A Vision Born in the Gaps
In the enterprise world, where billions of dollars flow across global supply chains and vendor ecosystems, data is meant to drive decisions. Yet for years, Brandon Card watched the opposite unfold. During his tenure at IBM and later at Microsoft, he discovered a recurring pattern that would shape the rest of his professional life: massive organizations were drowning in contracts, invoices, and vendor documentation, but none of this intelligence was being harnessed.
Critical vendor contracts sat scattered across emails, legacy systems, and cloud folders. Procurement teams, despite managing monumental financial responsibilities, were left with no unified view. The real treasure—the intelligence buried inside those documents—was locked in PDFs with no analytics, no structure, and no connection to the broader financial story of the enterprise.
This wasn’t just inefficiency. It was a structural blind spot for some of the largest companies in the world.
Terzo emerged from that realization. Brandon envisioned a platform that could bring Finance, Procurement, and Legal into a single, AI-driven environment that didn’t just extract data but understood it. His goal was to treat contract and supplier information as true financial assets—assets that could be cleansed, structured, enriched, and transformed into actionable insights.
That vision is now the cornerstone of Terzo’s mission: turning contract data into real business impact by building a financial intelligence layer for the enterprise.
Building Fast, Building Right
Innovation has become a catchphrase in today’s hyper-competitive tech landscape, but Brandon Card’s approach to innovation has always been rooted in discipline. As CEO, he leads with a philosophy that marries speed with precision. Terzo pushes boundaries, but never at the expense of stability—especially because the company serves some of the world’s largest and most complex enterprises.
For Brandon, innovation means more than riding the next AI trend. It means solving real, painful problems with long-term impact. And this starts with the data layer. Before applying large language models or advanced AI systems, Terzo focuses on ensuring that enterprise data is clean, structured, and enriched. This foundational work may not be glamorous, but it is what separates sustainable AI solutions from short-lived hype.
In an era where countless startups brand themselves as AI companies, Terzo stands apart because it prioritizes the integrity of enterprise data. The company’s discipline in execution has become one of its strongest competitive advantages.
The Shifting Landscape of Procurement
Procurement and supplier relationship management are undergoing a transformation unlike any the industry has seen before. Brandon identifies three major trends propelling this shift.
The first is data convergence. Enterprises are finally recognizing the power of unifying contracts, invoices, and supplier information into AI-ready systems. This unification forms the foundation for the next generation of procurement intelligence.
The second is autonomous intelligence. AI agents are beginning to take on higher-order tasks—summarizing complex documents, providing recommendations, and inching toward autonomous action in procurement workflows.
The third is procurement’s elevation within the enterprise. What was once dismissed as a back-office cost-control function has evolved into a strategic growth engine. Procurement leaders are becoming financial operators who leverage AI not simply to cut expenses but to optimize cash flow, mitigate supplier risks, and influence profitability.
Terzo sits at the center of all three shifts. By transforming procurement data into strategic intelligence, the company is helping leaders step into a new era where data fluency and AI-powered insights shape enterprise performance.
Overcoming the Data Chaos Blocking Modernization
While enthusiasm for AI continues to grow across industries, Brandon believes that the biggest roadblock to modernization isn’t technology—it’s the chaos within enterprise data. Organizations are sitting on tens of thousands of contracts scattered across SharePoint, SAP systems, email repositories, legacy contract lifecycle management tools, and more.
Every enterprise wants AI. Yet few have the clean, structured foundation required to deploy it effectively.
This is exactly where Terzo differentiates itself. The company’s AI cleanses and connects all of a company’s contracts, invoices, and purchase orders, contextualizing them into a single intelligence layer. Once that foundation exists, the door opens to advanced analytics, forecasting models, and AI copilots capable of understanding the business at a granular level.
Terzo isn’t just addressing the symptom—it is rebuilding the infrastructure enterprises need to move confidently into an AI-driven future.
The Next Generation of Procurement Leaders
For Brandon, the future of procurement leadership will be defined not by those who follow tradition, but by those who dare to innovate. The next five years will reward decision-makers who embrace risk, empathy, and technological fluency.
Procurement is shifting from process to performance. Tomorrow’s Chief Procurement Officers will think more like Chief Financial Officers—fluent in AI, comfortable with data science, and skilled at presenting insights in a way that informs boardroom-level decisions.
The leaders who thrive will be those who combine human intuition with technological literacy, using insights not only to manage spend but to shape enterprise strategy. These are the executives who will hold some of the most influential roles in global organizations.
A Culture Built on Authenticity and Trust
Inside Terzo, culture is not an afterthought—it is a competitive asset. Brandon has built a workplace defined by authenticity, creativity, and resilience. Employees are encouraged not just to execute but to create. That’s why design, technology, and storytelling are core to everything Terzo produces.
