about either. Just one simple fee per transaction makes it easy to plan your expenses.

Keeping your expenses in check with a business credit card

Running a successful business means staying on top of your expenses while maintaining the flexibility to grow. With a business credit card that combines cashback rewards, smart expense tracking and flexible payment options, you can keep your spending in check while making your money work harder for your business.

08/01/25: While we want to help as much as we can, the information found here is provided solely for informational purposes and should not be considered financial or legal advice. To the extent permitted by law, Funding Circle does not accept any liability for any loss or damage which may arise directly or indirectly from the use of, or reliance on, the information contained here. If you have any questions, please speak to your professional adviser or seek independent legal advice.