Why SMEs need one smart hub such as Peko, not ten separate tools

Most SMEs juggle separate apps for payments, expenses, travel, payroll, insurance, and accounting, plus spreadsheets to glue everything together. This fragmentation creates errors, blind spots, and manual work at exactly the stage when teams are stretched thin. 

Peko brings these workflows into one integrated platform, so founders and finance teams get near real‑time operational visibility and policy based control without needing an enterprise‑size budget. 

All your workflows in one place

Peko is built as an all‑in‑one operating system for SMEs, not just another point solution. 

• Get an AI powered business assistant, experience Co-founder AI to help automate workflows and navigate the entire platform with ease.
• Start your business with Peko Start and grow with access to a range of integrated services that support your business.
• Corporate cards and expenses: Access physical and virtual Corporate Cards, set limits and policies, and see transactions through a centralised dashboard instead of chasing receipts at month‑end.
• Accounting and reporting: Sync spending with supported accounting systems into your books and pull consolidated reports whenever you need them.
• Invoicing, payment links and collections: Generate payment links and manage incoming customer payments from a unified interface.
• Manage payroll-related workflows and employee records.
• Book hotels and flights, get eSims, pay bills, buy software, office supplies, send gift cards through integrated services, subject to availability and third-party terms.
• Engage better with your customers using Whatsapp for Business, get digital signatures, employee insurance and many more services under one roof.
• Instead of switching between multiple dashboards, teams can see cash flow, spending, and obligations through a consolidated view. 

Built specifically around SME pain points

Traditional enterprise software rarely fit SMEs well: they are rigid, complex, and designed for large finance teams. Peko is designed from the ground up around small‑business realities: 

• Tight cash flow: Centralised visibility into spend and upcoming obligations helps owners avoid nasty surprises and manage runway.
• Lean teams: Automation replaces repetitive admin—like categorising expenses, reconciling card spend, or tracking travel—so staff can focus on sales and service.
• Fast‑changing needs: Modular features let SMEs start small (for example, with payments and expenses) and add payroll, travel, and insurance as they grow. 

This makes Peko a better everyday fit than single‑purpose tools that leave gaps or force workarounds.

Simpler, safer corporate spending

Uncontrolled card use and reimbursement chaos are some of the biggest operational risks for SMEs. Peko’s spend management layer is designed to keep every dirham accountable without slowing the business down. 

• Access physical and virtual corporate cards, with custom limits per user, team, or project.
• Apply policy‑based controls by category, merchant, or budget, so misuse is restricted or flagged based on configured rules rather than discovered later.
• Get near real‑time dashboards and alerts of who is spending what, where, and why—no more waiting for statements. 

This combination of control and speed makes Peko a practical upgrade from shared cards and manual reimbursements.

Designed to plug into the tools SMEs already use

SMEs rarely have the luxury of ripping and replacing their entire stack at once. Peko is designed to sit at the centre of a modern SME toolkit. 

• Connects to mainstream accounting and ERP systems, so finance teams keep their preferred ledgers.
• Works alongside HR and payroll tools, aligning card limits and approvals with roles and structures.
• Supports integrations with travel, insurance, and other operational services, so spend data stays unified even when workflows involve multiple providers.

Instead of competing with every other tool, Peko orchestrates them.

A platform that grows with your business

The tools that work at three people rarely work at thirty. Peko is designed to scale with headcount, volume, and complexity. 

• Start with simple use cases—like basic payments and expense tracking—and expand into travel, insurance, and additional workflows as processes mature.
• Add new users, entities, and markets without rebuilding your financial setup from scratch.
• Maintain enterprise‑grade security and compliance alongside a clean, intuitive interface for non‑finance users. 

For founders planning to grow beyond a small team, choosing a platform that can grow with them is critical.

Why Peko should be SMEs’ preferred platform

When SMEs evaluate tools, they are really choosing how they want to run their business day‑to‑day. Peko stands out because it:

• Replaces a fragmented toolset with one integrated financial and operational hub.
• Is purpose‑built around SME cash‑flow realities, lean teams, and fast change.
• Gives near real‑time operational control over corporate spending without adding friction.
• Integrates with existing accounting and operational systems instead of forcing a full reset.
• Scales from early‑stage teams to larger organisations while keeping the experience simple. 

For small and medium businesses that want enterprise‑level control without enterprise‑level complexity or cost, Peko is positioned to be a strong platform choice.