BILL Spend & Expense (Formerly Divvy) Review 2025

BILL Spend & Expense is certainly one of many enterprise credit score suppliers that helps small and midsize companies faucet money after they want it most.

It goes a step additional with highly effective spend monitoring and expense administration instruments, too. It’s a powerful device that each rising enterprise ought to assume critically about including.

Oh, and BILL (previously Divvy) is free for customers, making it all of the extra spectacular. I analyze enterprise financial institution accounts and small enterprise bank cards for a residing. Whereas I can’t say BILL is completely distinctive, the one-two-three punch of no charges, scalable enterprise credit score, and expansive cash administration instruments legitimately set it aside.

See what to anticipate from BILL and resolve whether or not it’s proper on your firm.

What Is BILL Spend & Expense?

BILL presents fundamental monetary providers to small and midsize companies. At its core is a versatile enterprise credit score line that may scale with your corporation. It additionally has enterprise budgeting and expense administration instruments that assist simplify even essentially the most complicated industrial funds.

BILL doesn’t cost customers any charges. It makes cash by means of card interchange charges, which come out of the online obtained by retailers you pay with BILL. You don’t pay any curiosity on the float since you entry your BILL enterprise credit score line by means of a company cost card that you will need to pay in full every assertion cycle. 

BILL’s most notable advantages embody a customizable card rewards program with qualifying spend, a robust cellular app, and seamless integrations with exterior accounting software program.

How BILL Spend & Expense Compares

BILL isn’t the world’s solely enterprise credit score answer, in fact. It competes in opposition to a number of small-business bank cards and mortgage suppliers, every with its personal strengths and weaknesses.

One among BILL’s better-known rivals is the Chase Ink Enterprise bank card household, which incorporates three names: Ink Enterprise Most popular, Ink Enterprise Money, and Ink Enterprise Limitless. See how BILL compares to Chase’s small-business bank card lineup.

What Units BILL Aside?

BILL stands out for a lot of causes, however these 4 specifically stand out to me as somebody who spends hours wading by means of monetary high-quality print each week.

• No Curiosity. The BILL Divvy Company Card is a cost card, not a bank card. Which means you will need to repay your prices in full on the finish of every billing interval. Whereas this isn’t uncommon of enterprise credit score, it’s necessary as a result of it means you’ll by no means pay curiosity on BILL attracts.
• No Month-to-month or Annual Charges Charges. BILL is considerably uncommon amongst enterprise credit score suppliers in its whole lack of month-to-month or annual charges to make use of the product. BILL makes cash on the again finish, by means of cuts of funds made to retailers.
• Applicable for Companies With No Credit score Historical past. BILL presents a secured credit score line for companies that don’t qualify for unsecured strains. Sometimes, meaning new companies with no credit score historical past and companies with restricted or irregular income.
• Highly effective Monetary Software program Constructed Into the App. BILL has intensive budgeting and expense administration instruments that combine seamlessly with its credit score providers. It’s highly effective sufficient to switch your present enterprise budgeting software program, for positive.

Key Options of BILL Spend & Expense

BILL has three core options: 

• A industrial credit score line (technically, a company cost card)
• Enterprise budgeting software program
• Expense administration software program

The software program is free for BILL customers, no matter enterprise dimension, although BILL clarifies that its options are meant for companies with fewer than 500 workers. BILL makes cash by means of card interchange charges, that means it takes a small slice of each transaction you make earlier than passing the funds alongside to the service provider.

Enterprise Credit score

The BILL Divvy Company Card is the versatile credit score line on the coronary heart of the BILL ecosystem. It knits the opposite two essential BILL options — budgeting and expense administration — collectively.

These are crucial elements of the BILL Divvy Company Card:

• Pay in Full. The BILL Divvy Company Card is a cost card, not a bank card. This implies you will need to pay your prices in full on the finish of the billing interval. This shouldn’t be an issue if your corporation has a gentle earnings, and it’s a blessing in disguise since you’ll by no means pay curiosity.
• Versatile Credit score Line. BILL is aware of your corporation is greater than a credit score rating. It considers income, development potential, and different nontraditional elements in underwriting, which might result in a better preliminary credit score line. And your credit score line can scale as your income will increase — you may apply for a rise with just some faucets within the app.
• As Many Digital Playing cards As You Want. BILL generates digital playing cards on demand everytime you want them. I personally love digital playing cards — they’re clutch for one-time and recurring bills the place you don’t need the seller to have entry to your actual card quantity.
• No Upfront Charges for Worker Playing cards. BILL doesn’t cost any upfront or setup charges for worker playing cards. Irrespective of how many individuals are in your staff, you may hook every up with a person BILL Divvy Company Card. 
• Enforceable Budgets and Spend Controls. When you’re nervous about giving newer workers a card of their very own, BILL has customizable spend controls that make it unimaginable for workers to overspend. I’d suggest setting spend limits based mostly on position and seniority.
• Common Credit score Reporting. BILL reviews your credit score utilization and funds to the Small Enterprise Monetary Change (SBFE), a nonprofit enterprise credit score reporting company. Use your card responsibly, and also you’ll construct enterprise credit score over time.
• Secured Credit score Traces If You Don’t Qualify for an Unsecured Line. The usual BILL credit score line is unsecured, similar to an everyday bank card. When you don’t qualify as a consequence of a restricted enterprise credit score historical past or earnings, you may pre-fund a secured BILL Divvy Company Card and nonetheless profit from the pliability of a credit score line.

