Finance AI Index
September 2026 Edition · The permanent record of this edition. The unqualified address always carries the latest edition.
Index › Spend and procurement › Corporate travel managem › Small business › September 2026 Edition

Corporate travel management for small business buyers

Asked as “corporate travel booking platform”, and as “business travel management tool”, on behalf of a small B2B company. 49 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
Standing
Navan
Contested
33% of first choices, contested.
ShowinginAll 41 categories in the September 2026 Edition →

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small businessNavan33%ContestedThis pageMid-marketNavan51%Clear leaderStanding →EnterpriseSAP Concur48%Clear leaderStanding →

01The standing

Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
01Navan33%19%53endorsed leader
02Booking.com for Business20%14%37accepted challenger
03TravelPerk18%8%59accepted challenger
04Ramp8%8%24accepted challenger
05Rippling Travel6%5%22accepted challenger
06Brex2%7%15accepted challenger
07Engine2%0%12accepted challenger
08TravelBank2%0%10accepted challenger
09SAP Concur2%76%33criticized challenger
Show the one product at 0%, ordered by negative rate
10Amex GBT Egencia0%40%15criticized challenger
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its vendor page.
Head to head
Navan vs TravelPerkNavan vs Booking.com for BusinessTravelPerk vs Booking.com for Business

Recommended versus criticized

Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.

Criticized challengerCriticized default
Negative label rate →
01
02
03
04
05
06
07
08
09
10
Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Navan33%
02Booking.com for Business20%
03TravelPerk18%
04Ramp8%
05Rippling Travel6%
06Brex2%
07Engine2%
08TravelBank2%
09SAP Concur2%
10Amex GBT Egencia0%

02What they warned about

Three of twelve models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, Grok 4.1 Fast, Mistral Small, Llama 4 Maverick, Qwen 3.7 Flash, GLM 4.7 FlashX and MiniMax M2.5 changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
SAP Concur
76%
25 of 33 labels negative · 11 of 12 models · 8 hard negative
“Platforms to **avoid or scrutinize closely** include: - **SAP Concur** ... its enterprise orientation can make it a poor fit for small teams” Perplexity Sonar, negative prompt
Navan
19%
10 of 53 labels negative · 8 of 12 models · 1 hard negative
“small businesses should be cautious about or avoid the following travel management platforms due to recurring issues” Mistral Small, negative prompt
Expedia for Business
62%
5 of 8 labels negative · 5 of 12 models · 5 hard negative
“Using Expedia Corporate Booking Tool without proper policy configuration ... avoid consumer-only booking sites that offer no compliance or safety tracking” Qwen 3.7 Flash, negative prompt
Booking.com for Business
14%
5 of 37 labels negative · 5 of 12 models · 3 hard negative
“Booking.com for Business / Expedia for Business: The Risk: High Commissions... Avoid platforms that rely on "soft" enforcement” GLM 4.7 FlashX, negative prompt

03What they cite

Citations exist only for the models that return a source list: twelve of the twelve in this edition, and all six flagship models on the expanded tier.

Sites the answers cite

67 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 6 of those lists are Google grounding redirects that name no site and are left out of the counts. 842 links across 127 sites, every framing counted. Ranked by the number of answers carrying the site or page.

ottotheagent.com
vendor site · Otto the Agent43 answers · 71 citations · 10 models
rippling.com
vendor site · Rippling43 answers · 58 citations · 10 models
perk.com
vendor site · Perk35 answers · 51 citations · 10 models
businesstravel.com
vendor site · Businesstravel.com35 answers · 39 citations · 10 models
g2.com
29 answers · 65 citations · 10 models
navan.com
vendor site · Navan29 answers · 45 citations · 11 models
learn.g2.com
28 answers · 28 citations · 10 models
business.booking.com
vendor site · Booking.com21 answers · 47 citations · 8 models
routespring.com
vendor site · Routespring20 answers · 33 citations · 9 models
brex.com
vendor site · Brex15 answers · 18 citations · 8 models
oncehub.com
14 answers · 14 citations · 8 models
engine.com
vendor site · Engine13 answers · 15 citations · 9 models

Pages the answers cite

The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.

