Overview

BILL Credit provides small and midsize businesses with a flexible line of credit — via the BILL Divvy Card — combined with intelligent expense- and spend-management software. Businesses can obtain credit lines from roughly USD 1,000 up to USD 5 million (subject to approval), issue physical or virtual cards to employees, and manage spending, budgets, and expenses from a unified cloud dashboard. The platform integrates with major accounting software and automates expense tracking, thereby simplifying spend control and cash-flow management.

Features and Capabilities

• Credit Line & Card Access: BILL offers credit lines from 1,000–5,000,000 USD; after approval you receive the BILL Divvy Card (physical or virtual) to spend against this line.
• Spend & Expense Management: Built-in expense-management software automatically tracks purchases, categorizes expenses, and syncs them to your financial system.
• Budget Controls & Spend Policies: Define budgets, set spending limits per card or per employee, and enforce custom spend policies.
• Multiple Cards / Employee Cards: Issue cards to all employees — physical or virtual — and control their individual spending while maintaining centralized oversight.
• Real-Time Visibility & Mobile Access: The dashboard for desktop and mobile provides real-time insight into spend, budgets, and card usage for efficient on-the-go management.
• Integrations: Integrates seamlessly with major accounting and ERP systems such as QuickBooks, Xero, NetSuite, Sage Intacct, and Microsoft Dynamics to streamline reconciliation.
• Virtual Cards & Online Purchase Control: Generate virtual cards for online subscriptions, one-time payments, or controlled web-based spending with reduced fraud risk.
• Expense Reporting & Reimbursements: Automates expense reporting, receipt matching, and reimbursement workflows to minimize manual administrative work.