Index › Finance › Spend and procurement › Spend management platfor › Small business · November 2026 Edition
Spend management platforms for small business buyers
Asked as “spend management platform”, and as “all-in-one spend control software”, on behalf of a small B2B company. 55 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
55%
Clear leader
55Ramp24BILL Spend & Expense15Zoho Expense07others
55% of first choices, clear leader.
Since October 2026▼−3Since October 2026: 58% → 55%, −3 points. Inside the 10-point floor: within noise.Ramp held the lead, −3 points on 58%, inside the 10-point floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Ramp55%Clear leader▼−3Since October 2026: 58% → 55%, −3 points. Inside the 10-point floor: within noise.This pageMid-marketRamp45%Clear leader▲+1Since October 2026: 44% → 45%, +1 point. Inside the 10-point floor: within noise.Standing →Enterprise
Coupa60%Clear leader▲+4Since October 2026: 56% → 60%, +4 points. Inside the 10-point floor: within noise.Standing →
Ramp55%Clear leader▼−3Since October 2026: 58% → 55%, −3 points. Inside the 10-point floor: within noise.This pageMid-marketRamp45%Clear leader▲+1Since October 2026: 44% → 45%, +1 point. Inside the 10-point floor: within noise.Standing →EnterpriseCoupa60%Clear leader▲+4Since October 2026: 56% → 60%, +4 points. Inside the 10-point floor: within noise.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a small B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Ramp55%9%74endorsed leader▼−3Since October 2026: 58% → 55%, −3 points. Inside the 10-point floor: within noise.58% → 55%
Ramp55%9%74endorsed leader▼−3Since October 2026: 58% → 55%, −3 points. Inside the 10-point floor: within noise.58% → 55%02
BILL Spend & Expense24%15%74accepted challenger▼−7Since October 2026: 31% → 24%, −7 points. Inside the 10-point floor: within noise.31% → 24%
BILL Spend & Expense24%15%74accepted challenger▼−7Since October 2026: 31% → 24%, −7 points. Inside the 10-point floor: within noise.31% → 24%03
Zoho Expense15%8%24accepted challenger▲+13Since October 2026: 2% → 15%, +13 points. Past the 10-point floor: movement.2% → 15%
Zoho Expense15%8%24accepted challenger▲+13Since October 2026: 2% → 15%, +13 points. Past the 10-point floor: movement.2% → 15%04
Brex2%24%49accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Brex2%24%49accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%05
Spendesk2%18%28accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
Spendesk2%18%28accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%06
Pleo2%0%12accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Pleo2%0%12accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%Show the eight products at 0%, ordered by negative rate
13Coupa0%92%13criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Coupa0%92%13criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%14
SAP Concur0%82%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
SAP Concur0%82%17criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%08
Expensify0%20%40accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Expensify0%20%40accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%09
Procurify0%11%19accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Procurify0%11%19accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%12
Rippling Finance0%10%10accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%
Rippling Finance0%10%10accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%10
Airbase0%7%15accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Airbase0%7%15accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%07
Precoro0%4%25accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Precoro0%4%25accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%11
Airwallex0%0%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Airwallex0%0%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
For buyers
Head to headHead-to-head pages are published for mid-market buyers, so these open on mid-market figures, not small business.
