5 Mesh Alternatives For Startups in 2025

Mesh is an all-in-one global enterprise travel and expense management solution that integrates corporate cards, expense management, and travel bookings into a single system. It simplifies handling travel expenses across multiple entities with AI-powered automation and customizable policies.

However, Mesh doesn’t fit all companies’ needs, and some businesses find it lacking in essential features or flexibility. If you’re looking for a better fit, we’ve rounded up five top alternatives—Rho, SAP Concur, BILL Spend & Expense, Navan, Expensify—each offering unique advantages to meet different business requirements.

5 Alternatives to Mesh

1) Overall Pick: Rho

At Rho, we are dedicated to providing a comprehensive business banking and spend management platform designed to simplify financial operations for companies of all sizes. Our goal is to support founders and finance teams by offering a centralized solution that streamlines and automates various financial tasks, making it easier to manage your business's finances efficiently.

Rho Key Features

• Business Checking Accounts: Manage operating cash without annoying ACH fees and enjoy 24/7 customer support.
• Corporate Credit Cards: Monitor corporate spend in real-time with custom card controls.
• Expense Management: Eliminate expense reports and capture every receipt.
• Rho Bill Pay: Pay hundreds of vendors in minutes with zero platform fees.
• Rho Treasury: Safeguard idle cash and earn a dynamic yield.
• Rho Integrations: Directly integrate with accounting, HR, and T&E software.
• Rho Partner Portal: A new version of Rho built for world-class accounting partners.

One standout features is Rho Bill Pay, which allows businesses to pay hundreds of vendors in minutes with zero platform fees. Unlike Mesh, which focuses heavily on travel and expense management, Rho Bill Pay offers a broader solution for managing vendor payments efficiently.

Rho Pricing

We offer a straightforward and transparent pricing structure designed to make your financial operations as seamless as possible. Many of our core services are free to use, and our pricing is simple and easy to understand.

• $0 Same-Day ACH fees: No charges for same-day ACH transactions.
• $0 Wire fees: No charges for wire transfers, with some exceptions for international wires.
• $0 Monthly plans: No monthly subscription fees for accessing Rho's services.
• $0 Support fees: Free live support from day one without any additional charges.
• $0 Subscription fees: No subscription fees for using Rho's platform.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
• $0 Per-user fees: No charges per user for accessing the platform.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Prefer Rho

Don’t just take our word for it—hear directly from Rho’s customers. Here’s what real users have to say about why they prefer Rho over other solutions:

• Ease of Use: "From day one, using Rho has been simple and straightforward. When I make a purchase, I get a text and email reminder. I just simply click the link and upload the receipt and I'm done."
• Time-Saving: "Rho is everything a corporate card program should be - And it's free to the users and employers! We sync with Quickbooks Online seamlessly, which has saved the finance department 60 hours per month and delayed a planned headcount addition indefinitely."
• Comprehensive Financial Management: "Best banking for an early-stage startup. They allow a single person to take care of the entire company's finances quickly - everything from checking account, AP, expenses, to treasuries."

Want a firsthand look at Rho? You can request a free demo here.

For more user reviews, visit Rho Reviews & Product Details.

2) SAP Concur

SAP Concur is a software solution designed to automate and integrate expense management, travel booking, and invoice processing. It aims to help businesses run efficiently by automating spending processes, allowing for better control and visibility over financial data.

SAP Concur Key Features

SAP Concur offers a range of features designed to automate and integrate expense management, travel booking, and invoice processing for businesses.

• Automated Expense Submission: Allows users to submit expenses from anywhere, streamlining the expense reporting process.
• Integrated AP Processes: Automates and integrates accounts payable processes, making it easier to manage invoices.
• Travel Capture: Captures travel data no matter where it is booked, ensuring comprehensive travel management.
• Interactive Demos: Provides interactive demos for users to experience the software firsthand.
• Global Reach: Offers localized versions of the software for different countries and languages, catering to a global audience.

SAP Concur Pricing

SAP Concur provides tailored pricing quotes based on specific business needs and selected solutions.

• Travel & Expense: Comprehensive solution for managing both travel bookings and expense reports.
• Expense Only: Solution focused solely on managing and automating expense reports.
• Invoice: Solution for managing and automating invoice processing.

Drawbacks To SAP Concur

General user reviews of SAP Concur highlight its efficiency and integration capabilities but also note issues with performance and user interface complexity. For more details, visit SAP Concur Reviews 2025.

• "Concur made the work easy with expense tracking and management. Also helped in Invoicing." - Shubham K.
• "Flaming piece of garbage. Run from SAP Concur." - Jason B.

3) BILL Spend & Expense

BILL Spend & Expense combines a powerful company card with expense management software to streamline reporting and give users more control over their spending. It is an all-in-one expense management solution that provides real-time visibility and customizable control over business finances.

BILL Spend & Expense Key Features

BILL Spend & Expense combines a powerful company card with expense management software to streamline reporting and give users more control over their spending. Here are some of its most notable features:

• Business Credit: Provides businesses with access to necessary funding through an online application process.
• Expense Management: Offers software to streamline the management of expenses, removing the need for traditional expense reports.
• Budget Management: Allows businesses to manage their budgets with customizable controls and policies.
• Mobile App: Enables team members to manage expenses and complete transactions in real-time using a mobile application.
• Virtual Cards: Issues virtual cards to help businesses prevent fraud and control spending.