rippling.com/blog/small-business-travel-management-software
43 answers · 10 models
businesstravel.com/blog/best-business-travel-management-software-for-small-…
34 answers · 10 models
learn.g2.com/best-travel-management-software
28 answers · 10 models
perk.com/blog/best-travel-management-software-small-business
20 answers · 10 models
oncehub.com/blog/top-travel-management-software
14 answers · 8 models
brex.com/spend-trends/corporate-travel-management/best-business-travel-mana…
13 answers · 7 models
business.booking.com/en-us/business-travel-resources/blog/the-best-business…
13 answers · 5 models
ottotheagent.com/blog/top-travel-management-software-small-businesses
13 answers · 7 models
g2.com/categories/travel-management/small-business
12 answers · 7 models
gartner.com/reviews/market/corporate-travel-management-software
12 answers · 8 models

04How they answered

Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ModelDirect“What is the best corporate travel booking platform for a small B2B company?”Paraphrase“Which business travel management tool would you recommend to a small business that sells to other businesses?”Comparative“What are the top travel management platforms for a small team and how do they differ?”Budget-constrained“What is the best corporate travel booking platform for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a corporate travel booking platform. What should we look at?”Negative“Which travel management platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5TravelBank
Three alternativesBusinesstravel.com, Engine, TravelPerk
SAP Concur, TravelPerkChanged
One alternativeExpedia for Business
Travel Code
Five alternativesEngine, Expensify Travel, Navan, Ramp, TravelPerk
Booking.com for Business, Ramp
Three alternativesTravelBank, TravelPerk, Zoho Expense
no first choiceagainst: Amex GBT Egencia, Navan, Traditional Travel Management Companies, WeTravel
GPT-5.4 miniNavan
One alternativeTravelPerk
TravelPerkChanged
One alternativeZoho Expense
against: SAP ConcurNavan
One alternativeTravelPerk
against: Amex GBT Egencia, SAP ConcurZoho Expense
One alternativeTravelPerk
against: Navan, Rampno first choiceagainst: Booking.com for Business, Corporate Travel Management, Corporate Traveler, GetThere, TravelPerk, Travelopro
Gemini 3.5 FlashTravelPerk
Four alternativesBooking.com for Business, Brex, Navan, Ramp
against: American Express Global Business Travel, SAP ConcurTravelPerkHeld
Four alternativesBrex, Navan, Ramp, Rippling Travel
TravelPerk
Five alternativesBrex, Engine, Navan, Ramp, Rippling Travel
against: SAP ConcurNavan
Three alternativesBILL Spend & Expense, Booking.com for Business, Ramp
against: TravelPerkBrex, Ramp
Four alternativesEngine, Navan, Otto the Agent, TravelPerk
against: SAP Concuragainst: American Express Global Business Travel, Booking.com for Business, Expedia for Business, KAYAK for Business, SAP Concur
Perplexity SonarRippling Travel, TravelPerk
One alternativeBooking.com for Business
against: NavanRippling TravelChanged
Two alternativesBooking.com for Business, TravelPerk
Booking.com for Business, TravelPerk
Four alternativesBrex, Navan, Ramp, Rippling Travel
against: SAP ConcurBooking.com for Business
Two alternativesEngine, TravelPerk
against: Navanno first choiceagainst: Amex GBT Egencia, BCD Travel, CWT, Corporate Travel Management, FCM Travel, Navan, SAP Concur, SutiExpense
Grok 4.1 FastNavan
