What Findity does

Findity AB is a Swedish embedded expense management software provider, headquartered in Ludvika with additional offices in Stockholm and Gothenburg. The company operates a B2B2B platform-as-a-service model in which accounting software vendors (Sage, Visma, Fortnox, Hogia, Xledger), HR and payroll providers (Nmbrs, SD Worx, Personio), and banks/card issuers (SEB, Handelsbanken, Danske Bank, Eurocard, Mastercard, Visa) either white-label or natively embed Findity's expense technology into their own product suites. The platform supports receipt capture via AI-powered OCR, real-time card transaction matching across corporate and personal cards, automated mileage and per diem calculation aligned to local tax rules, multi-level approval workflows, carbon footprint tracking, and Swish-based instant payouts in Sweden.

The underlying architecture is a modular, headless expense platform exposed via three APIs: an Expense API for end-user expense actions, an Admin API for organizational configuration, and a Connect API for ingesting card transactions. A Model Context Protocol (MCP) server allows AI agents to interact with the platform programmatically. The platform is localized for tax and compliance rules across nine European markets (Sweden, Norway, Finland, Denmark, UK, Germany, Netherlands, Spain, France) and was extended to the United States in April 2026, with Centime as the first U.S. embedded partner.

Findity generates revenue primarily through white-label and embedded licensing agreements with channel partners (subscription/recurring), with secondary streams from direct per-seat subscriptions on its Kvitto & Resa consumer sub-brand sold through the Fortnox marketplace at 109 SEK/user/month, and usage-based API pricing for embedded card-as-a-service integrations. The company reports that 35,000+ end-customer businesses use Findity-powered expense products across 30+ white-label deployments, and advertises a 12-week partner onboarding cycle that saves partners approximately 5 FTE of development effort.

Name

Findity

Legal name

Findity AB

Website

https://findity.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

51–100 employees

Short description

Findity is a Swedish embedded expense management platform enabling accounting, HR/payroll, and banking partners to white-label or API-integrate AI-powered, card-agnostic expense solutions. Its technology serves 35,000+ businesses across nine European markets and the United States.

Ownership category

akta.pro rank

Product category

Embedded Expense Management Software

NAICS

Custom Computer Programming Services (541511), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Computer Programming Services (7371)

akta.pro primary industry

Corporate Cards & Expense Solutions (T&E, purchasing, fleet) (FSABAIAG)

akta.pro secondary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Embedded expense management
• Expense management software
• White-label fintech platform
• Receipt OCR automation
• Corporate card expense tracking

Headquarters

HQ city

Ludvika

HQ country

Sweden

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. White-label / Embedded Licensing: Findity provides its expense platform to partners (Sage, Visma, Nmbrs, Fortnox, SD Worx, etc.) under white-label or API embedding arrangements. Partners brand the expense solution as their own and pay a licensing fee to Findity. This is the primary revenue model and the core GTM strategy, enabling Findity to reach hundreds of thousands of SMBs through partner channels without a direct sales force.
2. Per-User SaaS Subscription (Kvitto & Resa): Findity sells its own branded app (Kvitto & Resa) directly to end-users, particularly in the Swedish market through Fortnox marketplace. Priced at 109 SEK per user per month, billed monthly. All features included with no integration license fee.
3. Embedded API Usage: Partners and card issuers use the Expense API to embed expense management into their platforms, with usage-based or volume-based pricing depending on transaction volume and API call volume.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Findity builds an AI-powered, card-agnostic embedded expense management platform that partners license under their own brand or integrate via a headless Expense API. The platform covers receipt capture via OCR, real-time corporate card transaction matching, mileage and per diem automation aligned with local tax rules, multi-level approval workflows, and reconciliation to accounting and payroll systems. It sells primarily to accounting software vendors, HR and payroll providers, and banks/card issuers who white-label or embed the product for their SMB and mid-market customers.

Product overview

Findity offers an embedded expense management platform-as-a-service, built as a modular architecture centered on its Expense API (headless expense platform), White Label solution, and AI-powered core platform. The product portfolio includes the embedded expense platform with platform modules (AI Receipt Scanner, Card Connections, MileageTrack, Per Diem, Carbon Footprint), the Expense API for custom builds, and White Label expense management for branded deployment. For the Nordic market, Findity offers Kvitto & Resa (a Fortnox-integrated white label sub-brand). The platform is card-agnostic, supports multiple languages and tax regulations, and provides deep integrations with leading accounting, payroll, and banking systems.

Differentiator

Problem solved

Functional benefit

Brands

• Kvitto & Resa: A white-label expense and receipt management app integrated with Fortnox, supporting receipt management, mileage tracking, per diem calculations, and card connections for Swedish businesses.

Products and services

• Embedded Expense Management Platform Core platform product that provides partners with a card-agnostic, AI-powered expense management capability covering receipt capture, real-time card transaction matching, mileage and per diem automation, multi-level approval workflows, and reconciliation. Sold to accounting, HR/payroll, and banking partners who white-label or embed it for their SMB and mid-market customers.
• Expense API RESTful API product (Admin API, Expense API, Connect API) allowing partners and developers to embed native expense management behind their own user interface, including card transaction integration and MCP server for AI agent interactions. Sold to software platforms and fintechs seeking headless expense capabilities.
• White Label Expense Management Fully brandable white-label deployment of the Findity expense platform enabling partners to launch their own branded expense app without building from scratch, sold to accounting, HR/payroll, and banking partners on a quote-based annual subscription.
• Kvitto & Resa Direct-to-SMB white-label expense app for Swedish businesses integrated with Fortnox accounting software, handling receipts, mileage, per diems, and card connections with automatic Swedish tax compliance, sold via the Fortnox App Marketplace at 109 SEK/user/month.