The BILL Divvy Company Card has a versatile rewards program that earns as much as 7 factors per $1 spent (7x) on eligible purchases. You will need to draw not less than 30% of your obtainable credit score to earn rewards in any given billing interval, and your precise earn charge is determined by your compensation frequency.

Right here’s how that appears:

You possibly can redeem factors for journey purchases, reward playing cards, assertion credit, or straight money again. You get essentially the most worth for journey redemptions — $0.01 per level — and about $0.005 per level for all different choices. So, if you happen to or your staff repeatedly journey for enterprise, Divvy is rather more rewarding.

Spend Administration (Budgeting)

BILL’s budgeting device makes it simple to create a tactical monetary plan for your corporation. 

If your organization is small and its funds comparatively easy, you may persist with a single funds that covers your entire enterprise. In any other case, create a number of budgets for departments or groups, including or eradicating workers from every funds as wanted.

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Your BILL budgets hyperlink to your BILL Divvy Company worker playing cards. Because the funds proprietor, you may require approval for each single worker card transaction or set preapprovals that enable small, routine transactions to undergo with out your say-so. However approval requests come straight to your BILL app, so it’s simple sufficient to approve a transaction with out interrupting what you’re doing. You possibly can delegate this duty to staff leaders and division heads as your group grows.

The hidden energy of BILL’s budgeting device is its skill to identify overspending in real-time earlier than it turns into a severe legal responsibility. And you’ll generate month-to-month reviews that present a scientific, granular view of spending at a person, staff, division, and firm stage. That makes it a lot simpler to regulate budgets on the fly.

Expense Administration

BILL’s expense administration device is mainly your funds or budgets in motion. It automates a lot of the busy work of enterprise accounting, like categorizing bills.

BILL integrates with third-party accounting software program. So if you happen to use one other program to trace enterprise bills for tax or budgeting functions, you may arrange your Divvy account to reflect what you may have there. That eliminates time-consuming duplicate entries and ensures your exterior accounting staff works off the identical info because the in-house people answerable for your organization budgets.

When you don’t use your BILL credit score line for each enterprise expense — and also you most likely gained’t, not less than not at first — you need to use BILL to trace what it calls “off-card” bills, too. That is actually necessary in case your workers use private bank cards to pay for journey, meals, and different incidental bills — merely enter the reimbursement in Divvy to make sure it’s tracked together with every little thing else.

Benefits of BILL Spend & Expense

BILL is a complete enterprise credit score and cash administration device. The truth that it’s completely free to make use of grabs headlines, however there’s much more for enterprise homeowners to love about it.

• No Charges or Curiosity on BILL Credit score Traces. BILL Card credit score strains don’t cost charges or curiosity. This can be a massive benefit over pay-over-time enterprise bank cards that may cost curiosity at 20% APR or greater and infrequently cost annual charges north of $100.
• Limitless Digital Playing cards. There’s no restrict on the variety of digital playing cards you may generate with BILL. Use them for recurring subscriptions, one-off funds, and some other state of affairs the place you’d want to maintain your actual card quantity protected.
• Seamless Integration With BILL Instruments and Exterior Accounting Platforms. Your BILL Divvy Company Card account integrates seamlessly with BILL’s budgeting and expense administration instruments. When you use an exterior accounting platform, you may hook it as much as BILL too. This can be a massive consider why customers surveyed by BILL mentioned it saved them 12 hours monthly on common.
• Versatile Spend Limits on Worker Playing cards. You will have the ultimate say over how a lot your workers spend (or don’t) on their worker playing cards. And you’ll approve or decline transactions with a couple of faucets. If overspending is the norm for your corporation, perhaps BILL is the reply.
• Versatile Rewards Program (As much as 7x Again). BILL has an unusually beneficiant rewards program that incentivizes you to repay purchases sooner. Repay weekly, and also you’ll earn as much as 7x on eligible purchases. That’s a 7% charge of return, which is best than most enterprise credit score suppliers.

Disadvantages of Invoice Spend & Expense

BILL isn’t excellent, although I feel it’s a lot better than the typical enterprise credit score supplier (and definitely higher than the typical enterprise bank card). Right here’s the place it falls a bit quick.

• Can’t Carry a Stability From Month to Month. If your corporation money circulate can’t assist repaying your BILL prices in full not less than month-to-month, BILL isn’t for you. The downside, in fact, is that conventional enterprise bank cards cost curiosity at eye-watering charges.
• No Enterprise Financial institution Account. BILL doesn’t have a built-in checking account, only a versatile credit score line. You’ll must hold your working capital elsewhere.

Is BILL Legit?

Sure, BILL is reliable. It acquired its begin as a budgeting and expense administration device for small and midsize companies, then expanded into enterprise credit score strains. At this time, it’s a robust enterprise finance package deal for firms that wish to get a deal with on their budgets and bills — and faucet a versatile credit score line as wanted.

Based on a survey, BILL has the potential to save lots of enterprise customers severe cash: over $10,000 monthly. BILL saves time, too, on the order of 12 hours monthly for energetic customers. And the overwhelming majority of BILL customers would suggest it to others.

Ultimate Phrase

BILL presents a versatile credit score line with worker subaccounts (the BILL Divvy Company Card), plus highly effective budgeting and expense administration instruments. It integrates with third-party accounting software program. It delivers excellent rewards on eligible spend.

And it’s completely free for enterprise customers.

BILL appears like deal, and in my educated opinion, it’s. It actually shines for small however rising firms with comparatively regular revenues, hawklike consideration to the underside line, and an aversion to paperwork and busy work. If that appears like your corporation, you’d be hard-pressed to discover a higher enterprise credit score associate.