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Construction · head to head

Billd vs CoConstruct

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
CoConstruct logo

CoConstruct

Construction

Project management for custom home builders and remodelers

From
$99/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.; CoConstruct coConstruct does not publish pricing information on their website
  • They diverge on capability: Billd covers Material financing, CoConstruct covers Project scheduling.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and CoConstruct actually diverge.

Attributes where Billd and CoConstruct differ
AttributeBilldCoConstruct
Starting priceOn request$99/month
Pricing modelquotesubscription
PlatformsWebWeb, Ios, Android
FoundedUnknown2005

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 CoConstruct

  • Project scheduling
  • Estimating
  • Client communication
  • Selections management
  • Financial tracking
  • QuickBooks
  • Xero
  • Zapier

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

CoConstruct

  • Custom home building and remodeling project management for existing CoConstruct accountsnot Billd
  • Migrating an existing CoConstruct project history onto Buildertrendnot 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.

CoConstruct

  • CoConstruct does not publish pricing information on their website
  • Pricing inquiry requires scheduling a demo or contacting sales at 1-800-213-3392
  • Website focuses on features and migration to Buildertrend platform rather than pricing
  • No pricing tiers or cost breakdowns visible on public pages

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

CoConstruct

$99/month
  • Essential$99/month
    • Project management
    • Scheduling
    • Client portal
  • Advanced$399/month
    • Everything in Essential
    • Estimating
    • Selections
  • Complete$699/month
    • Everything in Advanced
    • Lead management
    • Proposals

Which should you pick?

Choose Billd if

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

Choose CoConstruct if

  • You need project scheduling.
  • You work on Web, Ios, Android.
  • You also want estimating.
CoConstruct review

Questions people ask

Is Billd or CoConstruct better?
Neither clearly leads. Billd starts at On request and CoConstruct at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or CoConstruct?
Billd starts at On request and CoConstruct at $99/month.
Does Billd or CoConstruct run on more platforms?
Billd runs on Web. CoConstruct 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 CoConstruct is typically brought in for.
What can Billd do that CoConstruct cannot?
Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. CoConstruct covers Project scheduling, Estimating, Client communication, Selections management.

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.

CoConstruct: How much does CoConstruct cost?

CoConstruct does not publish pricing on their website. Interested customers must schedule a demo or contact their sales team at 1-800-213-3392 to receive pricing information.

Source
Billd: Does Billd publish rates?

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

CoConstruct: What is CoConstruct's pricing model?

CoConstruct's pricing model and pricing tiers are not disclosed on their public website. Pricing details are provided during the demo booking process or through direct contact with sales.

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.

CoConstruct: Does CoConstruct offer pricing information before contacting sales?

No, CoConstruct does not provide pricing details, calculators, or tiered pricing information on their website. All pricing information is available only after scheduling a demo or speaking directly with their sales representatives.

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.

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