How Beam saves contractors 5–8 hours every week with embedded cards
Learn how this contractor management platform launched embedded spend management in just one week with CapitalOS, giving construction crews real-time visibility into job costs through the Beam Card.
saved every week per contractor on expense tracking
from kickoff to embedded cards in customers' hands
in project costs avoided or recovered per job
About
Beam is a software platform that helps construction businesses manage sales, finance, and day-to-day operations in one place. Trusted by hundreds of top contractors, Beam gives small- and mid-sized teams a simple way to track costs, control their budgets, and keep every project on schedule.
Challenge
Beam's contractors needed real-time expense tracking to protect profitability
Beam works with contractors who juggle dozens of moving parts on every project, including the steady stream of purchases needed to keep work moving on site. As Adam Eagle, Beam's Founder and CEO, spent more time with these customers, he saw how few tools existed for small and mid-sized teams to track expenses cleanly by project.
A field lead stops by Home Depot for materials and lumber, then a crew member picks up supplies on a personal card. All of those expenses need to hit the right project, but they rarely land in one trusted place in time. Receipts and transactions slip through the cracks, leaving owners with a fragmented view of job costs and making it harder to manage cash flow as work progresses.
The problem is even more painful on cost-plus projects, where every expense must be captured accurately so all reimbursable costs make it onto the client invoice. A misplaced subcontractor bill or an overlooked material receipt directly erodes the margin on a job.
Adam saw that Beam's customers needed a way to keep expenses organized without bolting new tools onto already-stretched field and back-office workflows. Most were managing receipts manually, keying line items into QuickBooks, or chasing crew members for statements at month-end. None of these approaches matched the pace of a job site.
Looking for a better way to support these customers, Adam evaluated building a card program in-house and partnering with traditional issuers. Every option carried the same problems: long timelines, heavy compliance lift, and inflexible technology that couldn't keep up with how contractors actually work.
"Our customers often operate on tight cash flow, so they need every expense tied back to the job in real time. If something slips through the cracks, it directly affects their margins."
Solution
Embedded spend management contractors actually use
Beam's onboarding with CapitalOS was fast. When Adam's engineering team reviewed the API documentation, they were surprised by how straightforward it was. Within days they integrated CapitalOS into the Beam app, set up automated controls, and made sure every swipe flowed back into Beam — tagged to the right project automatically.
Beam went from kickoff to cards in customers' hands in roughly one week. Field teams could swipe at the supply yard or hardware store, and owners could see exactly what was spent, on which job, in real time — without anyone keying receipts into a spreadsheet.
With CapitalOS embedded into Beam, every purchase — a Home Depot run, a subcontractor invoice, a mid-week materials trip — now flows into one place. Spend management lives alongside the project tools Beam customers already use every day, and new contractors can be issued a card the moment they need it, without slowing down active jobs.
CapitalOS' credit lines also fit the cash-flow realities contractors face. Teams are no longer forced to rely on personal cards or high-APR financing to keep projects moving. Beam customers get access to credit limits that are typically 3–10x larger than what traditional small-business cards offer, with controls that keep spend predictable and tied directly to each project.
As Beam continues to expand, CapitalOS unlocks more advanced workflows like job-level spend rules and cost-plus billing. Labor expenses, material purchases, and subcontractor invoices all connect to the right project instantly, giving owners a clearer view of job costs so they can stay on budget and protect every margin.
"Our contractors are saving 5–8 hours every week on expense tracking alone. That's time they can spend on the job site instead of chasing down receipts."
See how CapitalOS works for your platform.
Launch embedded spend management without the compliance overhead.
Book a demoResults
From one-week pilot to lasting growth engine
By embedding CapitalOS into its platform, Beam turned a one-week pilot into a lasting growth engine. What began as a fast launch to test demand quickly evolved into a differentiated financial experience built around how field service businesses actually operate.
Within weeks of launch, adoption and engagement confirmed the demand Adam had anticipated. Owners told the Beam team that the card eliminated hours of admin every week and gave them confidence that no expense was falling through the cracks.
saved every week per contractor on expense tracking
from kickoff to embedded cards in customers' hands
in project costs avoided or recovered per job
Looking ahead, Beam plans to continue strengthening the financial tools available inside its platform. With CapitalOS as the infrastructure behind its spend management offering, Beam is set to keep expanding the ways contractors track costs, manage budgets, and stay in control of project spending — without ever leaving the Beam app.
"Expense management is critical to the health of every small business. That's what CapitalOS allows us to deliver as part of our mission to help field pros grow stronger."
* For illustrative purposes only. Individual results may vary.
