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Construction · head to head

Billd vs Trimble Pay

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
Trimble Pay logo

Trimble Pay

Construction

Subcontractor billing and lien waiver automation, formerly sold as Flashtract

From
On request
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.; Trimble Pay the Flashtract name is being retired in favour of Trimble Pay, so existing documentation, comparison articles and integration listings are split across two names and buyers should confirm which contract entity and which support channel applies
  • They diverge on capability: Billd covers Material financing, Trimble Pay covers Automated pay applications.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and Trimble Pay actually diverge.

Attributes where Billd and Trimble Pay differ
AttributeBilldTrimble Pay
PlatformsWebWeb, 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 Trimble Pay

  • Automated pay applications
  • State-specific lien waivers
  • Waiver release on payment
  • Compliance tracking
  • Lower-tier tracking
  • Payments
  • ERP posting

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

Trimble Pay

  • A general contractor whose accounts payable team rejects a third of subcontractor billings each month for arithmetic or form errorsnot Billd
  • A contractor working across several states that needs the right statutory waiver language selected automatically rather than from a shared template foldernot Billd
  • A company that has been quoted Oracle Textura and wants to compare the total cost when the fee falls on the contractor rather than on the tradesnot Billd
  • A contractor that needs the unconditional waiver to be released only after funds clear, so it is not holding a waiver that a court would treat as ineffectivenot 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.

Trimble Pay

  • The Flashtract name is being retired in favour of Trimble Pay, so existing documentation, comparison articles and integration listings are split across two names and buyers should confirm which contract entity and which support channel applies
  • Pricing is not published, and because it is bought by the general contractor rather than charged to subcontractors, the whole cost lands in one budget line rather than being distributed across the supply chain
  • It is billing and compliance only, so a contractor still needs a project management system for drawings and RFIs and a construction ERP for the general ledger, and the value depends heavily on the quality of those two integrations
  • Lien waiver correctness is a legal question, and the system generates forms rather than giving advice, so a contractor operating in an unusual jurisdiction still needs counsel to confirm the templates match current statute
  • Under Trimble the product now sits alongside other Trimble construction financial assets, and buyers signing multi-year terms should ask directly how it is positioned against Viewpoint and the rest of the Trimble construction portfolio

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

Trimble Pay

On request
  • Trimble Pay$undefined/year
    • Bought by the general contractor, typically priced by project volume or contract value under management
    • Subcontractors are not charged a per-project usage fee
    • ERP integration and onboarding scoped separately

Which should you pick?

Choose Billd if

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

Choose Trimble Pay if

  • You need automated pay applications.
  • You work on Web, iOS, Android.
  • You also want state-specific lien waivers.
Trimble Pay review

Questions people ask

Is Billd or Trimble Pay better?
Neither clearly leads. Billd starts at On request and Trimble Pay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or Trimble Pay?
Billd starts at On request and Trimble Pay at On request.
Does Billd or Trimble Pay run on more platforms?
Billd runs on Web. Trimble Pay 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 Trimble Pay is typically brought in for.
What can Billd do that Trimble Pay cannot?
Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. Trimble Pay covers Automated pay applications, State-specific lien waivers, Waiver release on payment, Compliance tracking.

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.

Trimble Pay: Is Flashtract still sold under that name?

No. Trimble acquired Flashtract and now sells it as Trimble Pay. The flashtract.com content redirects into the Trimble product pages.

Billd: Does Billd publish rates?

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

Trimble Pay: Do subcontractors pay to use it?

No. The general contractor buys it. This is the main commercial difference from Oracle Textura, where subcontractors are billed a percentage of their contract value per project.

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.

Trimble Pay: Does it replace my accounting system?

No. It generates and approves the billing and the waivers, then posts to your construction ERP. You still need the ledger.

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.

Trimble Pay: Does it handle lower-tier subcontractors?

Yes, it tracks sub-tier amounts and sworn statements against the prime commitment, which is the usual source of surprise lien exposure.

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