Case Study: The Modern Milkman achieves full spending visibility and reduced admin with Soldo

How The Modern Milkman uses Soldo to get a full overview of spending and minimise admin headaches all while empowering employees

The Modern Milkman, a Manchester-based online retailer with 100+ employees that runs local milk rounds to reduce plastic waste, saw rapid growth after launching in 2018 and especially during the pandemic. That expansion made managing spending difficult: cash was unsafe, shared credit cards created security and reconciliation headaches, and the business needed a flexible, virtual alternative — so The Modern Milkman adopted Soldo.

Soldo was rolled out company-wide as virtual cards with real-time tracking, adjustable limits, auto-top-ups, and Xero integration plus auto-tagging and digital receipt capture. The change eliminated lengthy month‑end reconciliation, cut finance admin to about 20 minutes a month per person (versus a full-time reconcilier previously), improved employee accountability, and delivered scalable expense control that can support many more cards as The Modern Milkman grows.

The Modern Milkman

Marlow Upton

Financial Controller