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1CRM vs Divvy (BILL Spend and Expense): 2026 Comparison

1CRM Divvy (BILL Spend and Expense)
Overview An all-in-one CRM offering sales, marketing, and order management with self-hosted and cloud deployment options. A free expense management and corporate card platform now part of BILL with real-time budgeting and automated reporting.
Pricing Subscription ($13-$35/user/month) Free (Free (revenue from interchange))
Key Features
  • Contact management
  • Order management
  • Project management
  • Service management
  • Marketing
  • Reporting
  • Invoicing
  • Inventory
  • Corporate cards
  • Real-time budgets
  • Expense management
  • Automated reporting
  • Receipt capture
  • Approval workflows
  • Virtual cards
  • Accounting sync
Pros
  • Affordable
  • Self-hosted option
  • All-in-one solution
  • Good for product businesses
  • Completely free
  • Real-time budgeting
  • Good approval workflows
  • Virtual cards
Cons
  • Dated interface
  • Smaller community
  • Limited integrations
  • Documentation could improve
  • BILL acquisition changes
  • Limited card rewards
  • Requires credit approval
  • US only

1CRM

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Divvy (BILL Spend and Expense)

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