Today’s modern enterprise isn’t just run in boardrooms—it’s powered by apps, dashboards, and automated systems that make financial decision-making faster and smarter. As businesses evolve, so do their needs for scalable, data-rich finance tools that go beyond basic accounting. The right finance app doesn’t just track money—it shapes strategic vision.
At bti, we’ve curated a deep-dive review of the top finance apps helping enterprises manage budgets, forecasting, and investments in 2025. Whether you’re a startup scaling fast or a mid-sized company needing better control over spend, there’s a tool here for you.
Top Finance Apps Powering Business in 2025
1. QuickBooks Online Advanced: Financial Clarity at Scale
QuickBooks remains a cornerstone in enterprise finance. The Advanced version brings in powerful features designed for high-growth businesses needing customization and deeper insights.
- Key Features: Custom workflows, advanced reporting, multi-user access with permissions
- Pros: Intuitive interface, strong ecosystem, excellent integrations
- Cons: Can get pricey as teams scale
Best For: Growing enterprises needing scalable, audit-ready finance management.
2. Planful: Strategic FP&A for CFOs
Planful has emerged as a leader in Financial Planning & Analysis (FP&A), empowering finance teams with collaborative forecasting, budgeting, and scenario modeling.
- Key Features: Dynamic planning, Excel-native interface, predictive analytics
- Pros: Designed for finance professionals, seamless data integration
- Cons: Learning curve for smaller teams
Best For: Mid to large enterprises with dedicated finance departments and complex planning needs.
3. Expensify: Simplifying Expense Management
From travel receipts to employee reimbursements, Expensify streamlines how businesses handle everyday expenses. It’s particularly useful for teams that are always on the move.
- Key Features: Auto-scan receipts, mileage tracking, real-time approval flows
- Pros: Saves time, integrates with accounting platforms, mobile-friendly
- Cons: Limited customization for larger finance teams
Best For: Teams with frequent travel or reimbursement workflows.
4. BILL (formerly Bill.com): Cash Flow in Real Time
BILL has transformed how companies manage accounts payable and receivable. It’s particularly effective for SMBs looking for visibility and control over cash flow.
- Key Features: Automated invoice processing, approval chains, payment scheduling
- Pros: Transparent billing cycles, saves hours in AP/AR processes
- Cons: Interface can feel dated for some users
Best For: Enterprises seeking control over cash movement and vendor payments.
5. Divvy: Smart Corporate Cards + Real-Time Budgeting
Divvy is shaking up corporate expense management by offering smart cards with built-in spend controls. The budgeting features help CFOs align spend with strategy—in real time.
- Key Features: Real-time expense tracking, spend limits per department, employee card issuance
- Pros: Prevents overspending, instant reporting, no monthly fees
- Cons: Limited global availability
Best For: Modern enterprises wanting granular visibility and control over every dollar spent.
Real-World Business Applications
Imagine a marketing agency with 50 remote employees. With Divvy, every project lead gets their own virtual card tied to a campaign budget. Expense approvals are automated, freeing up the finance team. Meanwhile, QuickBooks Online Advanced ensures accurate monthly P&Ls for leadership meetings. Together, these apps build a financial workflow that’s not just organized—it’s agile.
For SaaS startups, Planful can model multiple revenue scenarios while BILL keeps invoice tracking hands-free. Finance apps in 2025 are no longer just for bean counting—they’re strategic assets.
Why These Apps Stand Out in 2025
- Automation: AI-powered categorization, approvals, and insights reduce manual overhead.
- Real-Time Sync: Data flows seamlessly between departments and systems.
- Security & Compliance: Built with SOC 2, GDPR, and audit trail capabilities in mind.
Final Thoughts: The Right Finance App Is a Strategic Decision
Enterprise finance is no longer just about tracking expenses—it’s about enabling decision-makers with timely, accurate, and actionable data. The finance apps dominating 2025 are those that integrate deeply, automate smartly, and scale confidently.
Whether you’re automating approvals with Expensify, building out complex forecasts in Planful, or keeping cash flow crystal clear with BILL, there’s never been a better time to rethink your financial tech stack.
At bti, we believe finance should be as innovative as the businesses it supports. If you’re not reviewing your finance app strategy regularly, you might be leaving efficiency—and money—on the table.