All twenty-eight head-to-head pages: the top eight products, each against each
Ramp vs BrexRamp vs SpendeskRamp vs Zoho ExpenseRamp vs ExpensifyBILL Spend & Expense vs AirbaseBILL Spend & Expense vs ProcurifyBILL Spend & Expense vs BrexBILL Spend & Expense vs SpendeskBILL Spend & Expense vs Zoho ExpenseBILL Spend & Expense vs ExpensifyAirbase vs ProcurifyAirbase vs BrexAirbase vs SpendeskAirbase vs Zoho ExpenseAirbase vs ExpensifyProcurify vs BrexProcurify vs SpendeskProcurify vs Zoho ExpenseProcurify vs ExpensifyBrex vs SpendeskBrex vs Zoho ExpenseBrex vs ExpensifySpendesk vs Zoho ExpenseSpendesk vs ExpensifyZoho Expense vs Expensify
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
0102030405060708091011121314Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative70%
Key
01Ramp55%
Ramp55%02BILL Spend & Expense24%
BILL Spend & Expense24%03Zoho Expense15%
Zoho Expense15%04Brex2%
Brex2%05Spendesk2%
Spendesk2%06Pleo2%
Pleo2%07Precoro0%
Precoro0%08Expensify0%
Expensify0%09Procurify0%
Procurify0%10Airbase0%
Airbase0%11Airwallex0%
Airwallex0%12Rippling Finance0%
Rippling Finance0%13Coupa0%
Coupa0%14SAP Concur0%
SAP Concur0%What they warned about
Seven of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Perplexity Sonar, DeepSeek V4 Flash, Qwen 3.7 Flash, MiniMax M2.5 and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
SAP Concur82%
14 of 17 labels negative · 10 of 14 models · 8 hard negative
“Why to avoid: Concur is a legacy enterprise tool built for global corporations... notoriously clunky, expensive, and difficult to set up.” Gemini 3.5 Flash, negative prompt
BILL Spend & Expense15%
11 of 74 labels negative · 10 of 14 models · 4 hard negative
“small businesses should be cautious about or avoid the following spend management platforms... Users frequently report integration issues” Mistral Small, negative prompt
Brex24%
12 of 49 labels negative · 10 of 14 models · 2 hard negative
“Brex targets venture-backed startups and walked away from the small business market entirely in 2022, making it less suitable for bootstrapped small businesses.” Claude Haiku 4.5, negative prompt
Coupa92%
12 of 13 labels negative · 7 of 14 models · 6 hard negative
“Enterprise-overkill solutions like Coupa (noted for being "clunky, insipid, and thoroughly confusing")” Kimi K2, negative prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
76 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 780 links across 157 sites, every framing counted. Ranked by the number of answers carrying the site or page. 21 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
43 answers · 49 citations · 10 models
vendor site · G238 answers · 61 citations · 13 models
vendor site · BILL36 answers · 64 citations · 12 models
vendor site · Capterra29 answers · 51 citations · 10 models
26 answers · 26 citations · 9 models
23 answers · 31 citations · 8 models
vendor site · Zylo23 answers · 23 citations · 10 models
vendor site · Ramp22 answers · 35 citations · 10 models
vendor site · Spendesk15 answers · 19 citations · 9 models
vendor site · Expensify14 answers · 14 citations · 9 models
13 answers · 15 citations · 6 models
publisher (Gane)13 answers · 13 citations · 8 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
42 answers · 10 models
27 answers · 11 models
25 answers · 9 models
24 answers · 10 models
23 answers · 10 models
14 answers · 8 models
13 answers · 8 models
12 answers · 7 models
12 answers · 7 models
12 answers · 8 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best spend management platform”, “spend management platform”, “spend management platforms”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Ramp ramp.com | 55% | 916 | 246,000 | 49,733 | 770,056 | $13,511 | 120 | 3 |
| BILL bill.com BILL Spend & Expense 24% | 24% | 331 | 2,740,000 | 1,063,001 | 1,783,039 company | $199,231 | 119 | 7 |
| Zoho parent site Zoho Expense 15% | 15% | 194 | 5,400 | 52 | ||||
| Brex brex.com | 2% | 524 | 60,500 | 1,190 | 328,914 | $12,238 | 81 | 1 |
| Spendesk spendesk.com | 2% | 98 | 1,000 | 22 | 24,610 | 2 | ||
| Pleo pleo.io | 2% | 53 | 2,400 | 162 | 3,593 | 0 | ||
| Rippling rippling.com Rippling Spend 2%, Rippling Finance 0% | 2% | 124 | 301,000 | 17,886 | 712,399 company | $42,013 | 115 | |
| Precoro precoro.com | 0% | 341 | 1,000 | 3 | 82,966 | 86 | ||
| Expensify expensify.com | 0% | 246 | 74,000 | 932 | 76,291 | 0 | 1 | |
| Procurify procurify.com | 0% | 278 | 4,400 | 43 | 62,225 | $282 | 14 |
Google's top ten for the three searches hold 14 sites; 4 of them are among the sites the models cited here (bill.com, g2.com, ramp.com, spendesk.com). The first result for “best spend management platform” is gartner.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best spend management platform for a small B2B company?”Paraphrase“Which all-in-one spend control software would you recommend to a small business that sells to other businesses?”Comparative“What are the top spend management platforms for a small team and how do they differ?”Budget-constrained“What is the best spend management platform for a small company with a tight budget?”Scale-constrained“We are a 30 person company evaluating a spend management platform. What should we look at?”Negative“Which spend management platforms should a small business avoid or be cautious about?”
