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Construction · head to head

Billd vs Buildxact

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
Buildxact logo

Buildxact

Construction

Estimating and construction management for builders, remodelers and material dealers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Buildxact has a free tier, so it costs nothing to try first.
  • Each has a real cost: Billd the contractor carries the fee rather than the supplier, so unless the cost is bid into the job or offset by a negotiated supplier cash discount, financed material is simply more expensive material.; Buildxact 15% discount applied only to annual billing
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and Buildxact actually diverge.

Attributes where Billd and Buildxact differ
AttributeBilldBuildxact
Starting priceOn requestFree
Pricing modelquotesubscription
Free tierNoYes

Identical on both: platforms (Web), user rating (Not yet rated), category (Construction).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Billd

  • Material financing
  • Pay App Advance
  • Same-day supplier funding
  • Supplier network terms
  • Credit line for materials
  • Online account portal

Only in Buildxact

Nothing recorded that Billd does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Billd

  • An electrical subcontractor that has won a job larger than its cash position can carry through the first three material buysnot Buildxact
  • A concrete contractor whose general contractor pays at 75 days while the supplier expects 30not Buildxact
  • A growing mechanical firm that wants to negotiate a supplier cash discount by paying immediately, funded by Billdnot Buildxact
  • A subcontractor with a signed pay application sitting unpaid that needs payroll covered before the cheque landsnot Buildxact

Buildxact

  • Reducing estimation time from 30-40 hoursnot Billd
  • Managing projects from lead to invoicenot Billd
  • Generating estimates with digital signaturesnot Billd
  • Integrating material dealers into workflownot Billd

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Billd

  • The contractor carries the fee rather than the supplier, so unless the cost is bid into the job or offset by a negotiated supplier cash discount, financed material is simply more expensive material.
  • No rate card is published, so the effective annualised cost is only visible after underwriting and cannot be compared against a bank line or a card facility before you apply.
  • A 120 day term assumes the general contractor pays roughly on time; if the GC drags past that, the subcontractor owes Billd on schedule regardless of whether it has been paid.
  • This is credit, not construction software, so it adds a debt obligation and a covenant relationship to a business that a surety and a bonding agent will look at when setting bonding capacity.
  • Coverage is US commercial construction, so contractors outside that market or working residential get little from it, and eligibility depends on project type and the creditworthiness of the paying party.

Buildxact

  • 15% discount applied only to annual billing
  • Advanced AI add-ons require additional per-month fees

Pricing, plan by plan

Billd

On request
  • Material Financing$undefined/year
    • Supplier paid upfront
    • Repayment up to 120 days
    • Fee set per draw after underwriting
  • Pay App Advance$undefined/year
    • Advance against billed and uncollected work
    • Purchase fee deducted from the advance
    • Terms set per contractor

Buildxact

Free
  • GoFree
    • 5 complimentary credits
    • AI Estimating
    • Professional Proposals
  • Foundation$199/month
    • Unlimited users
    • Lead management
    • Digital takeoffs
  • Pro$399/month
    • All Foundation features
    • Blu Estimate Generator
    • Job management
  • Master$599/month
    • All Pro features
    • Blu Takeoff Assistant
    • Blu Estimate Reviewer

Which should you pick?

Choose Billd if

  • You need material financing.
  • You also want pay app advance.
Billd review

Choose Buildxact if

  • You want to start without paying.
Buildxact review

Questions people ask

Is Billd or Buildxact better?
Neither clearly leads. Billd starts at On request and Buildxact at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or Buildxact?
Buildxact has a free tier; the other does not. Paid plans start at On request for Billd and Free for Buildxact.
Does Billd or Buildxact run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Buildxact for free?
Yes. Buildxact has a free tier, so you can try it without paying. Billd starts at On request.
What is Billd best used for?
Billd is most often used for an electrical subcontractor that has won a job larger than its cash position can carry through the first three material buys, a concrete contractor whose general contractor pays at 75 days while the supplier expects 30, a growing mechanical firm that wants to negotiate a supplier cash discount by paying immediately, funded by billd, a subcontractor with a signed pay application sitting unpaid that needs payroll covered before the cheque lands. Of those, an electrical subcontractor that has won a job larger than its cash position can carry through the first three material buys and a concrete contractor whose general contractor pays at 75 days while the supplier expects 30 are not what Buildxact is typically brought in for.
What can Billd do that Buildxact cannot?
Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms.

Answered from the vendors’ own pages

Billd: Who pays Billd's fee, the contractor or the supplier?

The contractor. The supplier is paid upfront in full and carries no credit risk.

Buildxact: Does Buildxact offer a free tier?

Yes, Buildxact's Go plan is free and includes 5 complimentary credits for AI Estimating and Professional Proposals, plus access to Home Depot Material Ordering.

Source
Billd: Does Billd publish rates?

No. Cost depends on term, product and underwriting outcome and is disclosed in the offer.

Buildxact: What is the price difference between monthly and annual billing?

Annual plans include a 15% discount. For example, Foundation costs $199/month on monthly billing but $169/month ($2,030/year) on annual billing, saving $358 per year.

Source
Billd: What happens if my general contractor pays late?

You still owe Billd on the agreed schedule. The 120 day term is designed to cover a normal pay cycle, not a dispute.

Buildxact: How many users can access Buildxact?

Foundation, Pro, and Master plans include unlimited users. The free Go plan does not specify user limits.

Source
Billd: Does using Billd affect bonding capacity?

It is a debt facility, so a surety will consider it. Discuss it with your bonding agent before drawing heavily.

Buildxact: What add-on costs are available?

Additional AI tools cost $99/month for Blu Takeoff Assistant and $149/month for Blu Estimate Reviewer, available on Pro and Master plans.

Source
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