BILL Spend & Expense Pricing

BILL Spend & Expense offers a free-to-use model for users and clients.

• Essentials: Basic AP and AR features with manual integration via CSV file import/export.
• Team: Granular AP & AR controls with automatic 2-way sync with leading accounting software.
• Corporate: Advanced customization and management of AP and AR with additional controls.
• Enterprise: Enhanced security, multi-location accounting, and priority support with custom pricing.
• Spend & Expense: Free software for managing credit lines, budgets, and expenses with corporate cards.

Drawbacks To BILL Spend & Expense

General user reviews of BILL Spend & Expense highlight its ease of use and real-time visibility but also note issues with customer service and integration.

• "BILL Spend & Expense has been a huge game-changer for our internal process." - Janisa C.
• "Decent Spend and Expense Software, Bad Customer Service." - Nick S.

For more details, visit BILL Spend & Expense Reviews 2025.

4) Navan

Navan is a corporate travel and expense management platform designed to simplify and streamline business travel and expense processes. It offers an intuitive platform that empowers employees to book travel and manage expenses while staying within company spending limits.

Navan Key Features

• Navan Connect: Allows users to link their existing Visa, Mastercard, or Amex cards to enjoy built-in approval flows with automatic reconciliation on every transaction.
• Navan Rewards: Rewards employees when they book travel below budget, incentivizing cost-saving behavior.
• 24/7 Expert Support: Offers round-the-clock support for travelers, including premium services for VIPs through seasoned Reed & Mackay agents.
• Automated Expense Management: Automates categorization, reports, and reimbursements, boosting productivity and optimizing savings with AI-powered insights.
• Comprehensive Travel Inventory: Provides access to a massive travel inventory featuring top suppliers, ensuring more options and better deals.

Navan Pricing

Navan offers a free plan for small companies and a customizable plan for large organizations.

• Navan Business: Free plan for companies with up to 200 employees, includes travel and expense management.
• Navan Enterprise: Custom pricing for large organizations, includes comprehensive travel and expense solutions.

Drawbacks To Navan

General user reviews of Navan highlight its user-friendly interface and efficient expense management but also note issues with booking confusion and limited travel options. For more details, visit Navan Reviews 2025.

• "Seamless UI/UX experience. I don't even know why companies still use Concur when Navan is here!" - Gabriel G.
• "Mediocre product at its best, exasperating at its worst." - Verified User

5) Expensify

Expensify is a comprehensive platform designed to manage company expenses, offering features such as expense management, travel booking, corporate cards, spend management, bill pay, receipt scanning, and invoicing. It connects directly to accounting, HR, payroll, and travel software, providing companies with real-time visibility and control over their business spend.

Expensify Key Features

• Expensify Card: A corporate card that offers cash back on every US purchase.
• Global Reimbursements: Ability to reimburse employees in different currencies.
• Unlimited Virtual Cards: Virtual cards for making purchases without a physical card.
• Expensify Chat: A chat feature for financial conversations with colleagues, clients, and friends.
• Automated Expense Reporting: Automation of expense reporting and next-day reimbursements.

Expensify Pricing

Expensify's pricing is not public. Contact their support for more info.

Drawbacks To Expensify

General user reviews of Expensify highlight its ease of use and efficiency but also note issues with customer support and pricing.

• "Expensify is super easy to use, very intuitive and extremely convenient for uploading travel expenses on the go." - Jenny R.
• "It did eventually get the job done for us for a period of time, although it was expensive and the support was absolutely terrible." - Jimmy M.

For more details, visit Expensify Reviews 2025.

How to select the right Mesh alternative?

When evaluating alternatives to Mesh, consider the following tips:

• Identify Your Needs: Determine the specific features and functionalities your business requires, such as expense management, travel booking, or AP automation.
• Ease of Use: Look for a platform that is user-friendly and easy to navigate, ensuring a smooth onboarding process for your team.
• Integration Capabilities: Ensure the solution integrates seamlessly with your existing accounting, HR, and travel software for streamlined operations.
• Cost-Effectiveness: Evaluate the pricing structure to ensure it aligns with your budget. Rho offers many core services for free, making it a cost-effective choice.
• Customer Support: Consider the quality and availability of customer support. Rho provides 24/7 live support without additional charges, ensuring you get help when you need it.
• Scalability: Choose a platform that can grow with your business, offering features that cater to both small startups and larger enterprises.

Getting started with the best Mesh alternative

Each of the alternatives to Mesh offers unique features and benefits, making them suitable for different business needs. Whether you prioritize expense management, travel booking, or comprehensive financial solutions, there's a platform that can meet your requirements.

If you're looking for a robust, all-in-one solution, we recommend Rho. With its comprehensive suite of financial tools and user-friendly interface, Rho stands out as a top choice for businesses of all sizes. Ready to experience the benefits firsthand? Request a demo today and see how Rho can streamline your financial operations.