Billd

Overview

Billd provides financing products for construction subcontractors. With material financing, Billd pays a subcontractor's material supplier upfront, and the subcontractor repays Billd on terms of up to 120 days, with the term set by project timeline and credit profile. The company says customers can use any supplier and that credit is organized as project-based credit lines.

Pay App Advance lets a subcontractor receive up to 100% of an approved pay application, less a purchase fee, before the general contractor pays. Billd confirms the pay app with the GC, and the subcontractor makes predetermined weekly payments until the GC pays or for up to 60 days, whichever comes first. Billd also lists Flex Line, a revolving working capital product, and offerings for suppliers and general contractors.

The process starts with online enrollment, followed by entering a project and uploading a material quote or approved pay app. Customers get a dedicated account manager and can see credit utilization and payment schedules. Billd's website names Knowify, PlanHub and AIA Contract Documents as partners.

Main capabilities

• Supplier paid upfront with terms up to 120 days
• Advances on approved pay applications
• Revolving working capital through Flex Line
• Project-based credit lines
• Credit utilization and payment schedule visibility
• Dedicated account manager

Who it's for

Billd says its products are built for construction subcontractors, and its testimonials come from trades including concrete, sheet metal, plumbing, fire protection and ironwork. The website also has sections for material suppliers and general contractors. Billd notes that pricing and product features for Pay App Advance may vary in California and New York.

• Subcontractors

Pricing

Quote on request

Billd doesn't publish rates or fees on its website. For Pay App Advance it says the advance is up to 100% of the pay app minus a purchase fee, without stating the fee, and that there are no wire or transfer fees; material financing terms run up to 120 days depending on credit profile.

As listed on Billd's website in October 2026. Prices change; check with the company for a current quote.