Billdvs
Procore
Procore: If the real problem is slow billing and pay application administration rather than a lack of capital
Billd
Material financing and pay application advances for commercial subcontractors
As of 1 September 2026, Billd's pricing is not published; the vendor quotes on request. A construction finance platform that pays your material supplier upfront and lets you repay in up to 120 days. Softwr lists it under Construction. Billd is available on Web.
Overview
What Billd does
Billd sits between commercial subcontractors and their material suppliers. A subcontractor submits a supplier quote, Billd pays the supplier directly and often same day, material ships to site, and the subcontractor repays Billd over a term of up to 120 days that is meant to line up with when the general contractor actually pays. A second product, Pay App Advance, funds up to the full value of work already billed but not yet collected, less a purchase fee. The commercially important detail is who pays. In ordinary supplier trade credit the supplier extends 30 day terms and prices the risk into material. With Billd the supplier is made whole immediately and carries no credit exposure, and the subcontractor pays the financing fee. That means the buying decision belongs to the subcontractor and the fee is a direct cost of the job, so it has to be either bid into the work or offset by the cash discount a supplier will give for immediate payment. Firms that negotiate that discount can get much of the fee back; firms that do not are simply paying more for material. Buyers are commercial subcontractors, typically electrical, mechanical, concrete and drywall, whose growth is capped by working capital rather than by demand. Billd does not publish a rate card, and the effective cost depends on term, credit assessment and product. Underwriting is based on the business rather than personal collateral, but this is credit, not software, and the trade-off is that a slow-paying general contractor turns a 120 day term into a problem the subcontractor owns alone.
What people use it 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
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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.
Cross-shopped
What people choose instead of Billd
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- BilldvsSage 300 Construction
Sage 300 Construction: If you need job cost visibility to see where cash is actually trapped before borrowing against it
- BilldvsBriq
Briq: If forecasting cash across the whole portfolio is the gap rather than funding a single material buy
Pricing
What Billd costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Material Financing
On request
- Supplier paid upfront
- Repayment up to 120 days
- Fee set per draw after underwriting
- No public rate card
Pay App Advance
On request
- Advance against billed and uncollected work
- Purchase fee deducted from the advance
- Terms set per contractor
Capabilities
Features
Material financing
Billd pays the supplier upfront against a quote, repayment over up to 120 days
Pay App Advance
Advances up to the full value of billed but uncollected work, less a fee
Same-day supplier funding
Approved material purchases often funded and paid the same day
Supplier network terms
Suppliers get paid immediately while offering the contractor extended terms
Credit line for materials
Approved facility a contractor draws against per project
Online account portal
Submit quotes, track draws and manage repayment schedules
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
Who pays Billd's fee, the contractor or the supplier?
The contractor. The supplier is paid upfront in full and carries no credit risk.
Does Billd publish rates?
No. Cost depends on term, product and underwriting outcome and is disclosed in the offer.
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.
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.
Keep looking
Where to go from Billd
- Billd alternativesEvery product people weigh against it
- Billd pricingPlans, floors and what the tiers exclude
- Billd badgesWhich rules it meets, and the figure behind each
- All Construction softwareThe full category
- Best Construction softwareThe shortlist, and how it was cut
Best Construction software for
Compare Billd with
- Briq
- Procore
- Sage 300 Construction
- Siteline
- Oracle Textura Payment Management
- Document Crunch
- Bridgit Bravo
- GCPay
- AutoCAD
- Trimble Pay
- Clearstory
- Kojo
- RIB CostX
- Sitemark
- Skydio Dock for X10
- Togal.AI
- Siteline
- Tekla Structures
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Softwr does not host reviews and shows no star rating for Billd, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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