Payments solution company Bill has introduced a new suite of artificial intelligence agents aimed at automating financial workflows for small and medium-sized businesses.

“The Fortune 5 Million deserve the same power and precision as the Fortune 500,” said Bill founder and CEO Renee Lacerte. “Bill AI removes friction from the back office by deleting the workflows that bury businesses.” 

The agents are trained entirely within Bill’s secure unified platform, using proprietary data drawn from over $1 trillion in transactions and a billion documents across 500,000 businesses and 9,000 accounting firms. This scale, according to the company, allows its AI to learn from real financial behavior rather than relying on synthetic or brokered data. 

According to Accounting Today, the W-9 Agent, expected to launch by Thanksgiving, uses AI to automate tax compliance by requesting and pre-validating vendor W-9s, eliminating over 80% of the manual steps traditionally involved. The Reconciliation Agent, meanwhile, automatically codes transactions so receipts reconcile themselves, providing full visibility into business expenses.

Bill also announced an onboarding agent for its Spend and Expense solution that tailors virtual card creation and permissions to each business, along with an agentic AI assistant capable of answering questions, making recommendations, and completing tasks. 

The company described its vision as one of “autonomous finance,” where operations run seamlessly, reconciling, onboarding, and processing payments, while keeping people in control. Future releases will include agents for touchless travel, email, and AP coding.