Spend management for agencies & studios
Every card
knows which
job it’s for.
Project cards with live budgets, receipts that match themselves and client rebilling on the spot — because your producer shouldn’t need a spreadsheet to buy gaffer tape.
Free for up to 3 people
No card fees
Live in about 11 minutes
Fig. 01 — Studio card, brushed stainless, 13 g
Petty cash, retired at
(00) The problem, briefly
Creative work runs on small, urgent purchases. Gaffer tape at 7am €18.40 A taxi for the hero product €31.00 Pizza for the edit suite at 2am €45.00 Tender puts every one of them on the right job, with the receipt attached, before anyone has to ask Matched
Written by two ex-producers who lost one shoebox too many
- Props & set€1,920
- Travel€1,160
- Food€740
- Kit hire€460
Plenty of room. Carry on shooting.
Multi-currency
Shoot in Stockholm. Report in euros.
Pay in 34 currencies at the mid-market rate plus a flat 0.4%. Every line lands in your books already converted.
Freelancer cards
Send a card by phone number with a limit and an end time. No payroll, no forms, no chasing plastic back.
(03)
How a month goes
Spend on Monday.
Close on the 1st.
Two sliders, no email required. The numbers come from 212 onboarding audits with studios between 3 and 140 people.
Median minutes per task, measured before and 60 days after switching. Your mileage will vary; your shoebox won’t.
“Month-end used to eat two days and most of my patience. Now it’s a Tuesday lunch, and I don’t even need the whole hour.”
SA
Signe Arvidsson
Founder & MD, Field Day Studio · Copenhagen
# oddfellow-shoot
Fri 18:04
NO
Nkechi Obi
18:04
Wrap’s done. Every freelancer card expired at 18:00 on its own. Nobody had to chase anyone for a card back. I nearly cried in the van.
14
9
JM
Jon Mensah
18:06
wait I still have my card?? oh. no I don’t.
Nkechi Obi — Head of Production, Parallel Pictures · London
−31
h
Receipt chasing per month · Twelve Frames, 12 people
“We retired ‘receipt Fridays’. Nobody has asked for them back.”
Marco Bellandi, Operations Lead
HOLLIS & WEBB
Chartered accountants · Leeds
Client review
Q2 2026
VAT codes I fixed
0
Receipts I chased
0
Emails titled “URGENT”
0
“First agency client whose export I didn’t have to fix. I’ve pinned it to the office wall as an example.”
Raymond Achterberg
Partner
Approved
Prices exclude VAT
Extra people on Studio: €5 / month
No FX markup on your first €10k each month
JL
Still stuck?
Talk to Jonas. He has closed more month-ends than he’d like to admit.
Usually replies in 9 minutes
No — and that’s on purpose. Tender Money is an authorised e-money institution. Your money sits in segregated, safeguarded accounts, kept completely apart from ours. It isn’t covered by a deposit guarantee scheme, which is exactly why we say so up front.
Invite a freelancer by phone number, set a limit and an end time, pick the project. They get a virtual card in their phone wallet straight away — no payroll, no forms. When the shoot wraps, the card expires on its own.
We nudge them twice, politely. Then they can add a short note instead, and your accountant sees exactly which ones are missing and why. No detective work, no shoebox archaeology.
The main cloud ledgers used by UK and EU studios, both ways, plus a clean CSV for everything else. Categories, VAT codes and project tags map once during setup and then stay mapped.
Yes. Flag any expense as rebillable, set a markup per client (10% is the usual), and Tender drafts the invoice lines for you — receipts attached, so nobody argues about the taxi.
Most studios are live in about 11 minutes. Verification can take a day if your company is brand new. Virtual cards work immediately; metal cards arrive in 3–5 working days.
Export everything, close the account, and we return your balance within one working day. No exit fees, no guilt trip, no “are you sure?” emails.
(08)
Last thing
Put the shoebox
down.
Open an account in about 11 minutes. Your first metal card is on us, and your first month-end is on autopilot.
Free up to 3 people
No card fees
Leave whenever