Access a revolving credit line based on your BILL transaction history. Apply for a BILL Revenue Financing Credit Line in just a few clicks and receive funds in as little as 5–10 minutes¹ to power payroll, inventory, or your next growth milestone.
Everything you need to manage your credit line
Get up to $100,000 in working capital to cover payroll, restock inventory, or fund your next growth move, without reapplying every time you need to draw.
Manage your costs with a straightforward 2% draw fee and 2% monthly interest on your outstanding balance (28.0% APR).
Always know how much capital you have available with your live credit balance displayed directly in your BILL dashboard.
Three steps to faster funding
Complete a quick online application with no impact on your credit score. Just verify your business and ownership details.
Request your funds (starting at a $10,000 minimum) and receive them in minutes.
Your customers pay their invoices as usual. We automatically apply those incoming funds toward your balance so you can focus on running your business.
BILL Spend & Expense
Control what goes out while Revenue Financing covers what comes in—manage employee spend, set budgets, and automate expense reporting in one place.
Business credit
Need a larger credit line? Access business credit from $1K to $5M with a same-day decision, no personal guarantee required.2
BILL Accounts Receivable
Send invoices, automate follow-ups, and get paid faster—the AR history that powers your Revenue Financing eligibility starts here.
Flexible, revolving capital
Draw what you need without reapplying. As you pay it down, your available credit automatically refreshes so it's always there when you need it.
Near-immediate funds
Once you’re approved, request a draw and receive funds in your account in as little as 5–10 minutes.
Effortless repayment
We simplify your repayment schedule by automatically applying incoming invoice payments toward your monthly minimum payment.
Frequently asked questions
Eligibility is based on your history with BILL. Common factors include your time on the platform, payment consistency, and your customer concentration. Please note: Revenue Financing is currently only offered to a limited number of customers.
Eligibility is based on your history with BILL. Common factors include your time on the platform, payment consistency, and your customer concentration. Please note: Revenue Financing is currently only offered to a limited number of customers.
Pricing is a 2% draw fee at the time of your draw plus 2% monthly interest on your outstanding balance (28.0% APR over 12 months).
Pricing is a 2% draw fee at the time of your draw plus 2% monthly interest on your outstanding balance (28.0% APR over 12 months).
- Complete a quick online application with no credit score impact, verifying business and ownership details.
- Draw what you need (minimum $10,000) and receive funds in as little as 5–10 minutes.
- Repayment happens automatically as your customers pay their invoices through BILL.
- Complete a quick online application with no credit score impact, verifying business and ownership details.
- Draw what you need (minimum $10,000) and receive funds in as little as 5–10 minutes.
- Repayment happens automatically as your customers pay their invoices through BILL.
No. Your customers pay through BILL as they always have.
No. Your customers pay through BILL as they always have.
If your incoming invoices don't satisfy the minimum by your due date, BILL will automatically debit the remaining balance from your linked bank account to keep your account current.
If your incoming invoices don't satisfy the minimum by your due date, BILL will automatically debit the remaining balance from your linked bank account to keep your account current.
Unlike traditional loans that require lengthy paperwork, physical collateral, or personal guarantees, this line of credit is designed for speed. It leverages your existing data on BILL to provide decisions and funds in minutes. Additionally, it simplifies your debt management by automatically applying incoming invoice payments to satisfy your monthly minimum payments.
Unlike traditional loans that require lengthy paperwork, physical collateral, or personal guarantees, this line of credit is designed for speed. It leverages your existing data on BILL to provide decisions and funds in minutes. Additionally, it simplifies your debt management by automatically applying incoming invoice payments to satisfy your monthly minimum payments.
The BILL Revenue Financing Credit Line is issued by WebBank and offered through Bill.com Capital 3, LLC.
The BILL Revenue Financing Credit Line is issued by WebBank and offered through Bill.com Capital 3, LLC.
1Requires an eligible bank account that supports instant payments. Payments made to non-eligible accounts will be delivered via ACH, which typically arrive in 1-2 business days.
BILL Revenue Financing Credit Line is issued by WebBank and offered through Bill.com Capital 3, LLC.
Please see FAQs for more details.
2Credit lines and the advertised range are not guaranteed and will be determined upon application approval.