Two alternativesBooking.com for Business, TravelPerk
against: SAP ConcurTravelPerkChanged
One alternativeBooking.com for Business
against: Brex, Navan, Ramp, Rippling TravelNavan, TravelPerk
Two alternativesRamp, Rippling Travel
against: Booking.com for Business, SAP ConcurBooking.com for Business, Navan
One alternativeTravelPerk
against: Expedia for Business, SAP ConcurRippling Travel
Two alternativesNavan, TravelPerk
against: American Express Global Business Travel, BCD Travel, CWT, Corporate Travel Management, Reed & Mackay, SAP Concur, TravelPerk
Mistral SmallTravelPerk
Two alternativesSAP Concur, TravelPlus
NavanChangedTravelBank
Eight alternativesAmex GBT Egencia, Booking.com for Business, Engine, Navan, Rippling Travel, TravelPerk, Zoho Expense, myBiz
Booking.com for Business, Ramp
One alternativeRippling Travel
no first choiceagainst: BCD Travel, Navan, SAP Concur, TravelPerk
DeepSeek V4 FlashNavan
Four alternativesAmTrav, Booking.com for Business, TravelBank, TravelPerk
against: Amex GBT Egencia, SAP ConcurNavanHeld
One alternativeTravelPerk
TravelPerk
Six alternativesAmex GBT Egencia, Booking.com for Business, Navan, Ramp, TravelBank, Zoho Expense
Booking.com for Business, Navan
One alternativeTravelPerk
no first choiceagainst: SAP Concuragainst: Amex GBT Egencia, Navan, SAP Concur, TravelPerk
Llama 4 Maverickno first choicemyBizChanged
Two alternativesBrex, Rippling Travel
no first choicemyBiz
Two alternativesRamp, TravelPerk
no first choiceagainst: Amex GBT Egencia, SAP Concur
Qwen 3.7 FlashNavan, TravelPerk
One alternativeTravelBank
NavanChanged
Two alternativesBILL Spend & Expense, Ramp
Navan
Three alternativesExpensify Travel, Otto the Agent, TravelPerk
against: SAP ConcurRamp
One alternativeTravelPerk
against: American Express Global Business Travel, BCD Travel, CWTno first choiceagainst: SAP Concuragainst: American Express Global Business Travel, BCD Travel, CWT, Expedia for Business, KAYAK for Business
Kimi K2Navan
Three alternativesBooking.com for Business, Expensify Travel, TravelPerk
NavanHeld
Two alternativesRamp, TravelPerk
Navan, TravelPerk
Two alternativesAmex GBT Egencia, Booking.com for Business
Booking.com for Business, Navan
One alternativeTravelPerk
TravelPerk
Three alternativesNavan, Otto the Agent, Routespring
against: SAP Concuragainst: American Express Global Business Travel, Corporate Travel Management, Navan, SAP Concur
GLM 4.7 FlashXNavan
Two alternativesBooking.com for Business, TravelPerk
against: SAP ConcurBooking.com for BusinessChanged
Four alternativesNavan, Rippling Travel, TravelPerk, Zoho Expense
Rippling Travel, TravelPerk
Five alternativesBILL Spend & Expense, Brex, Expensify Travel, Navan, Ramp
against: SAP ConcurBooking.com for Business
Two alternativesExpensify Travel, TravelBank
no first choiceagainst: Booking.com for Business, Expedia for Business
MiniMax M2.5Navan
Three alternativesBooking.com for Business, Engine, myBiz
Booking.com for Business, NavanChanged
Two alternativesExpensify Travel, Rippling Travel
against: SAP ConcurNavan, TravelPerk
Six alternativesBooking.com for Business, Brex, Ramp, Rippling Travel, TravelBank, Zoho Expense
Booking.com for Business, Engine
Two alternativesNavan, Rippling Travel
no first choiceagainst: Booking.com for Business, Expedia for Business, KAYAK for Business, Navan, SAP Concur
Bold is the first choiceAlternatives are counted; the count opens them.What the answer argued against

