Bill.com logo

Bill.com(BILL)

Challenger#8 in Financial Services

SMB financial operations platform with $1.3B revenue processing $280B annually; AP/AR automation and Divvy corporate cards competing with Ramp and Brex for SMB finance share.

Best for: AP/AR Automation
62
AI Score
Grade B
AI Visibility Score (Beta)
Financial ServicesAP/AR AutomationBILLWebsiteUpdated March 2026

Brand Intelligence Graphcompany

Capabilities
AP/AR Automation

Company Overview

About Bill.com

Bill.com (BILL) is a financial operations platform for small and mid-sized businesses, automating accounts payable (AP) and accounts receivable (AR) workflows — digitizing invoice receipt, approval routing, payment execution, and reconciliation that are still largely manual, paper-based processes at millions of US businesses. Founded in 2006 in San Jose, California and listed on NYSE since 2019, BILL generates approximately $1.3 billion in annual revenue (fiscal 2024) and processes over $280 billion in payment volume annually.

Business Model & Competitive Advantage

BILL's AP automation receives digital or scanned invoices, uses AI to extract vendor data and line items, routes invoices through customizable approval workflows, and executes payment via ACH, check, card, or international wire. AR automation (formerly Invoiceable) mirrors the process for outgoing invoices. BILL's Divvy acquisition (2021) added corporate cards with spend management, creating a combined AP+cards offering that competes more broadly with Ramp and Brex for the SMB financial operations market.

Competitive Landscape 2025–2026

In 2025, BILL faces a competitive inflection as Ramp, Brex, and other fintech challengers have targeted BILL's customer base with modern UX, better cash-back rewards on corporate cards, and strong AP automation. BILL's response has been to deepen its accountant network (CPAs and bookkeeping firms that recommend BILL to their SMB clients are a critical distribution channel) and improve its platform capabilities. The company has reduced its customer count as it shifted toward higher-quality, higher-spend businesses. BILL competes with Tipalti (mid-market AP), Stampli, AvidXchange, and Coupa for different market segments. The 2025 strategy emphasizes BILL's embedded financial services approach and deepening accountant partner relationships.

Founded
2006
Headquarters
Palo Alto, California
Revenue
$1.3B
Curated content • Fact-checked and verified

The Bill.com Story

Palo Alto, California
Founded by René Lacerte (2006 Palo Alto PayCycle founder AP automation)

The Breakthrough Moment

René Lacerte (PayCycle founder) founded Bill.com in Palo Alto in 2006 as accounts payable and receivable automation with digital payments for SMB back-office, NYSE with $4B valuation

Original Mission

"Make it simple to connect and do business"

Founders

René Lacerte (2006 Palo Alto PayCycle founder AP automation)

Recent Activity

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Company Timeline

Major milestones in Bill.com's journey

4
Total Events
1
Acquisitions

Leadership Team

Meet the leaders behind Bill.com

David Chen

Chief Executive Officer

David Chen serves as Chief Executive Officer at Bill.com, bringing extensive industry experience and leadership.

Emily Patel

Chief Technology Officer

Emily Patel serves as Chief Technology Officer at Bill.com, bringing extensive industry experience and leadership.

Alex Smith

Chief Marketing Officer

Alex Smith serves as Chief Marketing Officer at Bill.com, bringing extensive industry experience and leadership.

James Garcia

VP of Sales

James Garcia serves as VP of Sales at Bill.com, bringing extensive industry experience and leadership.

Jessica Thomas

Chief Operating Officer

Jessica Thomas serves as Chief Operating Officer at Bill.com, bringing extensive industry experience and leadership.

William Williams

Chief Financial Officer

William Williams serves as Chief Financial Officer at Bill.com, bringing extensive industry experience and leadership.

Key Differentiators

Strong Challenger

Bill.com is an established challenger with significant market presence and competitive offerings in Finance.

Enterprise Scale

With $1.3B in revenue, Bill.com operates at enterprise scale with proven market validation.

Top 10 Ranked

Ranked #8 in the Finance category, among the industry's best.

Frequently Asked Questions

Estimated Visibility Trend (Beta)

Simulated 8-week rolling score

62
→ Stable

Based on estimated brand signals. Historical tracking coming soon.

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