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Bill Pay Service

Paying bills is an essential part of every startup. Suppliers, vendors, and contractors need to be paid on a regular basis. But while essential, paying bills is time-consuming and, frankly, tedious. It’s certainly not the reason you launched a company. 

And while technology has made the process easier (nobody’s printing paper checks any more), it still has limitations. Someone needs to enter new vendors or contractors, check invoices, correct errors, and authorize payments.

Streamline your bill payment process

Our Bill Pay Service can give you more time to focus on your startup by taking the responsibility of paying bills off your shoulders. We work with your chosen payment solution (like Bill.com, Ramp, Brex, Routable, and Airbase) and set up a customized payment process that follows your workflows and authorization designations. We handle the details and you authorize payments as needed.

Why does your startup need a Bill Pay Service?

Our Bill Pay Service makes it much easier for you to make sure your invoices are paid, and it offers several benefits to you:

  • More time saved for higher-value tasks. Our bill pay solution saves time for you and your employees. For early-stage startups, founders and CEOs don’t need to spend time processing and paying bills. For larger teams, your CFO and accounting staff can focus on more high-value tasks than paying bills, like financial analysis
  • Better organization and records. Transactions need to be coded properly, expenses need to be accrued if necessary, and all payments need to be entered into your general ledger. With our service, your books will be organized and ready for monthly close, your books will be accurate and organized, and good payment records definitely make it easier at tax time. 
  • Fewer errors. Automated systems are great, but they still aren’t perfect. Vendors and invoice information needs to be checked, even if your system scans electronic invoices. We’ll make sure the information is entered correctly, add any necessary information, and issue payments promptly and accurately.
  • Happier vendors. Consistent bill payment processes will improve relations with your vendors. Your vendors won’t need to contact you about payments, and can count on your payments arriving regularly. Solid vendor relationships are important to customer service, cost efficiency, product quality, and your development timeline.

Follow a standardized bill payment workflow

Our Bill Pay Service will establish a standard payment workflow that includes your approvals and that can scale as your startup grows. We work with your payment system, including Bill.com, Ramp, Brex, Airbase, and Routable. Our workflow includes the following stages:

  • Invoice intake. We will supervise collecting your invoices, and manage your invoice inbox. 
  • Invoice processing. All invoices are processed weekly. Each one is reviewed to make sure that any automated data extraction provided by your payment system is correct. If not, we’ll manually enter the necessary information. 
  • Approval. Based on the approval parameters you establish, we will provide you with every bill for review and approval. If you follow a tiered approval system, we’ll route the invoices for approval to the individual(s) you designate. 
  • Invoice payment. Once approval is received for each invoice, we can pay your vendors directly, or you can choose to issue payments yourself. If you elect to have us issue payments, we will process your invoices and issue payments weekly on the day you select. 
  • Reconciliation. We will match each transaction to you bank statement and make sure each is coded and entered correctly on your general ledger. 

Get started with our Bill Payment Service in less than 24 hours

Our process begins with a short questionnaire about the system you currently use, your approval process, the timing of your payments, and other information. Then we’ll develop a bill payment process that meets your startup’s requirements and pays your bills accurately and on time.

For more information, contact us.

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Eight reasons you should outsource your bill payments

If you dread facing a pile of unprocessed invoices every month, you’re in good company. Most startup founders and CEOs don’t enjoy paying bills. And if you’re working with limited resources like most startups, your team may not have the bandwidth to process invoices in addition to all the other financial tasks you need to handle to hit your startup’s milestones. Outsourcing your accounts payable (AP) function could help you focus on your top priority: Building your business. Let’s look at some of the reasons why outsourcing your bill payments may be a good idea:

  1. It’s a largely separate function. Paying bills is probably not as integrated into your business as many other functions like operations, so outsourcing accounts payable is usually pretty easy and efficient.

  2. Paying bills includes a lot of steps. The process varies from business to business, but typically accounts payable steps include capturing invoices, matching purchase orders, processing invoices, obtaining approval, keeping payment records, and financial reporting. That’s a lot of detail and paperwork for your staff (or you)!

  3. Processing invoices costs you time. Your AP workflow probably requires significant time and resources, as you can see from the steps above. If there’s a lot of back-and-forth between departments to verify and approve invoices, the costs mount up quickly. 

