How Workiz Spend Management helps field service businesses cut the costs by 5%
Learn how this field service platform launched CapitalOS-powered spend management in one week, giving 110K+ businesses a new way to spend through the Workiz Card.
of new users adopt spend management at signup
from partnership to product launch
larger credit limits than the leading alternative
About
Workiz is the all-in-one platform that helps field service professionals — HVAC, plumbing, electrical, garage doors, appliance repair and more — run and grow their businesses. From scheduling and dispatch to invoicing and payments, Workiz powers more than 110,000 service pros across North America with the tools they need to operate efficiently and profitably.
Challenge
Workiz managed payments-in, but couldn't offer end-to-end spend control
Workiz had long helped service businesses get paid faster — but the money flowing out was a different story. Field techs and office staff were swiping personal cards, using store accounts at supply houses, and writing checks for parts, fuel, and subcontractors. Every purchase had to be reconciled by hand at month-end.
For Workiz customers, that meant lost receipts, miscategorized expenses, and job costs that were never quite accurate. Owners couldn't see what was being spent on which job in real time, and finance teams burned hours each week chasing paper.
Workiz looked at building a card program in-house and partnering with traditional issuers, but every path carried the same trade-offs: long timelines, heavy compliance lift, and rigid technology that couldn't keep up with how service crews actually work.
"Our customers shouldn't have to manage expenses by issuing checks or swiping their personal cards. CapitalOS made it possible to fix that in days, not months."
Solution
Embedded spend management with real-time visibility and control
With CapitalOS, Workiz launched the Workiz Card and an embedded spend management experience in just one week. Service pros can issue cards to every technician, set controls by category and job, and see every swipe attached to the right work order — without leaving the Workiz app.
Every fuel stop, parts run, and subcontractor payment now flows back into Workiz and is automatically tagged to the right project. Owners get a live view of job-level spend, and finance teams stop chasing receipts at month-end.
CapitalOS' underwriting also fits the realities of field service. Workiz customers qualify for credit limits typically 3–10x larger than traditional small-business cards, so crews never have to fall back on personal cards or high-APR financing to keep jobs moving.
Because CapitalOS handles licensing, compliance, and the issuing stack, Workiz could focus entirely on the experience inside its product — and ship a real financial offering without standing up a fintech team of its own.
"We knew cards were the missing piece in our financial story. Issuing them in-house would have taken a year. With CapitalOS we shipped in a week and our customers feel the difference on every job."
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From one-week pilot to lasting growth engine
By embedding CapitalOS, Workiz turned a one-week launch into a lasting growth engine. What started as a fast pilot to test demand became a differentiated financial offering built around how field service businesses actually operate.
Within weeks of launch, 25% of new Workiz users were adopting spend management at signup. Owners reported tighter job-cost accuracy, fewer reconciliation hours, and an average 5% reduction in project costs across active work orders.
of new users adopt spend management at signup
from partnership to product launch
larger credit limits than the leading alternative
Looking ahead, Workiz plans to keep deepening its financial offering — from advanced job-level spend rules to financing tied directly to upcoming work — with CapitalOS as the infrastructure underneath.
"Spend management is critical to the health of every small business. That's what CapitalOS lets us deliver as part of our mission to help service pros grow stronger."
* For illustrative purposes only. Individual results may vary.
