Bill.com

Accounts Payable Data That Proves Operational Discipline

Your Bill.com account tells a story that bank statements can't: how you manage vendor relationships, when you pay invoices, how predictable your expenses are, and whether your operations run smoothly. Founderpath uses this accounts payable intelligence to assess business health and provide working capital financing.

Why Bill.com Data Matters for Funding

Traditional lenders look at revenue and credit scores. We look deeper—at the operational signals that show whether a business is well-run:

Payment Discipline

• Do you pay vendors on time, or is AP aging a problem?
• Are payments predictable or erratic?
• How efficient is your invoice-to-payment cycle?

Expense Patterns

• Are expenses stable and predictable, or volatile?
• Is spending aligned with revenue cycles?
• Are there expense categories growing faster than others?

Vendor Relationships

• Are you dependent on a few critical vendors, or diversified?
• Do you have stable, long-term vendor relationships?
• Are there patterns suggesting operational issues?

Cash Flow Predictability

• Can we forecast your cash needs accurately?
• Are there seasonal patterns or one-time spikes?
• How much working capital runway do you need?

What Bill.com Integration Reveals

When you connect Bill.com, we analyze your accounts payable data to build a picture of operational health:

AP Aging Analysis

• Current vs. 30/60/90-day aging buckets
• Trends in payment timing over time
• Comparison to industry benchmarks

Expense Categorization

• Breakdown by vendor type and expense category
• Recurring vs. one-time expense identification
• Expense growth trends and trajectory

Payment Velocity

• Average days payable outstanding (DPO)
• Invoice-to-payment cycle time
• Payment approval workflow efficiency

Vendor Concentration

• Revenue distribution across vendors
• Critical vendor dependency analysis
• Supply chain risk assessment

How Bill.com Integration Works

Step 1: Verify Administrator Access

Go to Settings > Profile in Bill.com and confirm you have Administrator role access.

Step 2: Generate Developer Key

Navigate to Settings > Manage Developer Keys and generate a key. Copy both the Developer Key and Organization ID.

Step 3: Connect to Founderpath

Enter your credentials in the Founderpath dashboard. You can use either token authentication or username/password authentication depending on your Bill.com account permissions.

Step 4: Review Your Expense Analytics

Once connected, you'll see your AP aging, payment patterns, and expense analytics. We'll use this data to generate a funding offer, typically within 24-48 hours.

Who Benefits from Bill.com Integration?

Service Businesses

If your primary expenses are contractor payments, software subscriptions, and operational costs managed through Bill.com, this integration shows us your expense discipline and cash flow needs.

E-commerce & Product Companies

Inventory purchases, fulfillment costs, and supplier payments through Bill.com reveal your supply chain efficiency and working capital requirements.

SaaS Companies with Significant OpEx

Even if you have subscription revenue through Stripe, connecting Bill.com adds context about your expense management and burn rate.

Agencies & Professional Services

Project-based expenses, contractor payments, and client cost management through Bill.com demonstrate operational maturity.

Bill.com + Revenue Data = Complete Picture

Bill.com alone shows the expense side of your business. Combined with revenue data from Stripe, QuickBooks, or bank connections, we see the full financial picture:

• Revenue trajectory (from billing or bank)
• Expense discipline (from Bill.com)
• Net cash flow (from combining both)

This comprehensive view enables better funding decisions and often better terms than relying on a single data source.

Beyond Funding: Expense Intelligence

Even if you're not ready for funding, connecting Bill.com gives you insights into your operational efficiency:

• Payment optimization: Are you taking advantage of early payment discounts?
• Vendor analysis: Which vendors represent concentration risk?
• Expense trends: Where is spending growing, and is it aligned with growth?
• Cash flow forecasting: How predictable are your cash needs?