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Construction · head to head

Billd vs STACK Construction Technologies

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
STACK Construction Technologies logo

STACK Construction Technologies

Construction

Takeoff and estimating software for preconstruction

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only STACK Construction Technologies has a free tier, so it costs nothing to try first.
  • 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.; STACK Construction Technologies takeoff and Estimate is priced per user at $249 per user per month, so cost scales linearly with estimators
  • They diverge on capability: Billd covers Material financing, STACK Construction Technologies covers Digital takeoff.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and STACK Construction Technologies actually diverge.

Attributes where Billd and STACK Construction Technologies differ
AttributeBilldSTACK Construction Technologies
Starting priceOn requestFree
Pricing modelquotesubscription
Free tierNoYes
PlatformsWebWeb, Ios, Android
FoundedUnknown2011

Identical on both: 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 STACK Construction Technologies

  • Digital takeoff
  • Estimating
  • Bid management
  • Proposal generation
  • Plan storage
  • QuickBooks
  • Sage
  • Procore

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

STACK Construction Technologies

  • Construction project estimation and biddingnot Billd
  • Field operations and daily reportingnot Billd
  • Construction project managementnot Billd
  • Material and labor takeoffnot 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.

STACK Construction Technologies

  • Takeoff and Estimate is priced per user at $249 per user per month, so cost scales linearly with estimators
  • The full platform combining takeoff, estimating and field management starts at $298 per user per month
  • Field and project management is sold as a separate Build and Operate product starting at $49 per user per month rather than bundled with takeoff
  • The Build and Operate product offers only a two-week free trial, with the free version limited to Takeoff and Estimate

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

STACK Construction Technologies

Free
  • Takeoff & Estimate$249/month
    • Quantity takeoff capabilities
    • Labor and material takeoff
    • Flexible estimates and proposals
  • Build & Operate$49/month
    • Responsive plan viewing and markup
    • Issues, punch lists, and daily reports
    • Customizable workflows
  • Full STACK Platform$298/month
    • Plan measurement and markup
    • Integrated estimating
    • Field and project management

Which should you pick?

Choose Billd if

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

Choose STACK Construction Technologies if

  • You need digital takeoff.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want estimating.
STACK Construction Technologies review

Questions people ask

Is Billd or STACK Construction Technologies better?
Neither clearly leads. Billd starts at On request and STACK Construction Technologies at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or STACK Construction Technologies?
STACK Construction Technologies has a free tier; the other does not. Paid plans start at On request for Billd and Free for STACK Construction Technologies.
Does Billd or STACK Construction Technologies run on more platforms?
Billd runs on Web. STACK Construction Technologies runs on Web, Ios, Android.
Can I use STACK Construction Technologies for free?
Yes. STACK Construction Technologies has a free tier, so you can try it without paying. Billd starts at On request.
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 STACK Construction Technologies is typically brought in for.
What can Billd do that STACK Construction Technologies cannot?
Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. STACK Construction Technologies covers Digital takeoff, Estimating, Bid management, Proposal generation.

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.

STACK Construction Technologies: How much does STACK Construction cost?

STACK costs $49 to $298 per user per month depending on the plan. Build & Operate starts at $49/user/month, Takeoff & Estimate at $249/user/month, and Full STACK Platform at $298/user/month. Pricing is quoted per-user and scales with team size.

Source
Billd: Does Billd publish rates?

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

STACK Construction Technologies: Does STACK offer free options?

Yes, Takeoff & Estimate includes a free version, and Build & Operate includes a two-week free trial. Full STACK Platform offers a Build Your Price option for custom configurations.

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.

STACK Construction Technologies: Can I get custom pricing from STACK?

Yes, STACK offers a Build Your Price option for the Full STACK Platform and Takeoff & Estimate to accommodate specific business requirements. Custom pricing requires direct consultation with their sales team.

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.

STACK Construction Technologies: How quickly can STACK be implemented?

STACK promises quick implementation measured in hours rather than weeks, though the exact timeframe depends on your configuration and team size.

Source
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