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Construction · head to head

Billd vs Togal.AI

Billd logo

Billd

Construction

Material financing and pay application advances for commercial subcontractors

From
On request
Rated
-
Full reviewWebsite
Togal.AI logo

Togal.AI

Construction

Automated drawing takeoff that measures and labels spaces without manual tracing

From
$299/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.; Togal.AI annual billing is mandatory at $299 per user per month, so an estimating team that ramps up and down for bid seasons pays a full year for seats it uses intermittently.
  • They diverge on capability: Billd covers Material financing, Togal.AI covers Automatic space detection.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Billd and Togal.AI actually diverge.

Attributes where Billd and Togal.AI differ
AttributeBilldTogal.AI
Starting priceOn request$299/month
Pricing modelquotePer user per month

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 Togal.AI

  • Automatic space detection
  • Drawing comparison
  • Natural language search
  • Automated counts
  • Excel export
  • Plan set management
  • Team sharing

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

Togal.AI

  • A commercial general contractor bidding repetitive multifamily or hospitality floor plates where room-by-room area takeoff dominates the effortnot Billd
  • An estimating team that needs to requantify quickly when an architect issues a revised set two days before a bidnot Billd
  • A finishes subcontractor pricing flooring, paint and ceiling areas across hundreds of roomsnot Billd
  • A preconstruction group producing early order-of-magnitude budgets from schematic plans before a full estimate is justifiednot 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.

Togal.AI

  • Annual billing is mandatory at $299 per user per month, so an estimating team that ramps up and down for bid seasons pays a full year for seats it uses intermittently.
  • Detection is tuned to architectural floor plans and space-based quantities; civil, structural detail and MEP riser takeoff still need a conventional tool, so most firms end up paying for two.
  • Automatically generated quantities still require estimator review before they enter a bid, so the saving is in tracing time rather than in checking time, and firms that skip the check are exposed on a hard-money bid.
  • The company spun out of a single general contractor, and drawing conventions that differ from that firm's typical project types produce weaker detection until the set is cleaned up.
  • It is a takeoff tool, not an estimating system, so pricing, rate build-up and bid assembly still happen elsewhere and the Excel handoff is the seam where errors get introduced.

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

Togal.AI

$299/month
  • Growth$299/month
    • One or two licences
    • Unlimited AI takeoffs
    • Drawing comparison and search
  • Business$undefined/year
    • Three or more licences
    • Quoted by the vendor
    • Team administration and shared takeoffs

Which should you pick?

Choose Billd if

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

Choose Togal.AI if

  • You need automatic space detection.
  • You also want drawing comparison.
Togal.AI review

Questions people ask

Is Billd or Togal.AI better?
Neither clearly leads. Billd starts at On request and Togal.AI at $299/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Billd or Togal.AI?
Billd starts at On request and Togal.AI at $299/month.
Does Billd or Togal.AI 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 Togal.AI is typically brought in for.
What can Billd do that Togal.AI cannot?
Billd covers Material financing, Pay App Advance, Same-day supplier funding, Supplier network terms. Togal.AI covers Automatic space detection, Drawing comparison, Natural language search, Automated counts.

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.

Togal.AI: What does Togal.AI cost?

$299 per user per month billed annually for one or two licences. Three or more users are quoted individually.

Billd: Does Billd publish rates?

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

Togal.AI: Can I pay monthly?

No. The published Growth plan requires annual billing.

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.

Togal.AI: Does it replace an estimating system?

No. It produces quantities. Rates, markup and bid assembly still happen in your estimating software or a spreadsheet.

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.

Togal.AI: Who owns the drawings and takeoffs I upload?

You do, and quantities export to Excel, but check the contract for how uploaded drawing sets are retained and whether they inform model training.

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