E
EloopeExpense management for growing teams. Submit, approve, and reimburse in minutes.
setup Time10 minutes
pricingFrom $1.99/user/mo
best ForTeams of 1–500
usersUnlimited
D
Divvy (BILL Spend & Expense)Divvy, now part of BILL as Spend & Expense, is a budgeting-first platform that combines virtual corporate cards with expense management and pre-approved spending controls.
setup TimeDays (card issuance)
pricingFree (corporate card required)
best ForBudget-conscious mid-market
usersUnlimited
Feature comparison
Side-by-side breakdown of Eloope vs Divvy (BILL Spend & Expense).
Eloope
Divvy (BILL Spend & Expense)
Expense Submission
Mobile expense submission
Receipt photo upload
Submit in under 30 seconds
Multi-currency support
Limited
Works without corporate card
AI agent automation (Luna)
Approval & Policy
Multi-level approval workflows
Real-time policy checks (before submit)
Budget-level
Pre-approved budgets per team
Approval delegation
Virtual card controls
Reporting & Analytics
Spending dashboards
Budget vs actual tracking
Custom reports
CSV / Excel / PDF export
Integrations
QuickBooks sync
Xero sync
Slack
Google Drive
Corporate card issuance
Pricing & Setup
Starting price
$1.99/user/mo
Free (card required)
Setup time
10 minutes
Days
No corporate card required
14-day free trial
N/A (free with card)
Reimbursement workflows
Limited
Support & Security
Human support
Complete audit trail
Role-based access controls
SSO/SAML
Enterprise
Enterprise
Where each tool shines
Eloope strengths
- Full expense lifecycle — submit, approve, reimburse — without card lock-in
- AI-native automation with Luna agent for hands-off processing
- 10-minute setup, no card issuance delay
- Works with personal cards, mixed payment methods, and cash
- Stronger reimbursement workflows for out-of-pocket expenses
- Human support on every plan
Divvy (BILL Spend & Expense) strengths
- Free expense management with Divvy corporate card
- Budget-first approach with pre-approved spending limits
- Virtual card issuance for vendor-specific controls
- Part of BILL platform with AP/AR capabilities
- Real-time budget enforcement at point of purchase
The verdict
Divvy (BILL Spend & Expense) is a budgeting-first card platform. Eloope is purpose-built for the complete expense lifecycle — from receipt to reimbursement — using any payment method. If your team doesn't use corporate cards or needs strong reimbursement workflows, Eloope is the better fit.
EChoose Eloope if...
- You need expense management without a corporate card
- Your team uses personal cards or mixed payment methods
- You want AI-powered automation for the full expense lifecycle
- You need strong reimbursement workflows for out-of-pocket expenses
- You want to be live in 10 minutes, not days
DChoose Divvy (BILL Spend & Expense) if...
- You want budget controls enforced at point of purchase via cards
- You need virtual card issuance for vendor-specific spending
- You want free expense management bundled with a corporate card
- You need AP/AR features in the same platform (BILL)