Softwr

Construction · head to head

Billd vs PlanSwift

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
PlanSwift logo

PlanSwift

Construction

Digital takeoff and estimating software

From
$1499/year
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.; PlanSwift only one published plan tier (Professional at $2,000 annually)
  • They diverge on capability: Billd covers Material financing, PlanSwift covers Digital takeoff.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and PlanSwift actually diverge.

Attributes where Billd and PlanSwift differ
AttributeBilldPlanSwift
Starting priceOn request$1499/year
Pricing modelquotesubscription
PlatformsWebWindows
FoundedUnknown2000

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 PlanSwift

  • Digital takeoff
  • Estimating
  • Assemblies
  • Reporting
  • Plan viewing
  • QuickBooks
  • Sage
  • Excel

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

PlanSwift

  • Taking off quantities from construction drawings on screennot Billd
  • Producing material and labour estimates from digital plansnot 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.

PlanSwift

  • Only one published plan tier (Professional at $2,000 annually)
  • Annual renewal required; no monthly subscription option stated
  • No multi-user or team-based pricing options published

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

PlanSwift

$1499/year
  • PlanSwift Pro$1499/year
    • Digital takeoff
    • Estimating
    • Assemblies
  • PlanSwift Pro+$2099/year
    • Everything in Pro
    • Advanced reports
    • Priority support

Which should you pick?

Choose Billd if

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

Choose PlanSwift if

  • You need digital takeoff.
  • You work on Windows.
  • You also want estimating.
PlanSwift review

Questions people ask

Is Billd or PlanSwift better?
Neither clearly leads. Billd starts at On request and PlanSwift at $1499/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or PlanSwift?
Billd starts at On request and PlanSwift at $1499/year.
Does Billd or PlanSwift run on more platforms?
Billd runs on Web. PlanSwift 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 PlanSwift is typically brought in for.
What can Billd do that PlanSwift cannot?
Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. PlanSwift covers Digital takeoff, Estimating, Assemblies, Reporting.

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.

PlanSwift: How much does PlanSwift cost?

PlanSwift Professional costs $2,000 USD per year as an annual subscription. The price includes software access, updates, support for 12 months, and 2 hours of training.

Source
Billd: Does Billd publish rates?

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

PlanSwift: Does PlanSwift offer a free trial?

Yes, PlanSwift offers a 14-day free trial with no credit card required. This allows users to evaluate the software and its Takeoff Boost AI tools before committing to the annual subscription.

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.

PlanSwift: What is included in PlanSwift Professional?

PlanSwift Professional includes full software access, 1 year of updates and support, 2 hours of training, and Takeoff Boost, a suite of AI tools that automates measuring, counting, and scaling tasks.

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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