05The record

One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record
Seventy-two rows: every prompt, every model, every answer.
PromptModelVersion stringTime (UTC)SearchedSourcesLatency
Direct recommendationClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:07yes96 s
Direct recommendationGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:42yes36 s
Direct recommendationGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:37yes1923 s
Direct recommendationPerplexity Sonarsonar2026-09-17 18:04yes206 s
Direct recommendationGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 20:44yes3718 s
Direct recommendationMistral Smallmistral/mistral-small via mistral2026-09-17 19:29yes54 s
Direct recommendationDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 20:41yes2017 s
Direct recommendationLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 21:09yes52 s
Direct recommendationQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:49yes1031 s
Direct recommendationKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:38yes1022 s
Direct recommendationGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:58yes2538 s
Direct recommendationMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 19:21yes515 s
ParaphraseClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:20no05 s
ParaphraseGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:38yes34 s
ParaphraseGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:54yes852 s
ParaphrasePerplexity Sonarsonar2026-09-17 19:01yes205 s
ParaphraseGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 20:30yes2915 s
ParaphraseMistral Smallmistral/mistral-small via mistral2026-09-17 20:41yes106 s
ParaphraseDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:03yes1520 s
ParaphraseLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 20:34yes53 s
ParaphraseQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 20:14yes833 s
ParaphraseKimi K2moonshotai/kimi-k2 via novita2026-09-17 19:18yes1441 s
ParaphraseGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 19:35yes1793 s
ParaphraseMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:24yes546 s
ComparativeClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 18:23yes1510 s
ComparativeGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 20:08yes411 s
ComparativeGemini 3.5 Flashgemini-3.5-flash2026-09-17 21:16yes15170 s
ComparativePerplexity Sonarsonar2026-09-17 19:38yes2013 s
ComparativeGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 18:52yes1917 s
ComparativeMistral Smallmistral/mistral-small via mistral2026-09-17 19:04yes58 s
ComparativeDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 20:25yes1635 s
ComparativeLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:34yes52 s
ComparativeQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:54yes1425 s
ComparativeKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:49yes1023 s
ComparativeGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 18:20yes1335 s
ComparativeMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:41yes1882 s
Budget constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:09yes99 s
Budget constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 19:52yes45 s
Budget constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:46yes1323 s
Budget constrainedPerplexity Sonarsonar2026-09-17 19:04yes176 s
Budget constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 20:42yes2816 s
Budget constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 18:40yes54 s
Budget constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via deepinfra2026-09-17 18:24yes2347 s
Budget constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:58yes53 s
Budget constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 18:25yes523 s
Budget constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:47yes924 s
Budget constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 17:53yes2427 s
Budget constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:13yes915 s
Scale constrainedClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 19:41no06 s
Scale constrainedGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:32no010 s
Scale constrainedGemini 3.5 Flashgemini-3.5-flash2026-09-17 19:15yes1423 s
Scale constrainedPerplexity Sonarsonar2026-09-17 18:18yes1611 s
Scale constrainedGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:03yes1513 s
Scale constrainedMistral Smallmistral/mistral-small via mistral2026-09-17 19:29no06 s
Scale constrainedDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:35yes921 s
Scale constrainedLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 21:01yes52 s
Scale constrainedQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 17:58yes525 s
Scale constrainedKimi K2moonshotai/kimi-k2 via novita2026-09-17 20:23yes1432 s
Scale constrainedGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:40yes978 s
Scale constrainedMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 20:40no010 s
Negative framingClaude Haiku 4.5claude-haiku-4-5-202510012026-09-17 20:15yes168 s
Negative framingGPT-5.4 minigpt-5.4-mini-2026-03-172026-09-17 18:14yes45 s
Negative framingGemini 3.5 Flashgemini-3.5-flash2026-09-17 18:40yes1532 s
Negative framingPerplexity Sonarsonar2026-09-17 20:51yes2010 s
Negative framingGrok 4.1 Fastspacexai/grok-4.1-fast-non-reasoning via vertex2026-09-17 19:46yes4517 s
Negative framingMistral Smallmistral/mistral-small via mistral2026-09-17 19:15yes159 s
Negative framingDeepSeek V4 Flashdeepseek/deepseek-v4-flash via fireworks2026-09-17 18:13yes2928 s
Negative framingLlama 4 Maverickmeta/llama-4-maverick via bedrock2026-09-17 19:04yes54 s
Negative framingQwen 3.7 Flashalibaba/qwen3.7-flash via alibaba2026-09-17 19:05yes1025 s
Negative framingKimi K2moonshotai/kimi-k2 via novita2026-09-17 18:25yes2940 s
Negative framingGLM 4.7 FlashXzai/glm-4.7-flashx via zai2026-09-17 20:00yes25110 s
Negative framingMiniMax M2.5minimax/minimax-m2.5 via minimax2026-09-17 18:56yes1933 s

Normalization in this category

Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.

Category-scoped readings
Amadeus read as Amadeus Cytric
BCD read as BCD Travel
BILL read as BILL Spend & Expense
BILL (by Bill.com) read as BILL Spend & Expense
Booking.com read as Booking.com for Business
Expedia read as Expedia for Business
Expensify read as Expensify Travel
Kayak read as KAYAK for Business
Otto read as Otto the Agent
Perk read as TravelPerk
Perk (TravelPerk) read as TravelPerk
Perk (formerly TravelPerk) read as TravelPerk
Rippling read as Rippling Travel
Unresolved, counted raw
BizAway
GetThere
Oyster / Pilgrim
TeamOut AI
Traditional Travel Management Companies (TMCs)
TravelPlus
Travelopro
Discontinued, still offered
No shut-down product was recommended here.

Also in spend and procurement

The other categories of this function, with the leader in each.
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