Company spend, under control.

Emerge gives finance teams the power to issue team cards, automate expense management, and get real-time visibility across departments.

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Backing some of NZ's largest companies

Tools built for scale, not spreadsheets.

Legacy business accounts weren’t designed for companies with multiple teams, growing headcount, and real-time decision-making needs. Emerge helps you move faster with full control and fewer blockers.

End-to-end spend control.

Stay in control without slowing your team down.

Issue cards for each person or team 
No more shared cards or untracked purchases.
Set limits and usage rules by role 
Tailor access by department, seniority, or spend type.
Track everything in real time 
Stay ahead of the month-end chaos.

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Streamlined reconciliation.

Reduce admin and speed up your end of month.

Snap and attach receipts instantly 
Capture documentation at the point of spend.
Add GL codes and custom tags 
Make reporting easier for your accountant or CFO.
Sync everything to Xero 
No manual entry. No missing data.

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A better daily account.

Run day-to-day spend through Emerge and make finance work simpler.

Create accounts for teams or functions 
Separate marketing, ops, or travel spend without having multiple logins.
Automate budget top-ups and rules 
Set recurring transfers and balance alerts to avoid overspend.
Get clean data without waiting 
Everything in one dashboard, ready for review.

Built to flex with your structure.

From startups-turned-enterprises to large teams with layered approvals, Emerge fits the way you work.

Flexible access levels and roles 
Admins, team leads, and employees all get the right view.
Built-in multi-auth and approvals 
Trigger sign-offs only when you need them.
Scale cards and accounts without clutter 
Add people and features as you grow, no new workflows required.

“Before Emerge we were sharing a few credit cards between a team of 20 to 30 and struggling to reconcile all the payments and receipts. Emerge solved the exact pain point we had. Now we can issue cards in minutes, track spend, and stay on top of reporting.”

Mark Taylor, Head of Finance, Body in Motion

Perks that actually matter

From SaaS tools to startup services, our partner marketplace is packed with offers designed to help you save cash and scale faster. No fluff - just real discounts on the things you already use (or should be using).

Your money, secured by design

At Emerge, your funds are held securely in trust with an AA-rated bank. That means nothing is ever lent out, touched, or risked - your money is yours, always.

Frequently asked questions

Whether you’re a startup, growing team or planning global domination, Emerge works to make your business finances more efficient at every stage of your journey.

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