Claude Haiku 4.5no first choiceBILL Spend & ExpenseChangedBILL Spend & Expenseagainst: Zoho ExpenseBILL Spend & Expenseno first choiceagainst: Brex, Ramp
Two alternatives
Brex, RampThree alternatives
Airbase, Expensify, PleoThree alternatives
Expensify, Ramp, Zoho ExpenseGPT-5.4 miniBILL Spend & ExpenseBILL Spend & Expense, RampChangedagainst: ExpensifyBILL Spend & Expense, Rampagainst: Navan, Payhawk, Procurify, SAP ConcurBILL Spend & Expense, Zoho Expenseno first choiceagainst: BILL Spend & Expense, ProSpend
Two alternatives
Brex, RampTwo alternatives
Airbase, BrexFour alternatives
Brex, Expensify, Rippling Finance, Zoho ExpenseGemini 3.5 FlashRampRampHeldRampBILL Spend & ExpenseBrex, Rampagainst: Expensify, SAP Concuragainst: BILL Spend & Expense, Brex, Coupa, Expensify, SAP Concur
Three alternatives
Airbase, BILL Spend & Expense, BrexThree alternatives
BILL Spend & Expense, Brex, RhoFive alternatives
BILL Spend & Expense, Brex, Expensify, Pleo, SpendeskThree alternatives
Brex, Ramp, Zoho ExpenseTwo alternatives
Airbase, NavanPerplexity SonarRampagainst: ExpensifyBILL Spend & ExpenseChangedBILL Spend & ExpenseZoho Expenseno first choiceagainst: BILL Spend & Expense, Brex, Coupa, Procurify, Ramp, SAP Ariba, SAP Concur, Spendesk
Six alternatives
BILL Spend & Expense, Brex, Pleo, Precoro, Procurify, SpendeskFive alternatives
Expensify, Precoro, Procurify, Ramp, SpendeskSeven alternatives
Brex, Expensify, Navan, Pleo, Ramp, Spendesk, Zoho ExpenseFour alternatives
BILL Spend & Expense, Expensify, Precoro, RampGrok 4.20RampRampHeldagainst: BrexRampagainst: Coupa, Ivalua, SAP AribaZoho Expenseagainst: Coupa, SAP ConcurRampagainst: BILL Spend & Expense, Brex, Expensify, Melio
Six alternatives
Airwallex, BILL Spend & Expense, Precoro, Procurify, Rippling Finance, SpendeskTwo alternatives
BILL Spend & Expense, Rippling FinanceFour alternatives
Brex, Precoro, Procurify, SpendeskFour alternatives
BILL Spend & Expense, ExpensePoint, Ramp, Rippling SpendThree alternatives
BILL Spend & Expense, Brex, Rippling SpendMistral SmallRampRampHeldRampZoho Expenseno first choiceagainst: BILL Spend & Expense, Rippling Finance, Zoho Expense
Three alternatives
BILL Spend & Expense, Brex, PrecoroThree alternatives
BILL Spend & Expense, Expensify, PrecoroFive alternatives
Airwallex, ExpensePoint, Precoro, Spendesk, Team ProcureThree alternatives
BILL Spend & Expense, Expensify, RampDeepSeek V4 FlashBILL Spend & Expense, RampRampChangedagainst: BrexBILL Spend & Expense, Rampagainst: EmburseRampBILL Spend & Expense, Rampagainst: BILL Spend & Expense, Expensify, Intuit QuickBooks, Ramp, SAP Concur, Spendesk
One alternative
BrexOne alternative
BILL Spend & ExpenseThree alternatives
Airwallex, Brex, SpendeskOne alternative
Zoho ExpenseThree alternatives
Brex, Expensify, PleoLlama 4 MaverickRampRampHeldPrecoroZoho Expenseno first choiceagainst: BILL Spend & Expense, Brex, Ramp
Two alternatives
Precoro, ProcurifyFour alternatives
BILL Spend & Expense, Expensify, Precoro, Rippling FinanceFive alternatives
Airbase, BILL Spend & Expense, Expensify, Procurify, RampThree alternatives
BILL Spend & Expense, Precoro, RampQwen 3.7 FlashRampBILL Spend & ExpenseChangedBILL Spend & Expense, Rampagainst: CoupaRippling Spendagainst: Navan, SAP ConcurPleoagainst: Ariba, Coupaagainst: Coupa, SAP Concur
Four alternatives
BILL Spend & Expense, Brex, Precoro, SpendeskOne alternative
RampThree alternatives
Precoro, Spendesk, Team ProcureThree alternatives
Envoice, FreshBooks, RampFive alternatives
BILL Spend & Expense, Brex, Expensify, Navan, RampKimi K2BILL Spend & Expense, RampBILL Spend & Expense, RampHeldagainst: BrexBILL Spend & Expense, RampRamp, Zoho ExpenseRampagainst: Coupa, SAP Concuragainst: Brex, Coupa, Mercury, SAP Concur
Four alternatives
Brex, Expensify, Precoro, ProcurifyFive alternatives
Airwallex, Brex, Pleo, Spendesk, Zoho ExpenseTwo alternatives
Expensify, Rippling SpendFour alternatives
BILL Spend & Expense, Brex, Payhawk, PleoGLM 4.7 FlashXRampRampHeldBrex, RampZoho Expenseno first choiceagainst: Coupa, SAP Concuragainst: Coupa, Ivalua, Navan, Ramp, SAP Concur, Spendesk