  4. You need controls. Duplicate invoices can be a serious problem for a startup, and it can happen easily. A delay in payment could trigger another invoice from a vendor, and without careful controls you could pay twice! Missed or late payments can affect your vendor relationships, and create issues with financial metrics like your burn rate. 

  5. Smooth vendor relationships. You definitely don’t want your vendors to find it difficult to work with your startup. Missed due dates and payments mean vendors will be contacting you to track down their payments, which puts strain on your vendor relationships and further increases the amount of time you’re spending on bills. If the vendor resends an invoice and you accidentally pay it again, that’s affecting your bottom line as well as increasing the time spent.

  6. Outsourcing is less expensive than adding headcount. Hiring people to handle bill payment increases your startup’s overhead, and salaries are probably already one of your largest expenses. Plus, you’ll need to spend time and money recruiting and hiring.

  7. Better accountability. An outsourced bill payment service can provide your accounts payable the attention it needs. Most employees at a startup already wear a lot of hats – this is one role that can be delegated to an outside resource. Your payment vendor will usually provide reporting as well, including things like month- and year-end close and reconciliation.

  8. Fewer errors. With bill payment, things don’t always go perfectly. Automated invoice scans can generate a lot of errors that require review and often, manual corrections. An outsourced provider will handle those details and make sure the invoice payments are accurate and timely. And with an outsourced service, you’ll have an audit trail that you can review if necessary.

So if you’re dealing with a backlog of unprocessed invoices, or spending many hours each month paying bills, outsourcing your accounts payable can save you a lot of administrative headaches and more importantly, time. You, and your employees, can get back to the business of running your startup, without the responsibility of paying bills.

Top bill pay systems for startups

Startups have a range of options for bill payment systems. Bill payment software keeps track of what bills you owe and when they need to be paid, and that’s important to running your business. The best systems automate manual processing, and include things like accounting software integration and invoice scanning. Good bill payment systems should reduce manual data entry, streamline your accounts payable process, and include customized approval workflows to route payments to managers. Here are the providers that most of our clients use. 

Why startups should use Bill.com

There are three main reasons why startups should use Bill.com:

  1. The IRS requires you to retain at least three years of all bills you’ve paid, and Bill.com does that.
  2. Bill.com generates a solid audit trail, and you don’t get that from paper checks or other online bill pay methods.
  3. Using Bill.com means you’ll spend less money on accounting.

Ramp’s built-in bill pay financing

Ramp’s bill pay feature has added a financing option, which could be very useful for for bootstrapped or struggling startups. Businesses using Ramp bill pay can get credit for a reasonable interest rate that may be better than what they’re getting from other credit options. You’ll need to compare the financing rates of different credit options to see which one offers the best deal, but Ramp is one you may want to consider. 

Ramp now offers international payments

Startups that use Ramp to make payments can now take advantage of Ramp’s international payment service. One of the features is that for many countries, you can actually issue payment in that country’s currency. So vendors and contractors don’t have to convert currency or get charged additional fees for foreign currency.

Routable helps companies pay bills worldwide

Omri Mor, Co-founder and CEO of Routable, explains how the company’s platform sends B2B payments worldwide. Routable focuses on helping businesses scale their payment solutions, the company developed its platform for sending B2B payments worldwide, helping businesses automate their accounts payable processes from vendor onboarding to final payment.

Airbase offers cashback program

Airbase, one of the leaders in the startup world for expense management tools, has established a cashback program on card purchases by Airbase clients. This is in addition to their very robust expense management software, and it’s very helpful to early-stage startups that are extremely price sensitive. 

Brex offers integrated financial services to startups

Brex offers startups a sophisticated financial stack that includes things like expense management, bill pay, cash management options for funds, and business credit cards. The online interface lets founders and CEOs view all finances in one place, and Brex integrates with accounting and payroll systems.

Want to learn more about our services?

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Client testimonials

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We're huge fans of Vanessa and the folks at Kruze Consulting. They set up our books, finances, and other operations, and are constantly organized and on top of things. As a startup, you have to focus on your product and customers, and Kruze takes care of everything else (which is a massive sigh of relief). I highly highly highly recommend working with Vanessa and her team.

