Business capital is tight: free up cash by paying bills with your credit card

In this 4-minute read:

  • Womply Bills lets you pay anyone using a credit card
  • Free up business cash and improve cash flow
  • Save time and effort by consolidating all expenses on one card
  • Rack up points, miles, rewards, and cashback

Accessing capital is difficult for small businesses right now. The economic impact of the COVID-19 pandemic has left millions of American businesses on shaky and uncertain ground, and lenders are wary of giving loans or other capital offers when the future of the business is more uncertain than ever.

If you’re having a hard time getting financing, small business loans, or even hard-money loans, you can improve your business’s cash flow by “getting lean” with expenses, by streamlining as many processes as possible, and by paying your business expenses using a single credit card.

You might be thinking, “Lots of my business expenses can’t be paid with a credit card,” and under traditional circumstances, you’d be right. Most businesses still pay at least half of their business bills with a paper check. The reasons are varied, but business owners are still forced to deal with the hassle, time loss, and expense of paying a good portion of their expenses by check.

Pay business expenses with your credit card and keep cash on hand. With Womply Bills, you can use your credit card to pay any business, even where cards are not accepted. Try it for free!

However, a new service lets you pay all your business expenses with your credit card, so you can rack up points and rewards, save time and money on bookkeeping, and free up cash flow. Let’s go over how Womply Bills can change the way you pay your business expenses.

Womply Bills lets you to pay nearly any business expense using your credit card

Womply, a local commerce platform dedicated to helping small businesses thrive in a digital world, has created Womply Bills to help solve a key problem for struggling American businesses.

Womply Bills lets you use any U.S. based credit card to pay nearly anyone in the country with an address and a valid phone number or email. Even if they don’t accept credit cards, you can still pay them with your credit card. How? You simply input their info using the Womply Bills app, and Bills will mail them a check that typically arrives within 7 business days (often sooner). 

That means you can use Bills to pay your custodian, plumber, groundskeeper, business attorney, your suppliers and vendors, your business insurance, your accountant, your rent, and even your taxes!

How do I pay someone with a credit card via Womply Bills?

Once you sign up with Womply Bills, it’s a simple 3-step process:

  1. Make a payment: Add your credit card and tell us who, when, and how much to pay
  2. Womply charges your card: We add a nominal 3% fee on top of your payment, which is fully disclosed in the total before you pay
  3. Womply sends a check to your selected recipient: We track your payment end-to-end

How does using Womply Bills to pay business expenses free up cash?

One of the key issues small businesses are facing—now more than ever—is cash flow problems. Many businesses have been forced to use cash-advance services with crazy-high interest rates and fees in order to cover business expenses.

With Womply Bills, you can pay any business expenses with a credit card to preserve your cash on hand for unforeseen emergencies and only pay a nominal 3% fee, which can be offset with cashback rewards from using nearly any popular business credit card (see more below).

You also can choose when to send your payments and schedule Bills well in advance, to further free up cash.

In addition, you save time (and money) doing the bookkeeping for your business because if all your expenses are paid with one card, it’s easier to budget and account for business expenses. 

With Bills, you can count the money as “spent” when you choose, rather than wait for the recipient to cash a check (which can be days, weeks, or sometimes even months down the road). With Bills, you schedule a credit card payment any time that’s convenient for you, and your card will be charged 3 days before the send date. 

Womply Bills lets you rack up credit card rewards, points, and cash back

Lots of business credit cards have lucrative cashback and/or rewards perks, and the more business expenses you can charge, the more cashback or rewards you rack up. Since Bills allows you to use your credit card to pay pretty much anyone, you can really see these rewards add up.

In some cases these rewards can actually pay for the service fee!

Womply Bills payment requests are reviewed for validity before they are sent

And don’t worry about accidentally sending a payment to the wrong person.  Prior to Womply Bills charging your card, your request is reviewed to make sure it’s valid. If your payment request fails, your credit card will not be charged. We’ll provide you with an error message letting you know what happened.

Womply Bills saves your business time and improves your cash flow

Once you start paying all your business expenses with your credit card, you’ll wonder why anyone still uses checks at all. You’ll save time, improve cash flow, simplify your accounting, and earn extra credit card perks and rewards. You can even try Womply Bills for free!

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