SpendOwl

The complete toolkit for wise spending

Automated Approvals

All your budgets, cards, payroll, and approvals in one place. Stop overspending. Run audit-proof F&B operations.

100% Spend Visibility

Save time on reconciliation with live dashboards and spend data from all branches

Smart Payments

Save millions by replacing multiple broken tools with a single control hub.

Corporate Cards

Reduce petty cash misuse with auto-enforced budgets and vendor rules

Budgets

Create and control budgets that manage themselves

Growth shouldn’t mean less control

15%

F&B businesses waste up to 15% of their annual spend due to approval gaps and limited visibility.

Policy blindspots, overspent budgets

Legacy ERPs can’t enforce rules for every branch or track if managers overspend

Scattered data across branches

Chasing receipts and invoices instead of making fast, data-backed decisions

Mismanaged cash flow

Piled up reimbursements, delayed payroll, and cash flow stuck in manual approval chains

Get wiser with SpendOwl

The only spend management platform built for how your entire F&B business actually operates and spends

One Real-Time Control Loop

From branch transactions to budget allocation, SpendOwl helps you keep every peso in motion.

Don’t wait for your next audit to realize what went wrong

Get real-time control today, and stop leaks in all your branches before they happen.

Powerful, complete spend control for F&B

All the tools you need to control your growing expenditure in your F&B branches—in one system

Get a 360-degree view of your expenditure

Control every branch’s spending instantly with the live dashboard—see all your spend data together by budget, by card, and by team.

Gain complete visibility across budgets and cards in all branches

Make smarter budgeting decisions for every branch 3× faster through real-time reporting

Cut manual reconciliation time in every branch by 70%

Spend control shouldn’t take months to build

SpendOwl helps you save time, money, and effort—in weeks, not quarters

Today

Get set up fast

Connect your business bank accounts and create your first branch budgets.

Invite your managers and approvers. No training needed.

Process your first bill or reimbursement in minutes, not days.

Day 5

Take control

Automate your approval flows so every purchase follows policy

Issue corporate cards with daily limits and vendor rules

Manage supplier payments, reimbursements, and payroll

Day 20

Enjoy the results

100% of branch spending, visible and tracked in real time.

Approval delays cut by 80%. The outcome? Faster decisions, happier teams.

Month-end reports ready 70% faster. No more late closings or guesswork

The earlier you control spend, the more you save.

Transform how your money moves. Get wiser with spending. Protect your business.

Made to help fast-growing F&B businesses spend wisely

Whether you’re running five cafés or 500 branches, SpendOwl helps your business scale without the spend chaos.

Multi-Branch F&B Operators

Run all your branches under one system

Keep every purchase, approval, and supplier payment in sync. No more chasing or delayed sign-offs.

Franchise & Group-Owned Brands

Make reports and approvals consistent across all brands

Create and control budgets that manage themselves

Fast-Growing Cafes

Stop approving by chat. Start tracking in real time.

Maintain 100% digital audit trails compliant with BIR and BSP standards

Secure, compliant, and audit-ready

SpendOwl is built for Philippine finance governance and global security standards

Data Privacy

DPA 2012 (RA 10173) compliant

Security

PCI DSS + ISO 27001 certified

BIR Alignment

Digital recordkeeping compliant with BIR e-invoicing and audit requirements