Quantifiable outcome

• Partners go from partnership to launch of their own expense solution in 12 weeks, saving 5 FTE of development resources.
• +5 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration29 records

AI capability4 records

Feature9 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• CentimecoreStrategic or Co-development Partner · 23 April 2026Centime, a financial automation platform for mid-market businesses, entered into an embedded partnership with Findity as part of Findity's U.S. market entry in April 2026. Centime integrates a fully branded expense management product into its platform, powered by Findity's AI-powered, card-agnostic expense platform localized for U.S. tax regulations and feature requirements.
• SagecoreStrategic or Co-development Partner · 29 October 2025Findity and Sage announced a strategic partnership in October 2025 to develop automated expense management solutions for small and mid-sized businesses, starting with Sage Expenses for Sage 50 Accounts in the UK. The collaboration aims to streamline financial workflows and was in early rollout in the UK with plans for further European markets in 2026. Jonathan Cowan, EVP Product at Sage: 'Our partnership with Findity is key to delivering real impact.'
• VismacoreOEM/ Whitelabel/ Licensing PartnerFindity provides white-label expense management for Visma (through Spiris), enabling Visma to offer integrated expense management within its software ecosystem. Charlotte Von Sydow, CEO of Spiris (Visma): 'Findity is a responsive partner that is very easy to cooperate with. The ability to customize the platform into Visma's existing solutions and the coverage of our clients' needs were decisive.'
• NmbrscoreOEM/ Whitelabel/ Licensing PartnerNmbrs integrates Findity's expense management into its HR and payroll platform. Leon Bedaux, COO of Nmbrs: 'In Findity, we found a partner as forward-thinking as we are, using technology in a way that truly benefits users. With AI, card integrations, and other modern tech, Findity has made expense management smoother and simpler.'
• SD WorxcoreOEM/ Whitelabel/ Licensing PartnerSD Worx offers expense management powered by Findity as part of its HR and payroll service offering in Europe, enabling SD Worx's SMB customers to manage expenses alongside payroll.
• FortnoxcoreOEM/ Whitelabel/ Licensing PartnerFindity's Kvitto & Resa app is sold through the Fortnox marketplace and is deeply integrated with Fortnox accounting and payroll. Fortnox customers can purchase and activate the expense app directly from the Fortnox ecosystem. No additional integration license fee is required for Fortnox users.
• AzetsminorOEM/ Whitelabel/ Licensing PartnerAzets, a bookkeeping and accounting firm, uses Findity's platform to offer expense management to its client base of small and mid-sized businesses, managing multiple client organizations from a centralized portal.
• ECITminorOEM/ Whitelabel/ Licensing PartnerECIT, an accounting and IT services firm, partners with Findity to offer white-label expense management to its bookkeeping and payroll outsourcing clients across Europe.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Expensify: Publicly traded expense management SaaS with receipt scanning, card transaction import, and approval workflows serving SMBs and mid-market. Directly comparable product and target customer base, but focused on direct distribution rather than white-label/embedded.
• Rydoo: European-headquartered expense and travel management platform with receipt OCR, mileage, per diem, and multi-currency support across Europe and APAC. Closely comparable on feature set and European SMB/mid-market focus, competing head-to-head in Findity's core geographies.
• Pleo: Danish corporate card and expense management platform bundling cards with automated expense workflows. Highly comparable Nordic-rooted SMB offering with overlapping card + expense positioning, though more card-led than Findity's API-led approach.
• Spendesk: European spend management platform combining prepaid corporate cards with expense management, approvals, and accounting sync. Comparable mid-market European target and similar feature overlap with Findity's white-label expense platform.
• Zoho Expense: Expense management module within the Zoho suite, offering receipt scanning, multi-currency, per diem, and policy automation for SMBs. Comparable feature set and SMB focus; competes in Findity's partner ecosystem and direct SMB segments.
• Centime: U.S. financial automation platform for mid-market businesses that white-labels Findity's expense module as part of its broader AP/AR suite. Functions both as a partner and a comparable U.S.-headquartered spend management competitor.

Broad incumbents

• SAP Concur: Global enterprise expense and travel management incumbent owned by SAP, with extensive corporate card integrations and accounting ERP reach. Sets the bar for enterprise-grade compliance and global tax support; competes with Findity indirectly via partner channels and direct enterprise sales.
• Brex: U.S. corporate card and spend management platform combining card issuance with expense management, bill pay, and accounting automation. Comparable card + expense bundle and a key competitive reference as Findity enters the U.S. market.
• Ramp: U.S. corporate card and expense management platform with deep accounting integrations, automated receipt capture, and procurement workflows. Comparable card-agnostic expense feature set and a benchmark competitor for Findity's U.S. go-to-market.

Emerging players

• Medius: AP and spend management vendor with an expense module (Medius Go) that integrates with Findity's platform. An adjacent player in the same finance automation stack and a partner of Findity, illustrating overlap in target customers and workflow.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/findity
• Xx.com/findity
• Facebookfacebook.com/findity

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds4 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Findity