BILL Spend & Expense App 4 8 star rating Download now

It comes down to your business size, and the available funds in your bank account in order to Main Advantages of Accounting Services for Startups get approved. Each provider offers support through multiple channels, such as phone, email, and chat. Both are known for responsive service and dedicated account managers for larger clients.

Quickly fix issues blocking payments from processing

• BILL Spend & Expense eliminates the need for your client’s employees to make purchases out of their own pockets on behalf of the company and seek reimbursement.
• Users highlight the clarity and speed of Brex’s process, with many citing same-day card activation and live troubleshooting during setup.
• If a user without bank account authorization changes a recurring bill template, autopay will pause and an authorized bank account user will need to reactivate it.
• The BILL Divvy Reserve Card is the smart solution for big-spending businesses looking to maximize rewards while still accessing their deposit at any time.
• Bill is the better pick if you need strict budget enforcement and pre-set limits on every card.

The main downside is the initial time investment to set up and get all employees on board using the platform. It’s also a fairly robust system best used by larger small businesses with employees and more complicated expense management needs. User-friendly apps allow convenient access and simplified spend management with real-time categorization and budget controls. Watch this short video to learn more about this approachable advisory opportunity, and how spend management technology works for you and your clients. Target spending limits allow businesses to tailor their budgets to specific needs, increasing efficiency and flexibility of spend with BILL Divvy Corporate Cards1.

Choose your accounting software

Users can request additional funds for any budget at the click of a button. Admins can approve or deny requests directly from the notification—without ever opening the app. BILL Divvy Cards can be provided to all of your employees to use with assigned budgets. Instantly add BILL Accounts Payable, BILL Accounts Receivable, or BILL Spend & Expense service to new or existing clients, assign staff support, and sign necessary paperwork. All-in-all, they are focused a bit more broadly than that of Divvy, moving more into the accounting automation side of things and integrating with a few more accounting tools natively. They really have an impressive suite of tools and are a good option.

How should startups evaluate business credit cards?

It will also provide a more nuanced view of the status of each payment. This clear choice makes it easy to see when payments can be delivered faster while also providing the more traditional option of wire transfers when they’re needed. In fact, Local Transfer payments are typically delivered the same day or the next day, which is up to 4 days faster than BILL’s wires in local currency and up to 3 days faster than BILL’s USD wires. Recently, BILL introduced a new way to make international B2B payments—BILL Local Transfer. This feature streamlines workflows, ensuring that even when someone is unavailable, their transactions are handled by a trusted team member. QuickBooks Online and Sage Intacct customers can sync documents attached to saved bills.

• If you forecast a 50% growth in sales over the next year, your expenses will increase at a similar rate.What type of expenses will you incur?
• Construction businesses, real estate teams, contractors, nonprofits, service based agencies, and even sole proprietors would be best suited for BILL.
• Only transactions on the BILL Divvy Card will appear in BILL Spend & Expense software.
• One of Ramp’s most distinctive features is its ability to identify duplicate subscriptions and flag wasteful spending.
• If you travel internationally to see customers airline-focused rewards may be most important.
• Ramp requires $25,000 in the bank to qualify and also avoids personal guarantees.
• So, if your business has strong cash reserves but a limited credit history, Brex is likely the better fit.

Capital One Venture X Business Card

This is often the preferred option for advertising spend, travel, or supporting an executive team. If you select Allow overspend, to an extent, spending from the budget will be allowed to surpass the total for the budget—but only by the set buffer. You’ll be notified when the budget total is reached and when the buffer https://www.theclintoncourier.net/2025/12/19/main-advantages-of-accounting-services-for-startups/ has been depleted and spending is locked. This option is best for someone who wants some control over spend but also some allowance for going over budget when encountering unexpected or varying costs and doesn’t want their card to be declined. This is also a great option for those who need flexibility into how much can be assigned to budget memebrs to avoid unwanted declines.

Add cards to vendors faster with this new feature

• If you don’t use your BILL credit line for every business expense — and you probably won’t, at least not at first — you can use BILL to track what it calls “off-card” expenses, too.
• Closing the books is necessary and fundamental, but it relies on duplicative, manual, and time-consuming work.
• One bit that I noticed when using Ramp is that they are a bit more focused on SMS interactions instead of having a fully-featured mobile app (unlike that of Divvy for example).
• This makes it a better fit for teams that want to manage costs tightly from day one.
• However, only startups with high credit ratings will be approved.

You can redeem points for travel purchases, gift cards, statement credits, or straight cash back. You get the most value for travel redemptions — $0.01 per point — and about $0.005 per point for all other options. So, if you or your team regularly travel for business, Divvy is much more rewarding. It goes a step further with powerful spend tracking and expense management tools, too. It’s an impressive tool that every growing business should think seriously about adding. BILL connects with leading accounting software and other financial process tools, helping you to reduce manual entry, speed up account reconciliation, and simplify every step of your workflow.

Brex, by contrast, uses policy-based controls rather than locked budgets. You can set rules around categories, vendors, or transaction limits, but the system allows flexibility. Bill uses a budget-first system that forces teams to plan their spending before it occurs. You assign budgets to departments, users, or projects, and every card is tied directly to those limits. Brex is the better option if you’re growing fast and want access to higher limits without reapplying. Bill is better if you prefer a fixed, credit-based approach and tighter control over your expenses.

The platform uses artificial intelligence to automate cash flow planning, send balance alerts, and forecast liquidity, so finance teams can make smarter decisions without extra effort. Just creating virtual cards does not mean you can actually scale a team and keep close track of budgets and receipt matching + QBO automatic reconciling without a proper expense management solution. BILL offers a single, unified plan called Spend & Expense that includes the BILL Divvy credit card and core expense management features.

Brex uses financial factors like revenue and expenses to determine your credit limit. In addition, you can apply with an Employer Identification Number (EIN) instead of your Social Security number (SSN), so no personal credit check or guarantee is necessary. The software is free for BILL users, regardless of business size, though BILL clarifies that its solutions are meant for businesses with fewer than 500 employees. BILL makes money through card interchange fees, meaning it takes a small slice of every transaction you make before passing the funds along to the merchant.