Introducing Find.Claims as Part of the Extended Find.Agency Ecosystem
By: Jonathan
734 views
Find.Claims is now part of the Find.Agency ecosystem — a business discovery and listing platform expanding into expense and claims management. Discover why untracked expenses are costing UK SMBs £742/month and how integrated tools close the gap.
Published On: April 02, 2026
A business can run its marketing well, maintain a decent web presence, even collect decent reviews — and still haemorrhage money quietly, in a spreadsheet tab no one looks at on a Tuesday afternoon. That's the thing that keeps nagging at me.
We talk a lot about visibility for small businesses. Get listed. Get found. Get customers. That conversation matters. But there's a parallel problem that barely gets mentioned in the same breath, and it's arguably more damaging per pound: the way businesses track, process, and manage their expenses and claims is still, in 2026, a mess for most of them.
The Number Nobody Wants to Say Out Loud
UK small and medium businesses are losing an average of £742 per month due to incorrect invoicing stemming directly from poor expense tracking. Scale that across the UK's 5.5 million SMBs, and you get a figure approaching £1.1 billion in monthly losses and, not from competition, not from market downturns, but from administrative failure. Two-thirds of those business owners, around 68.6%, say this mismanagement directly affects their growth.
That's not a footnote. That's an operating wound.
And it's not just the UK. The Association of Certified Fraud Examiners' 2024 Report to the Nations found that organisations lose an estimated 5% of annual revenue to fraud every year, with expense reimbursement schemes accounting for approximately 13% of all occupational fraud cases, carrying a median loss of $50,000 per incident. Twenty-four percent of employees, in separate surveys, have admitted to counting personal purchases as company costs. TransUnion's H2 2025 fraud data puts the global tally at an estimated $534 billion in fraud-related losses across surveyed businesses worldwide, representing roughly 7.7% of equivalent revenues.
These aren't outlier statistics. They are the average.
Why This Is Harder Than It Looks
Here's where I'll admit something: I assumed expense management was a solved problem. Surely by now, some combination of accounting software and receipts-on-your-phone had fixed this? But the more you dig, the more you realise the fix is partial at best.
The 2025 Expense Trends Report, which analysed over 371,000 expense claims worth a combined £60 million across 460 organisations, found that 70% of finance teams still list real-time expense visibility as their top priority. Not a future priority — their current, pressing concern. Meanwhile, BCG's January 2025 research found that executives achieved only 48% of their cost-saving targets in 2024, and most couldn't sustain efficiencies beyond two years. McKinsey estimates that 20–30% of operational expenditure is lost annually to inefficiency, process friction, and fragmented systems.
So the tools exist. The intention exists. The gap is somewhere between the two.
Processing an expense report manually costs around $58 per report. Automated? Around $8. That's not a marginal improvement — it's a structural one. Yet 87% of CFOs saying they're prioritising expense automation in 2025 also implies that, until recently, most weren't. And 86% of small businesses reported that their expenses rose by an average of 11% in 2025 alone. The squeeze is real, and the response tools are, for many owners, still sitting in a "we'll get to it" pile.
Claims Are Not Just for Insurance Companies
This is the part where I think the framing breaks down in most conversations. When people hear "claims management," they picture insurers processing motor accidents. But claims — as a business process — span warranty claims, supplier disputes, employee reimbursements, vendor credits, warranty returns, and more. Any time money leaves or should enter a business, it's a claim.
And the market for software to manage those processes is not small. The global claims processing software market stood at $40.84 billion in 2024, with projections of a 8.3% CAGR through 2034. That's a market growing because the underlying operational need is genuine and widespread — not manufactured by consultants.
The problem for most small businesses isn't that solutions don't exist. It's that solutions tend to be built for enterprises: layered, expensive, and requiring a dedicated finance team to configure and maintain. The small business owner managing claims from a spreadsheet is not failing at sophistication. They're failing at having time.
Why Find.Claims Make Sense in This Ecosystem
Find.Claims is not entering an empty room. It's entering a specific gap: a claims and expense management tool built for businesses that already need to manage their operational costs but don't have a finance department to lean on.
What makes this interesting — maybe more interesting than I initially thought — is the context it lives in. Find.Agency is a global business discovery and listing platform. Businesses list their services, promote events and deals, post jobs, and manage their brand presence from one centralised place. That's the visibility side. Find.Claims extend that same logic into the operational side: if a business can be discovered through Find.Agency, it can also run leaner through Find.Claims.
These two things aren't cosmetically related. A business that can't track its rechargeable expenses accurately is also a business that can't accurately price its services. A freelance agency that loses £742 a month in misattributed costs is a business whose Find.Agency listing is essentially advertising a margin that doesn't exist. The discovery and the operational health are tangled.
I keep thinking about a plumber, but not for dramatic effect, just as a literal example. He lists his business on Find.Agency. Gets found by local customers. Books jobs. But between the van fuel, replacement parts recharged to clients, and the occasional claim for a damaged fixture, tracking what to invoice back and what's an operating cost gets genuinely blurry. That blur, compounded across months, is where £742 goes.
Find.Claims address that blur.