The company operates like a sports team rather than a corporate hierarchy. High standards, deep trust, and shared accountability form the backbone of what Brandon calls Terzo DNA. This DNA is rooted in three values: honesty, compassion, and care. These principles influence every interaction, from engineering decisions to customer success strategies.
In a tech environment often dominated by pressure and speed, this emphasis on humanity and authenticity has helped Terzo build not just a team, but a community.
Strength Through the Hardest Moments
The journey of building a company is rarely linear, and Brandon has faced moments that tested his resilience profoundly. In Terzo’s early days, the company found itself battling incumbents with far more resources. Yet what Terzo lacked in size, it made up for with vision, conviction, and agility.
There were technical hurdles, fundraising challenges, and periods of intense burnout. And then came one of the company’s most difficult moments—the unexpected passing of co-founder Al in 2024. It was a moment that could have shaken the company’s foundation.
But instead, it became a turning point that strengthened the team’s unity. Brandon believes resilience isn’t formed when things go smoothly, but when everything seems to fall apart and the team continues forward anyway. For Terzo, community became the source of strength that carried them through their hardest times.
The Discipline of Balance
In an industry known for relentless demands, Brandon keeps himself grounded through the calm of the ocean. Having lived in Los Angeles and Miami for more than a decade, the beach has become his sanctuary. The sun, the water, and the silence offer him the space to reset and detach.
For him, balance is not about achieving perfection—it is about practicing presence. He is fully committed when working, and equally committed when recharging. His rest time is planned with the same intention as his business meetings. This disciplined approach to balance allows him to navigate high-pressure decisions with clarity and calm.
Advice for the Next Wave of Founders
For aspiring founders looking to make an impact in procurement technology, Brandon offers guidance shaped by firsthand experience. He believes the most successful leaders begin with purpose, not products. Chasing trends accomplishes little; solving genuine pain points creates lasting value.
Procurement is a space filled with complexity and opportunity. He encourages founders to surround themselves with believers—people who see the vision before the world does. The right team can convert resistance into momentum. And above all, trust is the currency that drives this industry. The founders who commit to building trust and cultivating expertise will ultimately shape the future of procurement technology.
The Legacy of Terzo: From Contracts to Financial Intelligence
As Brandon looks toward 2026 and beyond, his goals for Terzo extend far beyond software adoption. He wants Terzo to be remembered as the company that redefined how enterprises view their procurement data—transforming it from scattered documentation into core financial intelligence. He wants to elevate procurement from a transactional function to a strategic powerhouse that influences profitability, performance, and long-term resilience.
But his vision stretches further. Brandon hopes to cultivate a movement—a community of leaders who see AI not as automation, but as amplification. He aims to inspire executives to build businesses that remain both profitable and deeply human.
By 2030, Terzo’s ambition is bold and transformative: to build the Enterprise Financial Platform that unifies contracts to payments, connecting enterprises, suppliers, and customers through blockchain-enabled smart contracts. This system aims to increase efficiency, reduce waste, and finally bridge the longstanding disconnect between financial operations and procurement activity.
A Philosophy That Reshapes the Industry
Brandon has long believed that contracts are not simply legal documents—they are financial assets. When optimized across departments, they can become powerful drivers of organizational performance. Similarly, he advocates that procurement, responsible for billions in enterprise spend each year, should have its own dedicated platform built for its day-to-day realities. The future he envisions is one where procurement teams no longer have their workflows dictated by legacy legal tools, but instead operate with systems designed specifically to amplify their strategic role.
This philosophy has become foundational to Terzo’s work and central to Brandon’s leadership.
The Future of an Industry Reimagined
Brandon Card stands at a pivotal intersection in the enterprise world. He is leading an industry where intelligence has long been trapped in documents, where procurement has been underestimated, and where financial insights were hidden in plain sight. Terzo’s journey represents far more than a software breakthrough—it represents a shift in mindset across global enterprises.
Through disciplined innovation, a culture rooted in authenticity, and an unwavering focus on data intelligence, Brandon is steering procurement into a new era. It is an era defined by financial fluency, operational clarity, and AI-powered insight. It is a future where procurement sits confidently at the boardroom table, armed with the intelligence required to shape the strategic direction of the enterprise.
As Terzo continues its rapid ascent, its mission remains clear: transform the world’s procurement data into meaningful financial outcomes, build a community of courageous and forward-thinking leaders, and design an enterprise ecosystem where technology amplifies humanity rather than replaces it.
Brandon’s journey is not just the story of a founder. It is the story of a vision powerful enough to redefine an entire industry—one contract, one data layer, and one leader at a time.
