Startups and SMBs need speed with guardrails. This category gives you procurement that fits in a chat thread. One page intake before any signup. One virtual card per vendor with a tiny limit and a name you can read at a glance. A budget owner who can approve or deny in ten seconds. Security requests that get results without a courtroom. SOC and ISO and DPA explained in plain English. A scoring model that ranks vendors on adoption, outcomes, cost, and risk. A consolidation plan that keeps platforms and retires copycat tools. Playbooks for marketplaces and app stores so invoices live where they should. F U Trials spots new trials across the team and drops reminders before renewals so approvals happen on time. You test boldly. You buy wisely. You never send another mystery invoice to finance again.