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Effective URL: https://www.bill.com/product/credit?utm_source=marketo&utm_medium=email&utm_campaign=prospect-drip-nurture&channelid=...
Submission: On September 07 via manual from SG — Scanned from SG

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Product
Accounts Payable & Receivable
Streamline how you pay and get paid


Spend & Expense
Get credit, control budgets, manage spend

Accounts Payable
Accounts Receivable
Accountant Console
Pay By Card
ACH Payments
International Payments
Invoicing
Approvals
Integrations
Controls
Mobile App
Security
Explore BILL's Integrated Platform

Spend & Expense
Expense Management
Rewards
Budget Management
Mobile App
Business Credit
Payment Services
Virtual Card
Reporting & Insights
Reimbursements
Integrations
Explore BILL's Integrated Platform

Learn how you can simplify your bills.
Start using BILL today


Solutions
Small Businesses
Easily manage & automate your processes

Midsize Companies
Scale your finance operations efficiently

BY INDUSTRY

Construction
Nonprofits
Education
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Millions of businesses and accounting firms trust BILL.
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Resources
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Explore events, guides, and downloadable tools related to your topics of
interest

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LEARN & CONNECT

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RECENTLY FEATURED

Modern expense tracking
Download the guide

TEI Report
Download the guide


Company
Press Releases
Official communications from BILL

Investor Relations
Information and resources for investors

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We're Hiring!
Careers overview and current job openings

ABOUT BILL

Our Story
Leadership
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BILL is making the financial back office a better place.
Start using BILL today


Accounting Firms
Pricing
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Product

ACCOUNTS PAYABLE & RECEIVABLE FEATURES

Streamline how you pay and get paid
Accounts Payable
Accounts Receivable
Accountant Console
Pay By Card
ACH Payments
International Payments
Invoicing
Approvals
Integrations
Controls
Mobile App
Security

SPEND & EXPENSE FEATURES

Get credit, control budgets, manage spend
Spend & Expense
Expense Management
Rewards
Budget Management
Mobile App
Business Credit
Payment Services
Virtual Card
Reporting & Insights
Reimbursements
Integrations
Explore BILL's Integrated Platform

Learn how you can simplify your bills.
Experience a Product Demo


Solutions
Small Businesses
Easily manage & automate your processes

Midsize Companies
Scale your finance operations efficiently

BY INDUSTRY

Construction
Education
Healthcare
Hospitality
Manufacturing
Nonprofits
Professional Services
Retail and Ecommerce
Software and Technology
Wealth Management
Millions of businesses and accounting firms trust BILL.
Explore customer stories


Resources
Resource Center
Explore events, guides, and downloadable tools related to your topics of
interest

Blog
Stay up-to-date with the latest articles to improve your financial operations.

Customer Stories
Discover why millions of businesses and top accounting firms use BILL

LEARN & CONNECT

Learning Center
Webinars
Guides
Business Templates
BILL Product Updates
Accountant Resource Center
Find an Accountant

RECENTLY FEATURED

No items found.

Company
Press Releases
Official communications from BILL

Investor Relations
Information and resources for investors

Careers
We're Hiring!
Careers overview and current job openings

ABOUT BILL

Our Story
Leadership
News Coverage
Press Kit
Contact Us
BILL is making the financial back office a better place.
Start using BILL today


Accounting FirmsPricing
Get Started

It's official: Divvy is now BILL Spend & Expense
Keep everything you love about Divvy—and access more ways to automate your
financial operations.
bill divvy corporate card



FAST AND FLEXIBLE BUSINESS CREDIT

With credit lines from $5-15M*, BILL Spend & Expense makes it easy to access the
funding you need, no matter the size of your business. Apply for a credit line
through a simple online application and start spending smarter.
Request a demo to get started
Control Budgets | Manage Spend | Get Credit
I work for an Accounting Firm
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CREDIT THAT SCALES WITH YOUR BUSINESS

Get a credit line that scales with your business. In the future, you can apply
for credit line increases from right within your dashboard.


Get Started


FLEXIBLE
UNDERWRITING

We love learning about what makes each company unique and offer multiple ways of
underwriting in order to provide you with a credit line that fits your business.


CARDS FOR
EVERY EMPLOYEE

At BILL, you can empower each and every employee with their own BILL Divvy
Corporate Card. Every card is linked to proactive spend controls where you call
the shots.


SEAMLESS SOFTWARE INTEGRATION

With seamless desktop software and a 4.7 star-rated app (11/12/2021), our
integrations don’t require you, or your employees, to change how you do
business.


