Circula offers mid-sized and larger corporates an employee finance app that combines digital expense management, employee benefits and, with its partnership with pliant announced in 2021, a smart corporate credit card. With this further development, Circula aims to become a holistic employee finance provider that can bundle all financial strands between employees and employers in the future.

Other close competitors of Circula capitalising on the spend management market include start-ups Moss and Spendesk. Circula intends to grow its team, further develop its product, and enter new European markets such as, in 2022, Netherlands and Spain, to stave off this competition and cement its position in the market.