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BILL runs the back office for small businesses — the software that automates bills, invoices and expenses for ~493,800 companies. It never lends the money itself; it moves ~$330B a year across bank and card rails and takes a thin fee on each payment, which is why transaction fees (~70% of revenue) matter far more than its subscriptions.

What BILL Holdings, Inc. really sells

BILL runs the back office for small businesses — the software that automates bills, invoices and expenses for ~493,800 companies. It never lends the money itself; it moves ~$330B a year across bank and card rails and takes a thin fee on each payment, which is why transaction fees (~70% of revenue) matter far more than its subscriptions.

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