Paid in a minute, settled in a month
ExpenseOS fronts every payment itself. Your people are reimbursed the moment an expense clears policy, so nobody is out of pocket waiting on a cycle, and approved vendor bills are paid the best way each supplier accepts. At the end of the month you settle one monthly statement covering every dollar moved: reimbursement line items, supplier line items once connected, and your rate. That’s the whole model.
The float is real money: on evenly spread spend your working capital stays put about two weeks longer on average — up to 30 days for spend early in the cycle — and, unlike a reimbursement run, none of it is fronted by your people.
A standard trade payable, not a credit line
The statement is a standard trade payable to ExpenseOS, exactly like any vendor invoice. There’s no revolving balance, no interest accruing, no draw on your credit facilities, and nothing landing as debt on your balance sheet. ExpenseOS never lends. Your auditors see an ordinary payable with an ordinary audit trail.
One flat rate on money moved
The price is 1.5% of money moved when your company connects expenses. Connect supplier payments and it drops to 1% on everything: card payments generate the economics, and ExpenseOS passes them back through your price. The rate is the platform price on every dollar moved — it’s never a financing fee, and it can’t be avoided by prefunding. No seats, no setup fees, no contracts.
Fund it your way
Settle by autopay from your bank account, or hold a balance in a company vault — a segregated account held with regulated partners, never a balance on ExpenseOS’s books. The vault is a convenience, not a requirement: your rate is the same either way, and nothing is ever prefunded unless you choose to.
Side by side
| ExpenseOS | Card programs | Pure reimbursement | |
|---|---|---|---|
| Your people are paid | In a minute | N/A, spend sits on the company card | Days to weeks later |
| Your cash stays yours | ~2 weeks avg, up to 30 days | ~1 week to a month, by program | Your employees front it |
| Who keeps the points | Your employees, always | The company card program | Employees, but they carry the float |
| What it costs | 1.5% of money moved; 1% with payments | “Free”, paid for in points and admin | ~$58 a report in processing (GBTA) |
The honest rule of thumb
Against a card program, the line is simple: same float, none of the card program, and your people keep their points. Against a reimbursement tool: your people stop fronting, and you still keep about two weeks of float. Either way the statement isn’t the concession — it’s the proof the model works without a credit line.
How ExpenseOS does it
The employee experience never changes: they pay on their own card, keep their points, and are reimbursed the instant an expense clears. Expenses still code themselves and finance still gets clean books. The only thing on your calendar is one statement, once a month, settled by autopay.
The takeaway: your people are paid in a minute, you pay in a month, and the thing in between is a plain trade payable, not debt. That’s the whole trick.