Comparison · Light vs BILL Spend & Expense
Light vs BILL Spend & Expense
BILL Spend & Expense, formerly Divvy, pairs a corporate charge card with free spend management for US businesses: unlimited virtual cards, budgets by person, team or project, receipt capture, expense reports, reimbursements and approvals, with reimbursements and payments synced to your accounting system in US dollars. Light is the agentic ERP that is the ledger, with corporate cards, expenses, AP, AR, procurement, vendor payments on local rails in 80+ countries and multi-entity consolidation in one system.
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Light and BILL Spend & Expense, compared
| Feature | Light | BILL Spend & Expense |
|---|---|---|
| General ledger and accounting system of record | Yes | No |
| Corporate and virtual cards | Yes | Yes |
| Budgets and spend controls per team or project | Yes | Yes |
| Expense capture and approval workflows | Yes | Yes |
| Multi-entity consolidation and group reporting | Yes | No |
| Local books for entities outside the United States | Yes | No |
| One system for both spend and the ledger | Yes | No |
4 week implementation
KPMG global partnership
Remove 4+ tools
700+ apps
The world's most demanding finance teams run on Light.
Go beyond the spend tool
BILL Spend & Expense manages cards and expenses, then syncs to your accounting system. Light includes the ledger alongside spend and payments.
- 01
Keep each receipt with its entry
Capture receipts in Slack, Teams or email. Light keeps card transactions, coding and postings together for your team to review.
- 02
See the consolidated group
BILL Spend & Expense sets policies by entity and syncs in US dollars. Light consolidates every entity's accounts in its own currency, including currency translation and intercompany eliminations.
When to choose Light
- 01
The ledger is included
Light is the system of record: spend, AP, AR and the general ledger in one platform, so there is no separate ERP to choose.
- 02
The close happens in one place
The card transaction, the receipt and the ledger entry sit in one system, so there is nothing to match across systems.
- 03
Group accounts, not a dashboard
Consolidated financial statements come from the ledger itself, across every entity and currency.
Trusted by the world's
fastest growing companies
See how finance teams run lean and global on Light.
Read customer stories-
“We evaluated several vendors. Light won because it covers our full finance stack, revenue, AR, AP, expenses, and consolidation, without stitching together a patchwork of point solutions.”
Tanja, Director of FinanceOmnea -
“Even though we’re three entities, it’s like I’m running a finance department for one entity.”
Thobias, Finance ManagerAlva Labs -
“I really like that Light’s AI already gives me suggestions, GL accounts, cost centers, tax codes. I don’t have to start from scratch.”
Cédric, Finance ManagerOper Credits -
“Nine times out of ten the AI matches everything and posts it to the right account. One click and you’re done.”
Jeppe, CFOKeyShot
Built for the daily work
Bills through to payment
Capture invoices, route approvals and pay vendors from the same system.
Room to grow
One ledger built to handle billions of transactions across your business.
Trace every number
Open a report and drill straight into the transactions behind it.
Spending, under control
Expenses, vendors and cards connected to your ledger.
Expenses
Collect receipts, approve expenses and track spend as it happens.
Vendors
Keep supplier details, bills and approvals together. Apply your purchasing rules as work moves through.
Cards
Issue cards for employees and vendors. Pay with Apple Pay or Google Pay. Send receipts through Slack, Teams or email.
Frequently asked questions
Is BILL Spend & Expense the same as Divvy?
Yes. Divvy is now sold as BILL Spend & Expense, with the BILL Divvy Card.
Do we have to replace our BILL Spend & Expense cards?
No. Add your BILL Spend & Expense cards to Light as an external card account and bring the transactions in by CSV upload or a continuous push through the Light API. From there the transactions are handled like Light card spend: cardholders are asked for receipts, AI matches and codes each transaction, and it posts to the ledger. Your cards and your plan stay with BILL Spend & Expense. If you later move to Light cards, the card transaction and the ledger entry become one record.
Does Light support virtual cards?
Yes, alongside corporate cards with Apple Pay and Google Pay.
When does BILL Spend & Expense still fit?
A US business that wants a charge card and free spend software and plans to keep its accounting system.
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