Four alternatives
BILL Spend & Expense, Expensify, Precoro, ProcurifyFive alternatives
Airbase, BILL Spend & Expense, Pleo, Precoro, SpendeskFour alternatives
Airwallex, Expensify, Spendesk, Zoho ExpenseFour alternatives
BILL Spend & Expense, Expensify, Ramp, Rippling SpendMiniMax M2.5RampSpendeskChangedagainst: AirbaseAirwallex, RampRampno first choiceagainst: BILL Spend & Expense, Brex, Expensify, SAP Concur
Four alternatives
BILL Spend & Expense, Brex, Rippling Spend, SpendeskOne alternative
BILL Spend & ExpenseThree alternatives
Precoro, Procurify, SpendeskTwo alternatives
PEX, Zoho ExpenseGPT-6 LunaRampRampHeldRampRampno first choiceagainst: BILL Spend & Expense, Brex, Ramp, SAP Concur
Two alternatives
BILL Spend & Expense, BrexOne alternative
BILL Spend & ExpenseFour alternatives
BILL Spend & Expense, Brex, Expensify, Zoho ExpenseOne alternative
BILL Spend & ExpenseTwo alternatives
BILL Spend & Expense, RampMuse Glimmer 30BBILL Spend & Expense, RampRampChangedBILL Spend & Expense, Rampagainst: SpendeskZoho Expenseagainst: Coupa, Precorono first choiceagainst: BILL Spend & Expense, Brex, Expensify, Ramp, Spendesk
Three alternatives
Brex, Precoro, ProcurifyFive alternatives
BILL Spend & Expense, Pleo, Precoro, Procurify, SpendeskThree alternatives
Airbase, Brex, PleoThree alternatives
BILL Spend & Expense, Expensify, RampBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:35 | no | 0 | 4 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:20 | yes | 2 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:06 | yes | 10 | 21 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:53 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 5 | 24 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:46 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:22 | yes | 20 | 19 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:28 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:41 | yes | 15 | 45 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:05 | yes | 5 | 36 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:19 | yes | 15 | 19 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:47 | yes | 10 | 21 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:48 | yes | 4 | 13 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:34 | yes | 11 | 19 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:41 | yes | 18 | 8 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:49 | yes | 5 | 5 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:32 | yes | 7 | 24 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 11:34 | yes | 10 | 3 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:29 | yes | 5 | 23 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:35 | yes | 5 | 4 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:19 | yes | 22 | 20 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:29 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:47 | no | 0 | 28 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:17 | yes | 15 | 25 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 08:39 | yes | 10 | 38 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:54 | no | 0 | 90 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:22 | yes | 3 | 17 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:52 | yes | 12 | 19 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:26 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:45 | yes | 3 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:20 | yes | 13 | 24 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 12:06 | yes | 10 | 5 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:15 | yes | 9 | 42 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:08 | yes | 5 | 5 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:40 | yes | 22 | 24 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:32 | yes | 5 | 3 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:51 | yes | 5 | 28 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:59 | yes | 10 | 61 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:47 | yes | 15 | 136 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:08 | yes | 5 | 15 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:05 | yes | 5 | 22 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:39 | yes | 23 | 46 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 09:52 | yes | 10 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:58 | yes | 2 | 4 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 10:50 | yes | 8 | 17 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 10:16 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:28 | yes | 5 | 26 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 11:25 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:42 | yes | 22 | 16 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 08:38 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:11 | yes | 5 | 28 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:14 | yes | 15 | 37 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:33 | yes | 8 | 70 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 11:43 | yes | 14 | 36 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:44 | yes | 2 | 12 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:58 | yes | 14 | 15 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:34 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:56 | no | 0 | 4 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:36 | no | 0 | 15 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 11:10 | yes | 10 | 7 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:28 | yes | 10 | 30 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:46 | no | 0 | 7 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 08:52 | yes | 19 | 22 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:32 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:37 | yes | 5 | 21 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:23 | yes | 15 | 26 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 12:34 | yes | 13 | 22 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:29 | no | 0 | 85 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:24 | yes | 3 | 15 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:54 | yes | 14 | 23 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:02 | yes | 18 | 10 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:16 | yes | 3 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:47 | yes | 9 | 20 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 10:18 | yes | 10 | 4 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:29 | yes | 9 | 31 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:14 | yes | 5 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 10:49 | yes | 24 | 40 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 12:28 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 12:39 | yes | 15 | 38 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 11:42 | yes | 25 | 23 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:01 | yes | 23 | 65 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:20 | yes | 25 | 52 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:42 | yes | 4 | 20 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 09:20 | yes | 13 | 25 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
BILL read as BILL Spend & Expense
BILL (BILL Spend & Expense) read as BILL Spend & Expense
BILL (formerly Bill.com) read as BILL Spend & Expense
BILL.com read as BILL Spend & Expense
Bill read as BILL Spend & Expense
Bill.com read as BILL Spend & Expense
Bill.com (or Bill) read as BILL Spend & Expense
Divvy read as BILL Spend & Expense
Divvy (by Bill.com) read as BILL Spend & Expense
Divvy (by SmartSuite) read as BILL Spend & Expense
Paylocity read as Paylocity for Finance
Rippling read as Rippling Spend
Unresolved, counted raw
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QuickBooks built-in tools
Zaggle
Discontinued, still offered
No shut-down product was recommended here.