BILL Spend & Expense (Divvy) vs Nav Business Credit Builder Usage & Stats
BILL Spend & Expense, formerly Divvy, is a free automated expense management solution that combines corporate cards with easy-to-use software to provide a seamless experience for managing your business spending and expenses. Track company expenses and get real-time budget insight so you can proactively make smart spending decisions.
AUTOMATE YOUR EXPENSES
Purchases are instantly recorded in the app, reducing manual input and allowing for greater efficiency.
GAIN REAL-TIME VISIBILITY
Live expense reporting and insights enables you to keep track of your company's expenditures as they occur.
PHYSICAL CORPORATE CARDS
BILL Divvy Corporate Cards can be issued to all of your employees for easy in-person spending.
VIRTUAL CARDS
Create as many free virtual cards as you need, providing a safe and convenient alternative for employees to handle business expenses.
STAY WITHIN BUDGET
Put proactive spend controls in place to prevent unapproved purchases and ensure that all spending aligns with company policies.
LET YOUR TEAM MANAGE APPROVALS
Customize transaction approval flows according to your org chart to stay on top of spending.
TRACK OUT-OF-POCKET EXPENSES
Easily manage reimbursements for spend that happens on personal cards and still stay within budget.
MAKE MONTH END A BREEZE
Integrate your expenses with major accounting software such as QuickBooks, Xero, NetSuite, and Sage Intacct, and make it effortless to manage your finances and close your books in record time.
Download the BILL Spend & Expense app to streamline your business expense management, save valuable time and resources, and gain real-time control over your expenses.
If you're looking to manage accounts payable and accounts receivable on the go, please download the BILL AP & AR app.
Disclosure: BILL AP/AR services are provided by Bill.com LLC; Spend & Expense services are provided by Divvy Pay LLC; BILL Divvy Corporate Card is issued by Cross River Bank, member FDIC.
- Apple App Store
- Free
- Finance
Store Rank
- -
Nav is the only platform that combines up to 6 business and personal credit profiles from all the major bureaus into one simple dashboard. You can track your business credit data from Experian, Dun & Bradstreet, and Equifax, and get personal credit reports from Experian and TransUnion. Plus, join Nav Prime to get up to 2 tradelines to build business credit, and 1 to build personal credit.
But your toolkit goes way beyond tools to help you build credit. With Nav, you can also manage your business checking and cash flow, plus explore financing options — all in one place.
Over 2 million businesses have trusted Nav to help them run their business. Our customers call our app a must-have, all-in-one solution for their business finances.
Here’s what you get with the Nav app:
* Get the fullest picture of your credit health — track up to 6 business and personal credit profiles in one place
* See when your Nav Prime tradelines report to the major bureaus
* Manage your Nav Prime Card on the go
* Track the factors that impact your credit the most and take control with real-time alerts
* Avoid negative cash flow surprises with simplified bookkeeping tools like balance forecasting and one-click profit & loss statements
* Get matched with lending and credit card picks that update automatically as your profile changes, across our network of 160+ options
* Connect monthly with a dedicated business credit coach to discuss your goals, strategy, and options for building your business credit
DISCLAIMERS
**Banking**
Nav Technologies, Inc. is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. The Nav Prime Charge Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. See Cardholder Terms for additional details: https://www.nav.com/prime-card-terms/. All other features of the Nav Prime membership are not associated with Thread Bank.
With regard to credit building features: scores are calculated from many variables; some users may not see improved scores. The Nav Prime Charge Card is a business financing product and may not be used for personal, family or household transactions.
**Privacy**
Your privacy is important to us, and we do not allow third parties to collect personally identifiable information without your permission. Read more at https://www.nav.com/privacy/
**Data security**
We take your online security seriously, which is why we use Plaid to connect your bank and other accounts. Plaid has bank-level encryption.
**Your curated funding options**
Credit card and funding options shown in your Nav account are from our network of partner providers. Offers range from credit cards to lines of credit, merchant cash advances, and loans. We match offers based on information you provide in your business profile, including your time in business, cash flow, and annual revenue.
- Apple App Store
- Free
- Finance
Store Rank
- -
BILL Spend & Expense (Divvy) VS. 
Nav Business Credit BuilderJanuary 16, 2026