Vivek Sodera

Vivek Sodera

Co-Founder @ Superhuman

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Prior to Kruze, as a remote-first team, we were weighed down by a lot of the bureaucracy involved with having a distributed workforce. Kruze has supported us above and beyond basic accounting needs by ensuring we have everything we need to expand and support our team wherever they may be located

Zack Fisch

Zack Fisch

Pequity's Head of Operations & Legal

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Avochato has been growing rapidly in the past year – in fact, too quickly for us to keep up with books, taxes, and budgeting for growth. Partnering with Kruze Consulting has been fantastic to manage, track, and analyze our finances while we continue focusing on building our customer base. Kruze’s team knows what startups need.

Alex De Simone

Alex De Simone

CEO @ Avochato

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Everybody, go to Kruze Consulting. They do a great job. I personally can tell you, they've done a great job for our companies, including Calm.com. I'm sure they’ll do a great job for you.

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Jason Calacanis

Angel investor

About Us

A CPA Firm Specialized in Startup Accounting & Finance

A CPA Firm Specialized in Startup Accounting & Finance

Startups are our niche, and our passion. Our clients have raised over $15 billion in VC funding. We are one of only a few outsourced accounting firms that specialize in funded early-stage companies - we only offer financial and tax services to fast growing startups in the Pre-Seed, Seed, Series A, Series B and Series C stages.

The Right Accounting Partner for Your Startup’s Next Round

The Right Accounting Partner for Your Startup’s Next Round

We know how to de-risk your startup’s next venture capital round. Our team makes sure you are ready to fly through your next VC’s accounting, HR and tax due diligence. And when you use us as your bookkeeper, we set up and keep up-to-date a due diligence folder so you can get that next round of fundraising.

A Leader in Cloud Accounting Software

A Leader in Cloud Accounting Software

Our practice is built on best of breed cloud accounting software like QuickBooks, Netsuite, Gusto, Rippling, Taxbit, Avalara, Brex, Ramp and Deel. Technology makes us more efficient, saving our clients money and letting us offer higher value services like FP&A modeling, 409A valuation, and treasury advice. Startups deserve to work with CPAs using modern software.

Trusted by Top Venture Investors

Trusted by Top Venture Investors

Top angel investors and VCs refer Kruze because they trust us to give the right advice. Our clients are portfolio companies of top technology and Silicon Valley investors, including Y-Combinator, Kleiner, Sequoia, Khsola, Launch, Techstars and more. With us, your books and taxes are in order when it’s time to raise another round of venture financing.

What types of startups does Kruze Consulting usually work with?

What types of startups does Kruze Consulting usually work with?

Kruze Consulting works with funded Delaware C-Corps. Our clients have secured Pre-Seed to Series C or Series D funding. We look to partner with our clients, going beyond the typical outsourced accounting relationship and seeking to provide a higher level advisory role. We feel honored to be a part of making the world a better place, even if it’s one debit and credit at a time.

Accounting, Finance, Taxes, & Payroll all in one solution

Accounting, Finance, Taxes, & Payroll all in one solution

Startup CFO services, startup accounting and bookkeeping services, startup annual taxes, expense reports, payroll, state sales taxes: we've got you covered. Our software provides custom tailored dashboards that can be provided weekly or monthly, depending on your preference and plan. Founders are often so busy building their company that they don’t have time to take care of their finances. Traditionally, these companies have had to work with a basket of people to get their work done, including bookkeepers, accountants, AP clerks, CFOs, consultants, and tax accountants. At Kruze Consulting, our founders have one point person, saving time and money.


We are the experts at helping seed/VC-backed Delaware C-Corps with their accounting and finances!

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Randy Hall
Viz AI

$250M+ VC Funding Raised

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Startup Venture Capital Assistance

With former venture capitalists on staff, our team is here to help you navigate the fundraising process and manage your board of directors

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COO | Former VC
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Scale Remote Operations & Team

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Head of Operations & Legal

Clients who have worked with Kruze have collectively raised over $15 billion in VC funding.

We set startups up for fundrising success, and know how to work with the top VCs.

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Our account management team is staffed by CPAs and accountants who have, on average, 11 years of experience.

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Controller, CPA
Protara Therapeutics

Grew from a 2-person startup to a NASDAQ listed public company.

"The Kruze team helped us grow from a 2-person startup to a NASDAQ listed public company in 2 years. We wouldn’t have gotten public without Kruze’s support. Anyone thinking of launching a startup should make Vanessa their first call!"
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