Start free. Scale with control.

See every dollar. Control every transaction. Unlimited cards and compliance screening — free forever. Upgrade when your business needs more.

Free

For every business

$0/forever

See every dollar. Unlimited cards, basic spending controls, and compliance screening — free forever.

  • Unlimited cards
  • Basic spending controls
  • Compliance screening
  • Audit-ready receipts
  • Dashboard & reporting
  • 30-day transaction history
  • Community support
Get started free
Most Popular

Growth

Covenant

$49/mo

Control every transaction. Advanced controls, analytics, and API access for growing teams.

  • Everything in Free
  • Advanced spending controls
  • Category & vendor analytics
  • API access
  • QuickBooks & Xero sync
  • Slack & email alerts
  • 90-day spend forecast
  • 1-year transaction history
  • Vendor risk scoring
  • Priority email support
Start free 30-day trial

Business

Elite

$149/mo

Custom policies, webhooks, and dedicated support for teams that need full control.

  • Everything in Growth
  • Custom spending policies
  • Webhook integrations
  • Dedicated account support
  • SLA guarantee
  • Real-time Slack + SMS alerts
  • Full API access
  • Unlimited transaction history
  • Custom compliance rules
  • Priority phone support
Start free 30-day trial

Enterprise — custom pricing, volume discounts, dedicated account manager, white-label options. Talk to us

Compare plans

FeatureFreeGrowthBusiness
Your Fleet
Invoice WatchdogBasic
Anomaly ShieldBasic
Cash Pulse—
Fleet Performance tracking
Invoice Management
Invoice scanning (upload)
Email invoice scanning—
3-pass matching (exact + fuzzy + AI)Exact only
Duplicate detection
Overcharge detection—
New vendor alerts
Anomaly Detection
Transaction monitoringBasicAll accountsAll accounts
Vendor price creep detection—
Category spend tracking—
Vendor risk scoring—
Custom anomaly thresholds——
Cash Flow
Current cash balance
90-day cash forecast—
Runway calculation—
Receivables aging—
Recurring expense detection—
Financial Health Score
7-factor composite score
Factor breakdown
Score history & trends30 days1 yearUnlimited
Reason codes
Graduation (Trust Ladder)
Level 0: Watch (read-only)
Level 1: Draft (draft actions)—
Level 2: Act (low-risk actions)——
Level 3: Full Authority (money-moving)——
Integrations
Bank connections (Plaid)1 account5 accountsUnlimited
QuickBooks Online—
Xero—
Slack—
SMS alerts——
Webhook API——
REST API access——
Notifications
Dashboard alerts
Weekly email digest
Daily email digest—
Real-time email (critical)—
Slack notifications—
SMS notifications——
Support
Help center
Email supportPriorityPriority
Phone support——
Dedicated account manager———

Frequently asked questions

Is there really a free version?
Yes. Free gives you unlimited cards, basic spending controls, compliance screening, and audit-ready receipts. No credit card required. No time limit.
What happens after the 30-day trial?
If you don't upgrade, you keep Free tier access — your data stays, your score stays, and basic monitoring continues. Nothing is lost.
Can I switch plans anytime?
Yes. Upgrade or downgrade from your dashboard at any time. Changes take effect immediately. No lock-in contracts.
What does 'graduation' mean?
Your automated workflows start in Watch mode — read-only. As they prove accuracy (95%+), they earn the ability to draft actions, then act on low-risk items, then move money. You approve each level. Business plan ($149/mo) is required for full money-moving authority.
Do I need a corporate card or crypto wallet?
No. Agent Financial works with your existing business bank account via Plaid. Email and password to sign up. Connect your bank. That's it.
How is this different from Ramp or Brex?
Ramp and Brex require you to switch corporate cards. Agent Financial works with any bank, and automated workflows earn trust before touching money. We're built for the 5-person company, not the 500-person one.
Is my financial data safe?
Bank-level encryption (AES-256). Read-only bank access via Plaid. We cannot initiate transactions until you explicitly grant authority at the Business tier. Your data is never shared with other customers.
Do you offer white-label for accountants?
Yes. Enterprise plan includes white-label options for accountants serving multiple clients. Contact us for custom pricing.

Every dollar, accounted for.

Free forever for 1 bank account. No credit card required.

Get started free