An all-in-one expense management and business budgeting software

About Divvy

Divvy, a financial platform for small to medium businesses by BILL, manages all types of expense-related payments. With this software, companies can build strategic budgets and use automation to eliminate expense reports. Divvy does all this by integrating real-time tracking on all business transactions made by virtual cards. Every reimbursement request that comes in gets an instant review almost as it happens. Through Divvy, companies can review past spending to make better informed financial decisions in the future.

There are two versions: one for small businesses (1-20 employees) and another for medium businesses (21-500 employees). The Divvy app is available on both the Apple Store and Google Play.

Video Overview

Key Features

  • Business Credit: Users can apply for new credit lines in minutes
  • Spend Management: Control budgets to spend smarter on business-related transactions
  • Budget by Team: Create independent budgets for separate departments and teams
  • Pre-spend Approvals: Use rules to determine which expenses are pre-approved in the budget
  • Expense Management: Simplify and streamline work expenses
  • AP Automation: Reduce time spent on AP by 50% by automating capture, approval, payment, and syncing
  • Virtual Cards: Protects businesses from fraud and overspending by making transactions digital
  • Physical Cards: Receive as many physical cards as necessary to cut down on unapproved card sharing
  • Reimbursements: One system for managing out-of-pocket expenses, card spend, and reimbursements
  • Rewards: Measure card spending to offer customers rewards
  • Reporting and Insights: Closely review spending by budget, department, or project
  • Accounting Integrations: Preserve existing accounting processes with several built-in software integrations
  • Payments Services: Streamline internal payables process on large invoices
  • Notes: Detail why a request was approved or not directly in the app
  • Mobile Notifications: Get real-time updates on-the-go through messaging on the mobile app

By using Divvy to manage all expenses, you can better manage your budgets and maintain real-time visibility.


Divvy protects financial data using a variety of industry-standard protocols, such as:

  • PCI DSS certification
  • SOC2 Type 1 compliance


The Divvy platform is completely free-to-use. There are no hidden fees or contracts to sign. Divvy makes money from the fees between Visa and issuing banks, allowing users to request as many virtual and physical cards as they want for free.

Free mobile apps are available on both the Apple Store and Google Play. The web app is accessible through most Internet browsers.

Industries Served

Divvy can serve every industry, though it is particularly useful in these fields:

  • Construction: Best for streamlining budgeting processes and reducing card sharing amongst workers.
  • Technology: Ideal for these fast-paced businesses that need a spend management platform that can keep up with real-time changes.
  • Accounting Firms: Provides an easier way to oversee client spending habits.
  • eCommerce and Retail: Provides online sellers uninterrupted advertising for their campaigns.
  • Healthcare: Offers increased control over finances at no cost with minimal time investment.

Product Overview

  • Developer Divvy
  • Client OS
  • Deployment Cloud Hosted
  • Starting Price Free

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