THE BILL DIVVY CORPORATE CARD
VS. OTHER CORPORATE CARDS

get started


BILL

No annual fees

Flexible rewards

Seamless, automatic expense management with BILL Spend & Expense software

Access to virtual cards for greater control of your online purchases and
subscriptions

Each employee gets a card that can be controlled by your admin

Set budgets to control spend

OTHER CORPORATE CARDS

Annual & monthly fees

Set rewards

Used in combination with other software like Expensify, Concur, Excel, paper
expense management, etc.

Some allow for virtual cards

Limited number of cards per organization

No spending locks or tracking


GETTING APPROVED IS SIMPLE



APPLY FOR CREDIT ONLINE

FIND A BILL PROGRAM THAT’S RIGHT FOR YOU

START SPENDING SMARTER



“A FREE CARD SERVICE THAT ALSO GIVES US REWARDS—YOU CAN’T BEAT THAT. PLUS, WITH
[BILL], WE CAN TRACK OUR COMPANY’S CREDIT CARD SPEND IN ONE PLACE.”


Steve Plowman
Controller at Artemis Health




Read the Artemis Health case study



QUICK AND EASY CONTACTLESS PAYMENTS

From tap-to-pay with Visa to Apple and Google Pay, we’ve got you covered.
Seamlessly and securely make touch-free payments however suits you and your
business best.


Get started


ADVANCED FRAUD PROTECTION

BILL Spend & Expense uses an advanced third-party platform that monitors all
transactions in real-time and prevents complex fraud incidents with speed and
accuracy to protect your business.


Get started



EARN MORE WITH
BILL REWARDS

Control your rewards earnings based on your payoff
schedule. The more often you make payments, the more
rewards you can earn.


Get started


MORE ON GETTING BUSINESS CREDIT WITH BILL SPEND & EXPENSE

How does BILL help build your credit score?

As part of our mission to make money smarter, BILL reports customer credit
performance to the Small Business Financial Exchange (SBFE®). That means you can
use BILL to build credit history and credit score for your business simply by
paying on time.

How BILL cards change company culture?

BILL surveyed employee sentiment before and after receiving a corporate card; we
saw positive results in three key areas: employee empowerment, company pride,
and career development. You can significantly move the needle on a more positive
company culture (while saving time and money) by utilizing the BILL Spend &
Expense platform. Giving each employee a corporate card indicates trust and
commitment that can transform your company.

Why does my business need a business credit card?

When it comes to streamlining business expenses, a company credit card can save
you time and money. Separating business spending from personal spending makes it
easier to reconcile accounts at the end of the month and get taxes right at
year-end. If you have a growing team, consider using a platform like BILL Spend
& Expense to provide individual cards to every employee, thereby eliminating
manual expense reports and cumbersome reimbursement processes.

What is the difference between business credit cards and personal credit cards?

While personal credit cards can be used by businesses, it’s incredibly helpful
to separate spending by opening a new credit line for company accounts.
Corporate cards are specifically designed for business use, with tailored
rewards and industry bonuses—however, they may also have higher fees. While it’s
helpful to have an EIN number to apply for a business credit card, it may not be
necessary.

Can I qualify for a business credit card with bad credit?

Yes, you can qualify for a business credit card when you have bad credit. Each
card provider will have different credit score standards for their applications,
but that shouldn’t stop you from applying. Many card companies will be lenient
with poor credit if you’re willing to submit payments more frequently or accept
a smaller credit line to start. You may also qualify for secured credit lines,
those that require a security deposit when you open an account.

What are the benefits of having a business credit card?

Aside from the obvious record-keeping benefits of separating corporate and
personal spending, having a business credit card has many rewards. Creating a
credit line for business purchases is easier than qualifying for a loan and
helps to build your company credit score. Business credit cards also come with
attractive perks and rewards like cash back or travel benefits.

What’s the benefit of having a credit card that ties to your expense management
software?

Old school expense management processes involved a lot of data entry and paper
trails. By using software that ties directly to your business credit card you
can completely eliminate these cumbersome processes, saving you time and money.
BILL provides credit cards to every employee—for free—so that you can track
company spend in real time and set up budgets that prevent overspending.





READY TO GET SOME CREDIT?

Request a demo to get started.

Get started

*Credit lines and the advertised range are not guaranteed and will be determined
upon application approval.
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Spend & Expense Integrations
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ACH
International Payments
Pay By Card
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BILL AP/AR services are provided by Bill.com LLC; Spend & Expense services are
provided by Divvy Pay LLC; BILL Divvy Corporate Card is issued by Cross River
Bank, member FDIC.
© 2023 Bill.com, LLC. BILL, the BILL logo, and the “b” logo are trademarks of
Bill.com, LLC. All other company names and brands are the property of their
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