A spend management (virtual credit card) platform for venture-backed startups and large teams. They also have a barebones checking account product called Brex Cash.
Brex has run into a bit of an odd situation in recent years—while focusing on growth, they apparently took on too many small-mid size businesses, which led to them axing accounts of many of their customers out of nowhere. They are now only allowing venture-backed startups onto their platform, or mid-size businesses doing at-least $400k/mo in revenue ($4.8m/yr).
We actually had a Brex account for many years when first evaluating it (checking in on how it evolved over the years), and recently, we were actually one of the many that were pulled into the axing account mess (luckily we ultimately decided on Divvy after initial evaluation of Brex, and have been happily using Divvy for 5+ years now). That said, when trying to log back into my account to add some screenshots to this post, I was met with a redirection loop and the following message from support upon reaching out:
While they have a "banking" component, it's more of just a simple checking account, and their banking features are not as robust as that of a full-fledged business-focused bank like Mercury.
All-in-all, they seem to be relying quite heavily on their YC network, getting most YC companies to use them by offering as many perks to them as possible. When actually comparing Brex against the competitors though when it comes to automatic reconciling of your expenses in your accounting software, and just overall UI/UX, there's a lot to be desired—Divvy and Ramp are far superior in many of those areas.
There is currently no promo code for this app but we are close partners, so if you use the link above to visit the site and then let their team know that Efficient App sent you, you may just get a little something... extra 😉
There is currently no promo code for this app—we'll update it here if that changes in the future!
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Rippling lets you easily manage your employees’ payroll, benefits, expenses, devices, apps & more—in one place.
Companies usually come to Rippling when they are looking for payroll. They then end up moving to HR, Cloud IT Cloud, and Finance Cloud.
They are the definition of an all-in-one tool for this category, in that they are trying to replace Gusto for Payroll, and Ramp/BILL Spend & Expense for expense management.
They are also looking to replace your time tracking software like Harvest and Toggl although when comparing it to the best time tracking software on the market, it has a lot to be desired. What they are specifically going after is the time tracking that rolls into Payroll.
While this is something that Gusto and QBO can both do, it's just not recommended as time tracking should be a function of billing/project management more than solely for payroll. Although if you feel the reverse, one of these 3 tools might be what you're looking for!
The nice thing is that that you can set up some parameters like employees can only start tracking their time if they are within a pre-set geo location, ensuring that they are indeed in the office.
They also let you go quite granular in terms of time policies, you can set them up for breaks, overtime, etc.
You're brought through an onboarding process, where you'll mark in any direct reports, which will automatically determine all of the policies for those employees.
This rolls into anything from the HR side.
They even allow you to purchase computers through them to simplify the process. It will come with all of the applications pre-installed software-wise, they will actually set up those licenses for you, e.g. Asana, Expensify, etc.
They've even gotten to the extent of building their own password manager, to compete with Dashlane, having more control over password management. They call it RPass—this is how they can have more onboarding control of giving new. So you can use something like Dashlane with Ripple, you just lose the integration of it spinning up a new account.
You can stick with Expensify or Ramp and sync over all of the expenses per employees, pulling it all in.
You need to be careful as to what this really means when it comes to expectations though
This integration is more focused on the employee expense reimbursement tracking, they very much see themselves as a competitor to Divvy, Ramp, or Expensify when it comes to the expense management and budgeting side of things.
Gusto vs Rippling, Ramp vs Rippling
LastPass: Create accounts, Destroy, and manage groups
As you grow, you'll just see more operational efficiencies by using everything within Rippling, so they are definitely building integrations just to.
Creating accounts, managing licenses, and even the ability to build custom applications.
When comparing Rippling to Gusto, they are a bit more expensive, but more flexible regarding the pricing.
As always, at the end of the fiscal quarter, many companies like this are willing to give discounts if you book in at the end of a quarter (can expect like a 30% discount). You'll be sitting in around ~$30/mo per person + $70/mo base.
You can view their SMB pricing without speaking to a representative (they hide it quite a bit).
If you pay for the subscription, there is no cost per (like running payroll), it's all inclusive.
This tool as a whole fits into the "all-in-one" category, but more in the HR
When purchasing Rippling, you're just selecting what you need, so you can start small and scale with it, although it's clear they want you to grow on their platform, getting lock-in to do everything within their platform.
They work with companies of all sizes, but they are definitely more in search for larger enterprises and to offer the entire cohesive solution.
There is currently no promo code for this app but we are close partners, so if you use the link above to visit the site and then let their team know that Efficient App sent you, you may just get a little something... extra 😉
There is currently no promo code for this app—we'll update it here if that changes in the future!
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