Customers who switched from Divvy to Ramp

Divvy, now renamed BILL Spend & Expense, gives growing teams an accessible way to issue cards and track business spending. But if you're managing your own books, the real test comes at month-end, when manual receipt chasing and transaction coding start to pile up.

The finance teams below switched to Ramp after hitting those limits. If you've run into the same challenges, slow reconciliation, limited visibility, or trying to scale expense operations without adding headcount, their stories will sound familiar.

What is Divvy (BILL Spend & Expense)?

Divvy is an expense management platform that pairs corporate cards with spend tracking software. BILL acquired Divvy in 2021 and renamed it BILL Spend & Expense in 2022, though many teams still know it by the original name. It lets you issue cards, set budgets, and track employee expenses from a single dashboard.

If you're on a growing finance team, Divvy works well as a first step toward getting company spend organized. The free tier and simple card setup make it easy to get started.

But as you grow, hiring more people, expanding into new time zones, or preparing for your first audit, you may find the platform's automation and visibility features don't quite keep pace.

Why finance teams switch from Divvy

Manual work is usually what pushes you to switch expense platforms, not one dramatic failure, but the slow buildup of receipts, coding, and reconciliation that eats into every close cycle. Tracking down receipts, coding transactions by hand, and pulling spend data from multiple systems: it all adds up.

If you've outgrown Divvy, you've probably run into a few of these challenges:

• Manual receipt tracking: Without automated receipt capture, you end up chasing employees for receipts and matching them to transactions yourself. The problem gets worse with remote or distributed teams.
• Limited real-time visibility: When you can only see a complete picture of company spend at month-end, catching budget overruns or savings opportunities mid-cycle becomes difficult.
• Fragmented reimbursement workflows: If your card program and reimbursement tool live in separate systems, the administrative work multiplies as you add employees.
• Time-consuming reconciliation: Coding transactions manually across multiple categories and cost centers can eat up days of work each close cycle.

None of this means the product is broken. These are just limitations that get harder to ignore as your team grows.

UpEquity: real-time spend visibility for a scaling team

The challenge

UpEquity's finance team juggled expenses across Divvy and a handful of other tools as the company grew from 25 to over 80 employees. The fragmented setup created blind spots. Tyler Bliha, Head of Strategy and Finance, couldn't see how the company was spending until the books closed each month. By then, it was too late to course-correct or catch savings opportunities.

The reimbursement process had become a time sink on its own. With multiple platforms involved, tracking down receipts and processing employee requests ate into hours that could have gone toward more strategic work.

How Ramp solved it

• Consolidated corporate cards and expense management into a single platform, replacing the fragmented multi-tool setup
• Real-time spend dashboards updated continuously, giving finance visibility into spend mid-month — not just at close
• Streamlined reimbursements with delegated approvals, reducing weekly admin time
• Instant card issuance allowing new employees to be onboarded in seconds

The results

• 10 seconds to onboard new employees and issue cards
• 10–15 minutes per week spent on reimbursements, down from hours
• Real-time intra-month spend insights for proactive budget management

"Not until Ramp did we see basically intra-month insights into our day-to-day spend." — Tyler Bliha, Head of Strategy and Finance, UpEquity

Read the full UpEquity story →

FirstBlood: cutting month-end close from seven days to one

The challenge

FirstBlood runs a fully remote team spread across nine time zones. That setup made manual receipt collection especially painful. On Divvy, CFO Kyle Potter spent seven days each month coding receipts and reconciling transactions. Without automated categorization, every single transaction required manual attention.

The distributed nature of the team compounded the problem. Chasing down receipts from employees in different countries and time zones turned a routine task into a logistical headache. Out-of-pocket expenses often slipped through the cracks entirely.

How Ramp solved it

• AI-powered transaction coding that learns from past categorizations — once a vendor is coded, Ramp suggests the same coding automatically for future transactions
• Automated receipt capture eliminates manual documentation chasing across time zones
• Accounting automation with continuous sync, replacing the manual month-end batch process
• Spend controls with vendor restrictions, enforcing policy without manual oversight

The results

• Monthly close: 7 days → 1 day
• 150% faster monthly close overall
• 40 hours saved per month
• $0 out-of-pocket spend with automated receipt capture
• 3 duplicate Adobe subscriptions identified and eliminated

"We basically went from spending seven days coding down to one day, because the receipts are all there." — Kyle Potter, CFO, FirstBlood

Read the full FirstBlood story →

Common challenges and what teams look for instead

Both stories point to the same core needs, and they're probably familiar if you're weighing your options.

Move beyond manual expense management

The finance teams at UpEquity and FirstBlood didn't switch because Divvy was broken. They switched because the manual work of tracking receipts, coding transactions, and reconciling across multiple tools had become unsustainable as they scaled.

When your expense management, corporate cards, and accounting automation all live in one platform, that manual work disappears. Your team gets time back for work that actually moves the business forward.

Try an interactive demo to see how Ramp works, or read more customer stories from teams who've made the switch.