Local Transfer provides the ability to have same-day international payments to vendors in local currencies with transactions delivered directly to local banks abroad. Local Transfer is available in 15 countries but will soon be available in 40 countries. Enhancements to Bill’s payments engine include the ability to send payments in real time with the Bill Accounts Payable Instant Payment option. In addition, the company has introduced its Accounts Receivable Invoice Financing, a short-term line of credit. Bill says up to $100,000 in financing is available in five to 10 minutes after an application has been made for credit line approval.