BILL builds cloud software that automates payables, receivables, and spend/expense workflows for small and midsize businesses and accounting firms, with integrations to QuickBooks, NetSuite, and Intacct. Its model combines SaaS subscriptions with payment processing and card interchange fees across its B2B payments network. Publicly traded on the NYSE (BILL) and headquartered in San Jose, it was founded in 2006 and expanded with the Divvy and Invoice2go acquisitions.