BILL runs accounts payable, accounts receivable, and spend management for small and midsize businesses on a single platform. The Spend & Expense side is the former Divvy product, paired with a Visa corporate card and budget controls. The AP/AR side handles bill pay, invoicing, and ACH or international payments.

Customers span small brands (Marine Layer, Spikeball, Noom), accounting firms (Baker Tilly, CliftonLarsonAllen), and wealth management practices. There's a dedicated Accountant Console and a separate product line for accounting firms.

Scale per their site: 500K+ businesses on the platform, 8.3M members in the payment network, and $345B in annual payment volume, which they peg at roughly 1% of US GDP.

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