Overview

BILL Credit is part of the broader BILL platform. It enables businesses to access a credit line via the BILL Divvy Card, ranging from USD 1,000 up to USD 5,000,000, subject to approval. The solution combines corporate‑card access with expense management software to give companies real‑time visibility over spending, enable budget controls, and centralize payments and cash‑flow management — all in one integrated cloud platform.

Features and Capabilities

• Credit line access & scalability: Offers credit lines from 1,000 to 5,000,000 USD. Credit line increases can be requested periodically.
• Corporate & virtual cards for each employee: You can issue physical or virtual BILL Divvy Cards to multiple employees, enabling decentralized spending under centralized control.
• Budget & spend controls: Administrators can set spend limits, define budgets per team/employee, and control who can spend and how much — helping manage cash flow and prevent overspending.
• AI‑powered expense management: Automatic categorization of expenses, receipt matching, real‑time tracking, and simplified expense reports — reducing manual work and risk of errors.
• Seamless software integration: BILL integrates with major accounting/ERP systems, enabling automatic syncing of spend, payments, and accounting data.
• Rewards & perks: Through the BILL Divvy Card, businesses may earn rewards (e.g., cash back, travel points) depending on their payoff schedule and usage, potentially offsetting costs.
• Fraud protection & security: Real‑time monitoring of transactions and vendor validation help safeguard against fraudulent activity.
• Flexible payment & on‑the‑go use: Supports contactless payments with Visa, Apple Pay / Google Pay, and virtual card usage — facilitating modern, mobile‑friendly operations.