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Construction · head to head

Billd vs Cubit Estimating

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
Cubit Estimating logo

Cubit Estimating

Construction

Australian estimating and on-screen takeoff in one window, priced openly per user per month

From
167/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.; Cubit Estimating every subscription carries a minimum twelve month term, so a firm that hires an estimator for one tender period pays for the full year regardless.
  • They diverge on capability: Billd covers Material financing, Cubit Estimating covers Integrated takeoff and estimate.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and Cubit Estimating actually diverge.

Attributes where Billd and Cubit Estimating differ
AttributeBilldCubit Estimating
Starting priceOn request167/month
Pricing modelquotePer user per month
PlatformsWebWindows

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 Cubit Estimating

  • Integrated takeoff and estimate
  • Calculation and rate sheets
  • Price list management
  • Bills of quantities
  • BIM and IFC takeoff
  • Revision management
  • AI Estimating add-on
  • Job collaboration

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

Cubit Estimating

  • An Australian commercial builder that wants takeoff and estimate in one file rather than exporting quantities from a separate measurement toolnot Billd
  • A quantity surveying practice producing trade-structured bills of quantities to local conventionnot Billd
  • A subcontractor pricing repeat work from maintained supplier price lists rather than rebuilding rates each tendernot Billd
  • A small estimating team that needs to know the annual cost before booking a demo, because the rate card is publishednot 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.

Cubit Estimating

  • Every subscription carries a minimum twelve month term, so a firm that hires an estimator for one tender period pays for the full year regardless.
  • BIM and IFC takeoff sits only in Enterprise at $250 per user per month, meaning a builder who receives models rather than PDFs is pushed to the top tier whether or not it needs collaboration features.
  • The product is Windows only with no macOS or browser client, which excludes practices standardised on Macs unless they run virtualisation.
  • Rate libraries, measurement conventions and BOQ structures follow Australian practice, so buyers outside Australia and New Zealand inherit a method that does not match their local standard forms.
  • The AI Estimating add-on is priced at an explicitly temporary introductory rate, so a firm building the feature into its workflow is accepting an unspecified future increase on top of the seat price.

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

Cubit Estimating

167/month
  • Standard$167/month
    • Integrated estimating and takeoff
    • Calculation sheets, rate sheets and price lists
    • Basic job management
  • Professional$222/month
    • Everything in Standard
    • Code grouping
    • Custom reporting
  • Enterprise$250/month
    • Everything in Professional
    • BIM and IFC takeoff
    • Multi-user job collaboration
  • AI Estimating add-on$20/month
    • Automated element recognition
    • Works with any edition
    • Introductory rate the vendor says will increase

Which should you pick?

Choose Billd if

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

Choose Cubit Estimating if

  • You need integrated takeoff and estimate.
  • You work on Windows.
  • You also want calculation and rate sheets.
Cubit Estimating review

Questions people ask

Is Billd or Cubit Estimating better?
Neither clearly leads. Billd starts at On request and Cubit Estimating at 167/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or Cubit Estimating?
Billd starts at On request and Cubit Estimating at 167/month.
Does Billd or Cubit Estimating run on more platforms?
Billd runs on Web. Cubit Estimating runs on Windows.
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 Cubit Estimating is typically brought in for.
What can Billd do that Cubit Estimating cannot?
Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. Cubit Estimating covers Integrated takeoff and estimate, Calculation and rate sheets, Price list management, Bills of quantities.

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.

Cubit Estimating: What does Cubit actually cost?

Standard $167, Professional $222 and Enterprise $250 per user per month on annual billing, in Australian dollars excluding GST. Monthly billing is about 16 per cent more.

Billd: Does Billd publish rates?

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

Cubit Estimating: Can I get BIM takeoff without the Enterprise tier?

No. IFC model takeoff is an Enterprise feature only.

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.

Cubit Estimating: Is there a perpetual licence?

No. Cubit Estimating is subscription only with a minimum twelve month commitment.

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.

Cubit Estimating: Does it suit contractors outside Australia?

It works, but rate libraries and BOQ conventions follow Australian standards, so buyers elsewhere do more setup than a locally built alternative would need.

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