Most small businesses are paying for software they don't use and leaving thousands in card rewards on the table. SpendIQ finds the waste. CardIQ captures the upside. Flat fees. No subscriptions.
Our Services
Address the hidden costs in your software stack and the missed upside in your business spending—both for flat, one-time fees.
We audit your entire software subscription stack—every tool, every license, every seat—and identify what to cut, downgrade, or consolidate.
Most business owners use the wrong card for their biggest spending categories. CardIQ analyzes your spend mix and builds a card strategy that maximizes rewards on what you're already buying.
The Problem
Software subscriptions and business card rewards are two of the most overlooked areas of small business finances. Together, they often represent thousands per year in avoidable waste and uncaptured value.
Tools from a project that ended. A platform nobody uses. A legacy tool the team migrated away from but never cancelled. They add up quietly every month.
You pay for 10 Slack licenses. Only 6 people actively use it. That's 4 seats of pure waste—and it's common across every SaaS tool in your stack.
A 1.5% flat-rate card used for $5,000/mo in ad spend that a travel card would reward at 3x points. That's a meaningful annual difference most owners never calculate.
Business credit card welcome bonuses routinely offer $500–$1,500 in value. Most small business owners sequence their applications suboptimally, leaving significant bonuses uncaptured.
How It Works
Both SpendIQ and CardIQ follow a straightforward process—submit your information, we do the analysis, you receive a clear action plan.
Provide your bank/card statements or a list of your current SaaS tools. No login credentials required.
We map every subscription, identify overlaps, estimate utilization, and flag obvious cuts.
A prioritized list of what to cancel, downgrade, or keep—with estimated annual savings per recommendation.
Tell us your approximate monthly spending by category: advertising, travel, supplies, utilities, etc.
We compare your spend profile against major business card offerings to find the highest-reward combination.
A specific card-by-card recommendation with projected annual rewards value and an application sequencing plan.
Two flat-fee services. No subscriptions, no ongoing commitments. Just a clear report and an action plan.