AI reads your bills, and you only pay for what you use
Complete business financial operations.
All-in-one platform for invoicing, payables, expense management, collections and payouts. Bills read themselves, payments match themselves. Built for Nigerian businesses to grow faster.
- Bills read from email
- Collections and settlement
- Approvals before payment
- VAT records as you go
Collected this month
₦ 4,812,350.00
Outstanding invoices
₦ 1,206,400.00
Bills to approve
3 waiting
Recent invoices
- Paid₦ 312,000.00
Adaeze Foods
INV-0042
- Sent₦ 48,500.00
Kemi Stores Ltd
INV-0041
- Overdue₦ 120,000.00
Tunde & Co
INV-0040
The platform
Six things Billif does, end to end.
Not a feature list. Six jobs that together cover the funds coming in, the funds going out, and knowing where you stand while it happens.
Get paid
Invoicing
Invoices go out as a Word template and a PDF, payment arrives days later by transfer, and matching the two is somebody's evening job.
- Branded invoices with online pay-links
- Recurring invoices
- Credit notes
INV-0043
Harcourt Logistics
- Haulage, Lagos to Port Harcourt₦ 450,000.00
- Loading and offloading₦ 60,000.00
- VAT 7.5%₦ 38,250.00
Card or bank transfer · due in 14 days
Get paid
Collections and settlement
Payments land in the business account with a reference nobody recognises, so reconciliation becomes archaeology.
- A funding account for collections and payouts
- Payments collected against invoices
- Add funds and send payouts to any bank account, each at a flat ₦ 100.00
Adigun Trading · funding account
Example9912 450 318
Settles to your bank the next business day
Transfer received
Matched to INV-0042
Transfer received
Matched to INV-0039
Pay out
Payables
Vendor invoices sit in an inbox until someone chases, then get paid in a rush with no record of who approved what.
- Forward a bill to your Billif mailbox and it is read automatically
- OCR and AI extraction turn the document into a payable
- Vendor bills tracked to a due date
Lagos Gas Supplies
₦ 86,000.00
Due 20 October · VAT ₦ 6,000.00 picked up
Approvals
- Finance manager Approved
- OwnerWaiting
Spend and reimbursement
Staff expenses and claims, with receipts and sign-off
Learn moreProjects and budgets
Set a budget per project and watch it burn down
Learn moreVAT and reporting
VAT records and the numbers behind them
Learn moreAcross everything
AI throughoutApprovalsIntegrationsAI throughout
The document files itself before you open it.
Most finance software gives you somewhere to type. Billif reads the bill, pulls out the vendor, the amount and the due date, and files it as a payable before anyone has touched a keyboard.
Your own Billif mailbox
Every business gets an address. Forward a vendor bill to it, or have suppliers send there directly, and it arrives inside Billif rather than in somebody's inbox.
Invoices read by OCR
The document is read on arrival. Vendor, amount, line items and due date are extracted and become a payable, without anyone retyping it.
Receipts categorised on capture
Staff photograph a receipt and it is categorised automatically, so the expense is coded before it ever reaches an approver.
Ask AI
Ask a question about your own numbers and get an answer from live records, rather than opening a report and working it out yourself.
Adigun Trading Ltd
Ask AI
Who owes me the most?
Three clients account for ₦ 4.2m of your ₦ 6.8m outstanding. Lagos Grill Ltd is the largest at ₦ 1.9m, and 42 days of it is already overdue.
- Lagos Grill Ltd · ₦ 1,900,000.00 · 42 days overdue
- Harcourt Logistics · ₦ 1,450,000.00 · 12 days overdue
- Adeniyi & Partners · ₦ 850,000.00 · due in 6 days
Sample account. Figures are illustrative.
Ask it about your own numbersThe mandate is here. Be ready, not scrambling.
Mandatory NRS e-invoicing is being phased in by business size, with enforcement running from 2026 to 2028.
Paper and Excel will not pass.
Moving to clean digital invoicing now means you are not starting from scratch when your phase begins.
Billif is working towards accreditation as an NRS e-invoicing service provider.
Digital from the start
Invoices are already structured data, so there is no migration scramble later.
Rolling out 2026–27
The phase-in runs by business size. Starting early is the cheap version of complying.
Use cases
Built for how your industry actually bills.
Manufacturing
Raw materials in, invoices out, and a margin you can actually see.
Supplier bills on staggered terms, production runs that each cost something different, and customers who pay sixty days later.
- Payables
- Projects and budgets
- Invoicing
- Collections and settlement
Norfield Industries Ltd
Production run PR-0114 · Budget ₦ 4,800,000.00
| Cost line | Amount |
|---|---|
| Raw materials3 supplier bills | ₦ 2,940,000.00 |
| Haulage2 payables | ₦ 318,000.00 |
| Contract labour1 approval pending | ₦ 465,000.00 |
| Remaining23% of budget | ₦ 1,077,000.00 |
Get started
Start with the part that hurts most.
Create an account and use it today. Credits cover the AI, the documents and the emails. Everything else is unmetered.
Collections and payouts run through a certified payment provider.
Works in your browser today. iOS and Android apps coming soon.
Starts with 50 credits. No card required.