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
Adigun Trading Ltd
Owed to you · Across every client
| Client | Outstanding |
|---|---|
| Lagos Grill Ltd42 days overdue | ₦1,900,000 |
| Harcourt Logistics12 days overdue | ₦1,450,000 |
| Adeniyi & Partnersdue in 6 days | ₦850,000 |
Adigun Trading Ltd
Waiting on you · Bills and claims
| Item | Amount |
|---|---|
| Mile 12 produceread from email | ₦486,000 |
| Cold room repairawaiting approval | ₦85,000 |
| Staff claims6 receipts categorised | ₦47,500 |
The problem
Nothing is missing. It is just late, and nobody can say by how much.
Almost no Nigerian business loses funds dramatically. It loses them in the gap between doing the work and being paid for it, and in the small purchases that were genuinely necessary but never made it into a record anyone can check.
None of it shows up as a loss. It shows up as a month that was tighter than it should have been, a supplier chased twice because nobody knew the first payment went out, and a tax filing rebuilt from bank statements because nothing was captured in a usable shape at the time.
The invoice nobody followed up.
It went out, it was never queried, and it was also never paid. Chasing a client you want to keep is uncomfortable, so it slips, and a week becomes a month.
The payment that matches nothing.
A transfer lands with a reference nobody recognises, for an amount that is not quite any invoice. It sits as a credit until someone has an afternoon to work it out.
The bill that stayed a photograph.
The supplier invoice is an image in a chat thread. Retyping it is the only way it becomes a record, so most of the time it does not become one.
The purchase approved by phone call.
Someone needed it today and someone senior said yes. The payment went out, the work continued, and the approval exists only in two people's memory.
The budget that was already spent.
A department, a site or a project had a number attached to it. By the time anyone compared the number to reality, reality had won.
The filing assembled from scratch.
VAT season means rebuilding the period from statements, because nothing was recorded in a filing-ready form while it was happening.
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.
Explore invoicing- Branded invoices with online pay-links
- Recurring invoices
- Credit notes
- Purchase orders
- A client list and a reusable products and services catalogue
- Partial payments tracked against the balance
- Overdue tracking and automatic reminders
Get paid
Collections and settlement
Payments land in the business account with a reference nobody recognises, so reconciliation becomes archaeology.
Explore collections and settlement- A funding account for collections and payouts
- Payments collected against invoices
- Payouts and transfers to bank accounts
- Full transaction history with fees shown per transaction
- Export of transaction records
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.
Explore payables- 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
- Overdue payables surfaced on the dashboard
- Pay from your Billif wallet, or pay from your own bank and record it against the bill
- Approval routing before payment
- Payment history per vendor
Pay out
Spend and reimbursement
Staff spend first and claim later, receipts arrive as photos days afterwards, and approvals happen in a chat thread.
Explore spend and reimbursement- Expense capture with receipts
- AI reads and categorises the receipt for you
- Employee reimbursement claims
- Reimbursements paid to staff bank accounts
- Pending versus paid claim tracking
Stay in control
Projects and budgets
Budgets live in a spreadsheet that nobody opens until the funds are already spent.
Explore projects and budgets- A budget per project
- Spend against budget, with remaining balance
- Budget usage as a percentage
- Project timelines with start and end dates
- Project status: active, on hold, completed, archived
Stay in control
VAT and reporting
Tax season means rebuilding the year from bank statements, and the numbers never quite agree.
Explore vat and reporting- VAT report
- Revenue versus expenses over time
- Invoice and payable status, including what is overdue
- Dashboard covering revenue, expenses, approvals and claims
- Two-way sync with QuickBooks Online and Zoho Books
- faster payment collection
- 60%faster payment collection
- less manual back-office work
- 80%less manual back-office work
- uptime
- 99.9%uptime
Integrations
Your accountant keeps the tool they already use.
Connect your accounting software and Billif syncs customers, items and invoices across, with a sync history you can check. Nobody has to re-key a month of records at year end.
- Available
QuickBooks Online
Sync customers, items and invoices.
- Available
Zoho Books
Push your records straight into Zoho Books.
- Coming soon
Sage Business Cloud
Connect with Sage accounting software.
- Coming soon
Xero
Connect to Xero accounting.
AI 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 · 42 days overdue
- Harcourt Logistics · ₦1,450,000 · 12 days overdue
- Adeniyi & Partners · ₦850,000 · due in 6 days
Sample account. Figures are illustrative.
Ask it about your own numbersHow it works
From an email to a paid bill, without retyping it.
The same five steps every time, whether it is one bill a week or two hundred.
- 01
It arrives
A supplier emails your Billif address, or a staff member forwards the photo.
- 02
It is read
OCR pulls out the vendor, the amount, the line items and the due date.
- 03
It becomes a payable
A record with a due date, sitting in the queue with everything else owed.
- 04
Someone approves it
Your policy decides who signs off before anything can leave.
- 05
It gets paid
Paid from your Billif wallet, or from your own bank and recorded against the bill, with the VAT captured either way.
The 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.
A school and a haulage company both wait to get paid, but they wait in completely different ways. Start from the one that looks like your week.
Funds move on rails you can check
Collections and payouts run through a certified payment provider, and nothing leaves the business without a record of who approved it.
Processed by a certified payment provider
Card and transfer collections and payouts run through a PCI DSS certified payment provider. Billif never stores raw card data.
Business verification
Accounts go through KYC verification before they can collect or move funds.
Encrypted records
Invoices, receipts and payment records are stored encrypted, with a full audit trail of who approved what.
Approvals before funds move
Payouts require OTP verification, and approval rules apply before a payment can leave the business.
Customers
A word from a customer.
The invoicing and expense management features have saved us countless hours. We've reduced our payment collection time by 60% since switching to Billif.
AgroCourt LtdYour story could go here
We are collecting stories from businesses running on Billif. If that is you, we would like to hear how it changed the work.
Tell us about itGet 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.
Starts with 50 credits. No card required.