Overview

BILL Credit (via the BILL “Divvy Card”) provides businesses with a flexible credit line, typically between US$1,000 and US$5,000,000, accessible after a simple online approval. With the card, companies can manage spending, issue physical or virtual cards to employees, and track expenses in real time through BILL’s cloud-based spend and expense management software. The solution integrates with BILL’s broader financial-operations platform, enabling streamlined expense management, budget control, and accounting integration for small and midsize businesses.

Features and Capabilities

• Credit line & flexibility: Provides business credit lines from roughly US$1,000 up to US$5 million, scalable as the business grows.
• Multiple cards per organization: Allows issuing physical or virtual cards to employees, supporting decentralized spending with centralized oversight.
• Real-time expense management: Tracks spending per card in real time, enabling detailed budgeting, oversight, and automated spend controls.
• Budget controls & spend policies: Administrators can set budgets, limits, and approval rules to enforce organization-wide spend governance.
• Integration with accounting stack: Syncs expense and card-transaction data automatically with leading accounting systems for accurate books.
• Virtual cards for online purchases: Enables creation of virtual cards for subscriptions and online payments, reducing risk and improving control.
• Rewards & incentives: Offers reward programs such as cashback or rebates to maximize value from business spending.
• Streamlined onboarding: Provides an online application process designed for quick approval and fast access to credit.
• Expense reporting and reimbursements: Supports automated workflows for handling employee reimbursements alongside corporate card transactions.