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Construction · head to head

Billd vs Handoff

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
Handoff logo

Handoff

Construction

AI estimating and proposals for residential remodelling contractors, priced per company not per seat

From
$119/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.; Handoff pro and Scale require a 12 month commitment, so a seasonal remodeller who slows down over winter pays through the quiet months or stays on the more expensive month-to-month Flex tier
  • They diverge on capability: Billd covers Material financing, Handoff covers Estimate from description.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and Handoff actually diverge.

Attributes where Billd and Handoff differ
AttributeBilldHandoff
Starting priceOn request$119/month
Pricing modelquotePer company per month
PlatformsWebWeb, iOS, Android

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 Handoff

  • Estimate from description
  • Photo-based estimating
  • AI takeoff
  • Custom pricing catalogues
  • Proposals and e-signature
  • Change orders
  • Invoicing and card payments

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

Handoff

  • A remodelling contractor who visits four kitchens a week and wants a priced proposal out the same evening instead of three days laternot Billd
  • A roofing business whose owner writes every estimate personally and is the bottleneck on salesnot Billd
  • A small builder who wants proposal, change order and invoice in one record so the final billing reconciles to what the client signednot Billd
  • A contractor collecting payment by card who wants to cut the processing rate from 3.35 to 2.85 per cent by moving to the annual Pro tiernot 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.

Handoff

  • Pro and Scale require a 12 month commitment, so a seasonal remodeller who slows down over winter pays through the quiet months or stays on the more expensive month-to-month Flex tier
  • AI-generated line item pricing is based on general cost data, not your suppliers or your subcontractors, so every estimate needs review and the time saving is smaller than the marketing implies once a real pricing catalogue is built
  • AI takeoff only appears on the 899 dollar Scale tier and is capped at plans of 5,000 square feet, which excludes most light commercial and larger custom homes
  • Flex includes only 50 AI credits a month and one pricing catalogue, which a busy estimator exhausts quickly, making the entry tier more of a trial than a working plan
  • It targets residential remodelling specifically, with no scheduling, no field production tracking and no job costing depth, so a growing contractor outgrows it and migrates to a full construction management platform

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

Handoff

$119/month
  • Flex$119/month
    • Billed annually, 149 USD month to month
    • 2 users
    • 50 AI credits a month
  • Pro$239/month
    • Billed annually, 299 USD month to month
    • 12 month commitment
    • 5 users
  • Scale$719/month
    • Billed annually, 899 USD month to month
    • 12 month commitment
    • 5 users
  • Custom API$undefined/year
    • Quoted for multi-location businesses
    • API access
    • Custom integrations

Which should you pick?

Choose Billd if

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

Choose Handoff if

  • You need estimate from description.
  • You work on Web, iOS, Android.
  • You also want photo-based estimating.
Handoff review

Questions people ask

Is Billd or Handoff better?
Neither clearly leads. Billd starts at On request and Handoff at $119/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or Handoff?
Billd starts at On request and Handoff at $119/month.
Does Billd or Handoff run on more platforms?
Billd runs on Web. Handoff 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 Handoff is typically brought in for.
What can Billd do that Handoff cannot?
Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. Handoff covers Estimate from description, Photo-based estimating, AI takeoff, Custom pricing catalogues.

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.

Handoff: What does Handoff actually cost?

From 119 US dollars a month billed annually on Flex for two users, 239 on Pro for five users, and 719 on Scale which is the only tier with AI takeoff. Month to month prices are 149, 299 and 899.

Billd: Does Billd publish rates?

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

Handoff: Is the card processing fee on top of the subscription?

Yes. It is 3.35 per cent on Flex and 2.85 per cent on Pro and Scale, charged on payments you collect through the platform.

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.

Handoff: Does it do commercial construction?

No. It is built for residential remodelling scopes and its cost data and takeoff limits reflect that.

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.

Handoff: Can I cancel monthly?

Only on Flex. Pro and Scale carry a 12 month commitment.

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