The Visibility-Operations Gap
Most business directories — whether Google Business Profile, Find.Agency, or any other local business listing platform — focus on the outward identity of a business: its name, location, category, reviews, and hours of operation. That is necessary and valuable. Getting your business listed, optimising your business information, and managing customer reviews — all of this improves local SEO, builds trust with potential customers, and directly affects search results rankings.
But none of that stops the bleeding on the inside.
Find.Agency has always been a centralised platform for business owners to build their online presence, attract new customers, promote deals, post jobs, and improve their local search visibility. It helps businesses be found — by customers, partners, and employees. And for a platform built around the idea that one centralised place is more efficient than ten fragmented ones, adding an expense and claims layer is not a departure. It's the same argument applied to a different part of the business.
The logic is consistent: fragmentation costs money. In visibility, fragmentation means customers can't find you. In operations, fragmentation means you can't find your own costs.
What 72% of SMBs Already Know
CPA.com's 2025 spend management survey found that 72% of small and medium-sized businesses want a proactive approach to expense management — not reactive credit card reconciliation, but anticipation: matching expected expenses to budgets before money is spent. Fifty-three percent said they're actively reducing costs. Sixty-nine percent wanted new tools to help them do it.
That's not a niche market request. That's a supermajority of the businesses Find.Agency already serves, already articulating a need for exactly what Find.Claims offers.
Now — and I want to be careful here, because this is where the argument could get too neat — I don't think the integration automatically solves everything. A tool is only as good as its adoption. A claims platform that business owners don't log into is just another tab they'll close. The real test for Find.Claims is whether it reduces the friction of submission, tracking, and reporting to the point where it becomes the path of least resistance — not the responsible choice, just the easiest one.
That's hard to achieve. I'm not sure every claims platform has managed it. But it's the right standard to hold to.
A Slightly Uncomfortable Truth About Directories
There's something worth saying that directories don't usually say about themselves: being listed is not enough. A Google Business Profile or a Find.Agency listing gets you discovered. It does not make you more profitable. It connects you to customers, but customer spending and money management are two different events in a business's life.
The expansion into Find.Claims is, in that sense, a response to an honest gap in what directory-adjacent platforms typically offer. Most are concerned with the front door — who finds you, who clicks, who calls. Find.Claims is concerned with what happens after — whether the job you booked actually translates into accurate invoicing, recoverable costs, and properly recorded claims.
That is, if I'm being direct, a more mature product position than "get listed for free." It says, "We are not just interested in your discoverability." We're interested in your financial health.
The Cost of Doing Nothing
Businesses that automate expense management reduce processing time by approximately 60% and cut processing costs by around 35%. A 50-person business implementing automation can expect annual benefits in excess of $142,000 — against an implementation cost of $15,000–$25,000, with a payback period of two to three months.
Those figures are for larger operators. For a five-person trade business or a solo consultant, the numbers are smaller but the proportional impact is arguably larger. A £742 monthly loss for a sole trader is not a rounding error. It's the difference between a profitable quarter and a break-even one.
And the fraud dimension is not hypothetical. The ACFE found that the most common reason expense fraud succeeds is a lack of internal controls — cited in 32% of cases — followed by override of existing controls (19%) and lack of management review (18%). These are exactly the conditions that describe a small business relying on informal processes: trust rather than controls, memory rather than audit trails.
What Find.Agency Is Building
To be clear about what's at stake — this isn't just a feature launch. Find.Claims as part of the Find.Agency ecosystem signals something more deliberate: a platform that has recognised the limits of business discovery as a standalone product.
The most useful platforms for small businesses are not the ones that do one thing brilliantly. They're the ones that reduce the number of separate tools a business owner has to manage. List your business. Promote your services. Post a job. Track your expenses. Submit a claim. Manage your client relationships. One login. One ecosystem.
That is not a new idea. But very few platforms have executed it at the level of local and small business owners who don't have IT departments, don't have finance controllers, and operate on the assumption that their accounting will somehow sort itself out at year's end. It usually doesn't. And the cost of that assumption — across the UK's SMB base alone — runs into billions per month.
The conversation about business visibility and the conversation about business financial health are the same conversation, just at different stages of the same journey. Find.Agency is making the case that both stages deserve a home on the same platform.
What You Can Do Right Now
If your business is already listed on Find.Agency, you are ahead on visibility. Your local search presence is building. Your potential customers can find your business name, read reviews, and browse your services.
The next question is whether your operations match your presentation.
- Explore Find.Claims and see how expense tracking and claims management can be integrated into how your business runs day to day — not as a separate software decision, but as part of the same platform where your business already lives.
- List your business on Find.Agency if you haven't already. The free plan gets you started: eCommerce store creation, up to 10 product and service listings, two job postings, and unlimited events. You are not paying to be found by new customers.
- Upgrade to the Plus or Business plan if your business is growing and you need more listings, sponsored placement, and faster support. The difference between being listed and being visible in local search results is often the difference between a standard and a sponsored entry.
- Use both tools together. A business that is easy to find and runs its expenses cleanly can price accurately, grow deliberately, and build the kind of trust with customers that reviews can't manufacture on their own.
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