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Construction · head to head

Billd vs Knowify

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
Knowify logo

Knowify

Construction

Construction and field service management integrated with QuickBooks

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.; Knowify additional users cost $29/month per person across all plans
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and Knowify actually diverge.

Attributes where Billd and Knowify differ
AttributeBilldKnowify
Starting priceOn request$99/month
Pricing modelquotesubscription

Identical on both: free tier (No), 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 Knowify

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

Knowify

  • Bidding fixed-price and AIA jobs with team managementnot Billd
  • Tracking labor and materials costs to project phasesnot Billd
  • Real-time dispatching and payment processing for crewsnot Billd
  • Managing change orders and invoicing across projectsnot 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.

Knowify

  • Additional users cost $29/month per person across all plans
  • Monthly billing costs 50% more than annual billing

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

Knowify

$99/month
  • Core$99/month
    • 1 user
    • Bid, execute, and invoice for fixed-price and AIA jobs
  • Advanced$329/month
    • 10 users
    • Project management
    • Job costing tools
  • Enterprise$null/mo
    • Unlimited users
    • Unlimited inventory
    • Custom pricing

Which should you pick?

Choose Billd if

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

Choose Knowify if

Nothing in the data separates Knowify from Billd on the points above - pick on price and on how each one feels to use.

Knowify review

Questions people ask

Is Billd or Knowify better?
Neither clearly leads. Billd starts at On request and Knowify at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or Knowify?
Billd starts at On request and Knowify at $99/month.
Does Billd or Knowify run on more platforms?
Both run on Web, so platform support will not decide this one for you.
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 Knowify is typically brought in for.
What can Billd do that Knowify 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.

Knowify: How much does Knowify cost?

Knowify Core plan starts at $99/month for annual billing (or $149/month for monthly billing) and includes 1 user. The Advanced plan costs $329/month annually ($399/month monthly) and includes 10 users.

Source
Billd: Does Billd publish rates?

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

Knowify: What is the cost per additional user on Knowify?

Additional users cost $29/month across all plans whether on Core or Advanced.

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.

Knowify: Does Knowify have a free trial?

A free trial is available for both Core and Advanced plans before requiring a paid subscription.

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.

Knowify: What add-on features are available on Knowify?

Service Pro ($99/month annually), Live Equipment Tracking ($25/vehicle/month annually), AI Dashcams ($25/dashcam annually), and Tool Tracking ($99/month) are available as paid add-ons.

Source
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