BILL Holdings, Inc.

BILL Holdings, Inc. (NYSE: BILL) operates an intelligent finance platform designed to simplify financial operations for small and midsize businesses. The company's website is www.bill.com.

BILL provides an integrated suite of financial automation solutions that enable businesses to manage accounts payable, accounts receivable, spend and expense management, and payment processing through a single cloud-based platform. The company processes approximately $371.3 billion in total payment volume annually and serves approximately 479,300 businesses as of June 30, 2026. The platform connects approximately 9.2 million network members who have paid or received funds electronically through BILL's system.

The core platform automates the complete financial workflow for SMBs, from invoice receipt and approval through payment processing and reconciliation with accounting systems. BILL's accounts payable automation streamlines bill capture, approval workflows, and payment execution. The accounts receivable service automates invoice creation, delivery, and collection. BILL Spend and Expense provides charge card issuance through partner banks, budget management, and expense tracking capabilities. The company also offers comprehensive payment services including ACH transfers, card payments, real-time payments, checks, cross-border payments, and invoice financing through partner banks.

BILL differentiates itself through its proprietary AI capabilities, including AI agents designed to automate routine tasks such as W-9 filings, invoice coding, and transaction reconciliation. The platform integrates with leading accounting software including QuickBooks, Oracle NetSuite, Sage Intacct, and Xero. The company distributes through direct sales channels and indirect partnerships with accounting firms, financial institutions, and software providers, including recent Embed 2.0 partnerships with Paychex, Oracle NetSuite, and Acumatica.

As of June 30, 2026, BILL employed 1,683 people across offices in San Jose, California and Draper, Utah, with additional remote workers. The company maintains money transmitter licenses across required U.S. jurisdictions and Canada, operates as a registered Money Services Business with FinCEN, and maintains SOC 2 Type II certification. BILL's proprietary risk management capabilities resulted in fraud and credit loss rates of approximately 0.01 percent of total payment volume for accounts payable and receivable services during fiscal 2026.