Divvy, now operated as BILL Spend & Expense, is a spend-management platform that pairs free expense-management software with smart corporate cards, giving small and mid-sized businesses real-time visibility and budget controls over company spending. Stewarded by 📝BILL since a 2021 acquisition, it originated as an independent startup that built its business on bundling cards with software rather than charging subscription fees.
Divvy was founded in late 2016 in Lehi, Utah, by Blake Murray and Alex Bean, and grew into one of the more widely adopted free spend-management tools for small businesses. In 2021, Bill.com acquired it in a cash-and-stock deal valued at roughly $2.5 billion and has since folded it into its platform as BILL Spend & Expense, positioning it against corporate-card and spend-management rivals such as 📝Brex and 📝Ramp.
Key Features
- Smart corporate cards — Physical and virtual cards with per-card and per-budget limits that finance teams set and adjust in real time.
- Free expense software — Budgeting, receipt capture, and spend tracking bundled with the cards rather than sold as a separate SaaS subscription.
- Real-time budget controls — Funds are pre-allocated to teams and projects, stopping overspend before a transaction clears.
- Automated reconciliation — Card transactions categorize and sync to accounting systems, cutting manual expense reports.