Soldo is a business spend management platform that gives every employee or department a prepaid card with pre-set spending rules, automated receipt capture, and real-time visibility across your entire estate agency operation. No more chasing receipts. No more end-of-month surprises.
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Estate agencies with multiple branches and field-based teams face a structural spend management problem: cash and personal credit cards are used for ad hoc purchases, receipts are lost or submitted late, and the finance team spends the last week of every month reconciling expenses instead of reporting on the business.
When staff use personal cards for business spend, you lose real-time visibility, introduce the risk of personal use claims, and create a reconciliation burden that grows with every employee you add.
Multiple branches managing their own petty cash creates audit risk, inconsistent spending, and no central visibility. One rogue purchase or misappropriation and you have a problem that could have been prevented with proper controls.
Chasing receipts, matching transactions, coding to the right cost centre, and re-entering data from paper forms is a manual process that should have been automated years ago. Soldo eliminates it.
Without pre-authorised spending rules, anyone with a business card can spend any amount on anything. Soldo lets you set per-transaction limits, category restrictions, and daily budgets per card before the money leaves the account.
Soldo is not a company credit card - it is a spend management system with prepaid cards at the front end and real-time controls, automated reporting, and accounting integration at the back.
Issue physical or virtual prepaid Mastercards to team members, branches, or departments. Set per-transaction limits, category restrictions (no hospitality, travel only, etc.), and daily budgets. Cards are funded from your Soldo account, not against a credit line.
Team members photograph receipts on the Soldo mobile app. The system automatically extracts the data, codes it, and matches it to the card transaction. No paper, no chasing, no manual re-entry.
Every transaction across every card appears on your Soldo dashboard in real time. Finance managers can see branch spend, team spend, and category breakdowns without waiting for reconciliation.
Soldo integrates directly with Xero, QuickBooks, Sage, and other accounting platforms. Transactions and receipts sync automatically, so your accounts are reconciled as the month progresses rather than in a frantic end-of-month rush.
Set and manage budgets by team, branch, or cost centre directly in Soldo. When a budget is approaching its limit, alerts are triggered automatically. No more surprise overspends.
Add, remove, or instantly freeze any card from the admin dashboard. If a team member leaves, their card is blocked immediately. If a card is lost, it is frozen with one click while a replacement is issued.
Works with the tools you already use
Soldo is designed for businesses that do not have a dedicated IT team to manage implementation. Setup is self-service and most agencies are live within a week.
Open your Soldo business account and fund it from your main business bank account via bank transfer. Soldo is a separate spend wallet - no borrowing, no credit check required.
Create cards for each team member, branch, or department from the admin dashboard. Set their spending rules, category restrictions, and budgets before the card is activated.
Link Soldo to your Xero, QuickBooks, or Sage account. Your chart of accounts imports so transactions can be coded to the right nominal automatically.
A fifteen-minute walkthrough covers the Soldo mobile app. Team members photograph receipts immediately after purchase - the system does the rest.
At month end, transactions are already coded and receipts are already attached. Your finance team reviews and exports rather than chasing and reconciling.
Soldo is on Kerfuffle and Compare The PropTech. Members get more than a free trial - they get a commercial conversation with your Kerfuffle account manager in the loop.
Standard route
Off-the-shelf pricing
Your terms, reviewed before you sign
Soldo pricing is per active card or user per month. Kerfuffle members get the commercial terms reviewed by their account manager before any commitment is made.
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A Soldo walkthrough covers the admin dashboard, card setup, spending rules, receipt capture, and the accounting integration. Most estate agency teams can see the time saving from month one.
Soldo was founded to solve a problem that every business with a distributed team faces: real-time visibility and control over business spend without the friction of expense claims and manual reconciliation. Used by thousands of UK businesses, Soldo replaces petty cash, reduces personal card use, and gives finance teams the control and visibility they need to actually manage costs rather than just report on them.
Kerfuffle's PropTech That Pays Back initiative rewards estate agents with kredits when they actually use the tools they invest in. Check if Soldo participates and start earning back on your subscription.
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