"I'll Trade (A Million Bucks)" is the lead single by R&B singer Keith Sweat featuring former label-mate Lil' Mo from Sweat's seventh album, Didn't See Me Coming (2000). The song was solely written by Mo and featured production by Sweat, Barry Salter and Jules Bartholomew. An autotuned remix produced by Walter "Mucho" Scott was released to vinyl pressings and appeared on Sweat's album as an interlude in the form of a snippet. A music video for the single was directed by J. Jesses Smith and premiered on BET in late September 2000.
Sweat confirmed in an interview with Billboard that the concept behind the song was self-explanatory as given in the song's title. He further explained, "I'll trade whatever I have to have somebody who's down with me for me. That person doesn't have to have a million bucks. It pertains to anybody who has just a little something." In addition, Sweat was in talks to release an international remix featuring South African songstress Lebo Mathosa, however it was never released. At the time of its recording, the South African press revealed that Mathosa had recorded her vocals in a Johannesburg studio and sent it off to the US for final mixing.
The song met generally favorable reviews. Elysa Gardner from Vibe named the song a "slow-groove scorcher" and praised Lil' Mo for her capability in being a "sexy duet partner." Vinny Brown, PD of New York City's radio station WBLS-FM cited the single as being "classic Keith Sweat," and added: "Keith has proven to be a core artist... [and] continues to give the people what they want."AllMusic editor Ed Hogan nicknamed the track a "lonely superstar duet ballad."