Is Billd or Kojo better?

Neither clearly leads. Billd starts at On request and Kojo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Billd or Kojo?

Billd starts at On request and Kojo at On request.

Does Billd or Kojo run on more platforms?

Billd runs on Web. Kojo 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 Kojo is typically brought in for.

What can Billd do that Kojo cannot?

Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. Kojo covers Field material requests, Multi-supplier quoting, Purchase order management, Inventory and warehouse.

Construction · head to head

Billd vs Kojo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From: On request
Rated: -

Full review Website

Kojo

Construction

Materials procurement and inventory for speciality trade contractors

From: On request
Rated: -

Full review Website

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.; Kojo benefits depend on distributors providing electronic catalogues and pricing, and a contractor whose main supplier will not participate is left keying quotes by hand.
They diverge on capability: Billd covers Material financing, Kojo covers Field material requests.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and Kojo actually diverge.

Attributes where Billd and Kojo differ
Attribute	Billd	Kojo
Platforms	Web	Web, iOS, Android

Identical on both: starting price (On request), pricing model (quote), 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 Kojo

Field material requests
Multi-supplier quoting
Purchase order management
Inventory and warehouse
Committed cost visibility
Enterprise resource planning integration

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

Kojo

An electrical or mechanical contractor where materials are close to half of job cost and buying happens dailynot Billd
A trade contractor that cannot see committed material cost against a job until the invoice arrivesnot Billd
A contractor consolidating purchasing across branches to negotiate better distributor pricingnot Billd
A subcontractor tracking warehouse stock and job transfers that currently live in a spreadsheetnot 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.

Kojo

Benefits depend on distributors providing electronic catalogues and pricing, and a contractor whose main supplier will not participate is left keying quotes by hand.
It serves speciality trade contractors; general contractors procure subcontracts rather than materials and get almost nothing from it.
Enterprise resource planning integration quality varies by system and version, so confirm the depth for your exact configuration rather than accepting the logo on the website.
Field adoption is the whole game, and foremen who lose signal in a plant room or basement revert to phoning the office within days unless offline capture genuinely works.
It changes purchasing process as well as software, so contractors whose buying authority is informal have to formalise who can commit money before the system produces clean data.

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

Kojo

On request

Kojo$undefined/year
- Materials procurement workflow
- Supplier quoting and purchase orders
- Inventory tracking

Which should you pick?

Choose Billd if

You need material financing.
You also want pay app advance.

Billd review

Choose Kojo if

You need field material requests.
You work on Web, iOS, Android.
You also want multi-supplier quoting.

Kojo review

Questions people ask

Is Billd or Kojo better?: Neither clearly leads. Billd starts at On request and Kojo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or Kojo?: Billd starts at On request and Kojo at On request.
Does Billd or Kojo run on more platforms?: Billd runs on Web. Kojo 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 Kojo is typically brought in for.
What can Billd do that Kojo cannot?: Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. Kojo covers Field material requests, Multi-supplier quoting, Purchase order management, Inventory and warehouse.

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.

Kojo: Is this for general contractors?

No. It is built for speciality trade contractors buying materials. General contractors procure subcontracts and would get little from it.

Billd: Does Billd publish rates?

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

Kojo: What if our suppliers will not connect?

You lose most of the quoting benefit and keep only the internal workflow. Check distributor participation before purchase, because it determines the return.

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.

Kojo: Does it work without signal on site?

Field requests are designed for site use, and offline behaviour should be tested with your own crews in your worst locations, because that is where adoption is won or lost.

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.

Billd vs Kojo

Billd

Kojo

The short version

Where they differ

What each one covers

Only in Billd

Only in Kojo

What people use each for

Billd

Kojo

Where each one falls short

Billd

Kojo

Pricing, plan by plan

Billd

Kojo

Which should you pick?

Choose Billd if

Choose Kojo if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Billd

More on Kojo

Keep looking

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