How does Pry compare to other FP&A and expense management companies regarding its card issuance payment solution?

Andy: Good question. This is why I'm still trying to figure out how much of it we get into. A lot of business owners don't do their bookkeeping that well. So we're trying to help with that. We need the books to be relatively good in order to build FP&A on top of it. So this is to enable our product. We're working on this. 

I think that there's demand for it. I think founders want an expense management platform that's integrated with their budgets. Wouldn't you want to budget for $2,000, then issue a card on the same platform instead of using multiple tools? A lot of expense management platforms don't have that budgeting and forecasting piece that we built. So that's why we're thinking about moving to that. 

And when I consider features for Pry, I think about which teams they're for. Whether it's financial planning, accounting, or ops. So invoicing, bill pay, card issuing. It's just stuff you need to do to get the day-to-day done. Fulfilling the expenses after you budgeted for it is very in line with common workflows. 

Again, our target market is Seed to Series B, so they are usually companies that don't really have a hardcore bill pay process. They don't really have a need for a Concur level of expense management. They have maybe 20 or up to 50 employees. So I think in that sense, we might just be playing in a smaller market. We might be competing more with the expenses side. I know that they have their own cards. But the card issuer has gotten easy enough that it's something that we could give it a try without investing years of development and BD resources.