Softwr

Construction · head to head

Billd vs CMiC

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
CMiC logo

CMiC

Construction

Cloud-based construction management software

From
$300/month
Rated
-
Full reviewWebsite

The short version

  • 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.; CMiC no specific pricing disclosed on website
  • They diverge on capability: Billd covers Material financing, CMiC covers Project management.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and CMiC actually diverge.

Attributes where Billd and CMiC differ
AttributeBilldCMiC
Starting priceOn request$300/month
Pricing modelquotesubscription
PlatformsWebWeb, Ios, Android
FoundedUnknown1985

Identical on both: free tier (No), 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 CMiC

  • Project management
  • Accounting
  • Document management
  • Job costing
  • Field operations
  • QuickBooks
  • Sage
  • Microsoft 365

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 CMiC
  • A concrete contractor whose general contractor pays at 75 days while the supplier expects 30not CMiC
  • A growing mechanical firm that wants to negotiate a supplier cash discount by paying immediately, funded by Billdnot CMiC
  • A subcontractor with a signed pay application sitting unpaid that needs payroll covered before the cheque landsnot CMiC

CMiC

  • Insurance and risk managementnot Billd
  • Professional liability coveragenot Billd
  • Construction industry insurancenot 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.

CMiC

  • No specific pricing disclosed on website
  • Website directs users to /pricing page for quotes only
  • Custom quoting model used for all customers
  • No tiered plans or standard pricing published

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

CMiC

$300/month
  • Core$300/month
    • Project management
    • Accounting
    • Document management
  • EnterpriseFree
    • Mobile field app
    • Advanced analytics
    • API access

Which should you pick?

Choose Billd if

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

Choose CMiC if

  • You need project management.
  • You work on Web, Ios, Android.
  • You also want accounting.
CMiC review

Questions people ask

Is Billd or CMiC better?
Neither clearly leads. Billd starts at On request and CMiC at $300/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or CMiC?
Billd starts at On request and CMiC at $300/month.
Does Billd or CMiC run on more platforms?
Billd runs on Web. CMiC runs on Web, Ios, Android.
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 CMiC is typically brought in for.
What can Billd do that CMiC cannot?
Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. CMiC covers Project management, Accounting, Document management, Job costing.

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.

CMiC: How much does CMiC cost?

CMiC does not publish fixed pricing on its website. The company uses a custom quote model. Interested parties must visit the /pricing page or contact CMiC directly to request a quote for their specific needs.

Source
Billd: Does Billd publish rates?

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

CMiC: What is CMiC's pricing model?

CMiC uses a custom enterprise pricing model rather than published tiered plans. All pricing is determined on a case-by-case basis through their sales team.

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.

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.

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