The financial tools that actually do what they promise.
JL Collins built a philosophy on one simple truth: keep it simple, keep costs low, ignore the noise. These two tools live by that same creed — BILL for business finances, OnPay for payroll. No bloat. No nonsense. Just the machinery that lets you focus on building wealth.
No credit card required on either. Cancel anytime.
If you've read The Simple Path to Wealth, you know JL's stance: complexity is the enemy of wealth. Every unnecessary tool, every manual process, every hour spent chasing invoices or running payroll by hand is an hour you're not compounding your advantage.
BILL eliminates the accounts payable and receivable chaos that drains small business owners. One dashboard. Automated approvals. Payments that move without you. It syncs with QuickBooks, Xero, and NetSuite — meaning your bookkeeper stops spending Fridays on manual entry.
OnPay is the payroll tool that disappears into the background. Full-service payroll, automatic tax filings, benefits integration — and a first month free so you can verify it actually earns its place in your stack before you spend a cent.
Both tools are endorsed here because they pass the JL Collins test: do they genuinely simplify your financial life, or are they just adding noise? These two genuinely simplify it.
Business finances and payroll — handled.
Pick the one you need most right now, or run both together. Either way, the friction disappears.
BILL — Financial Operations
The platform that puts your AP, AR, spend, and expense management on autopilot. Used by over 160,000 businesses who decided that manual bill pay is a waste of their most valuable resource: time.
- Automated bill pay with multi-level approvals
- Send invoices and collect payments faster
- Real-time spend visibility and corporate cards
- Syncs directly with QuickBooks, Xero, NetSuite, Sage
- Mobile approvals — close the books from anywhere
OnPay — Payroll Done Right
Full-service payroll that handles everything — federal, state, and local taxes filed automatically, benefits integrated, direct deposits on time. The tool that makes "payroll Friday" something you forget about.
- Automated payroll — run it in minutes
- Tax filings handled in all 50 states
- Health benefits & workers' comp built-in
- HR tools, PTO tracking, and onboarding
- First month completely free
Why simple tools beat complex ones. Every time.
Complexity has a cost — and it compounds
Every hour managing disconnected tools is an hour not spent on your actual business or investments. The simpler your financial stack, the more cognitive bandwidth you reclaim. BILL and OnPay are designed to be nearly invisible once configured.
Automation is leverage
Automated bill pay, automated payroll, automated tax filings. These aren't luxuries — they're the mundane mechanics of wealth preservation. Money that doesn't leak through inefficiency stays in the compounding engine longer.
Low friction = high follow-through
The best financial system is the one you actually use. Both tools are deliberately easy — no IT department, no long implementation, no six-week onboarding. Sign up, connect your bank, and you're running the same day.
Start free. Decide with data, not faith.
BILL offers a free trial. OnPay gives you a full free first month. Try them when the stakes are zero. The JL Collins way: verify before you commit. These tools earn their keep — or you leave, no harm done.
"We run BILL for our AP and OnPay for payroll. Combined, we save roughly eight hours a week that we used to spend chasing invoices and manually running payroll. That's time back on the compounding side of the ledger."
Samantha K. — CFO, Brightfield Consulting • 47 employees • JL Collins newsletter subscriber since 2018
Ready to simplify? Start free today.
Both platforms offer a free start — no credit card, no commitment. Pick the tool your business needs first, try it for free, and see whether it earns a permanent spot in your stack. The JL Collins test: does it make your financial life genuinely simpler? These two do.
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