Material Financing
Strategic subs don’t front costs—they fund growth
Billd gives you the working capital to pay suppliers upfront—and repayment terms aligned to your DSO—so you can allocate cash strategically, not reactively.
- Paying upfront puts you in the driver’s seat—negotiate better prices and build stronger supplier relationships.
- You pay us on flexible terms—up to 120 days—preserving your valuable cash reserves.
- Transparent pricing lets you take a proactive approach to defining and protecting your margins.
Get Started for Free
Enter your details below to speak with a Billd representative.
- Your information is safe and secure
Billd's Material Financing is designed specifically for businesses like yours
81% of subs have shorter supplier terms than the average DSO. Even if you have the cash to float materials, once terms run out, you’re pulling from something else—usually growth.
Billd gives you up to 120-day terms and pays suppliers upfront—so you can preserve capital, protect margins, and negotiate from a position of strength.
Whether it’s steel, concrete, or custom parts—Billd covers material costs upfront in cash so you can bid bigger, take on more, and grow without slowing down.
We work best with
Our financial solutions work best for contracting companies:
Generating $8M-$40M+ in annual revenue
Managing commercial projects with large material costs
Focusing on financial strategy and protecting margins on every project
Wanting to maintain healthy cash flow while building a more resilient business
Billd products are designed for the unique needs of construction companies
- Credit products designed to cover your largest expenses
- Bridge the gap between pay apps and payment
- Turn unpredictable receivables into capital you can control
- Credit limits that flex with your project pipeline
- Bid more jobs—knowing your financial firepower is secure
Real subs.
Real strategy shifts.
Hear how material financing helps contractors grow without tying up retained profits in working capital.
President
“As a growth minded commercial subcontractor, Billd has provided us resources we need to manage cashflow while meeting our strategic growth plan. The team is friendly and always works to provide fast service, offers insights into ROl, and other tools that are important to business. