Glep vs. BILL

BILL Spend & Expense is $0 per user per month and comes with the BILL Divvy Card, a credit line subject to approval. BILL Accounts Payable and Receivable are $49 per user per month on Essentials, $65 on Team and $89 on Corporate, with Enterprise custom, and payments carry fees on every plan: ACH $0.59, same-day ACH $11.99, mailed check $1.99, instant payment 1%, as published on bill.com/product/pricing on September 24, 2026. Glep is $0 with no monthly fee, no per-user fee, $0 ACH and domestic wires, and a 3% FX fee on international card transactions.

BILL's multi-entity and multi-location accounting is an Enterprise feature at custom pricing, and custom user roles start on Team at $65 per user per month. Glep includes multi-entity management free, with a separate account per LLC, a sub-account per property and team access scoped per entity.

Yes, at no cost and with no credit application: the project's budget is the card's limit and it declines past it. BILL issues Divvy credit cards subject to approval and lists no contractor card with a project cap, and its custom expense policies start on Corporate at $89 per user, so the nearest control is both paid and approval-gated.

Every LLC lives under one login with its own cards, records and approval rules, and each team member sees only the entities you give them. Add an LLC, invite the team, issue cards; nothing is commingled. BILL puts multi-entity management on Enterprise at custom pricing and custom roles on Team at $65 per user, so a second or third LLC moves you up the price list rather than into a setting.

Glep works upstream of your ledger: the property is attached as the money moves, so the ledger gets clean data and your accountant keeps their software. BILL codes to the GL fields you set up and captures receipts and bills with AI, which is the same job in the opposite order, with the coding structure yours to design and maintain before anything lands in it.

Yes, and the card is in the app as well as the receipt: issue, freeze or terminate from the phone, approve spend, and see only your own entities. BILL has iOS and Android apps built around bills and approvals, and its custom policies sit on Corporate at $89 per user, so the mobile approval depends on the tier you bought.

Nothing has to be switched off on day one. BILL is not a bank, so the account you pay bills from is yours either way: open a Glep account with your US business entity and EIN, add each LLC, open sub-accounts for your properties and issue cards. Operators usually run one property or one deal through Glep first. BILL charges $49 to $89 per user for AP and AR where Glep has no per-user fee, so running both for a cycle costs nothing on the Glep side.

If your business is a set of properties held in a set of entities, Glep is built around that structure: an account per LLC, a sub-account per property, Aida tagging every transaction to the property it belongs to, and contractor cards that stop at the budget. Contractors and developers get the same structure for projects, draws and crews, and pay subs at $0 by same-day ACH, wire, RTP or FedNow. If your business is outside real estate but runs money across several entities, projects or vendors, Glep gives you the bank account, multi-entity management, entity-scoped team access, sub-accounts with unique account numbers, approval workflows and unlimited cards on the free plan, with no per-user software fee and no per-payment fee on domestic rails. Start with one property or one project and move the rest on your own schedule; there is no contract and no lock-in.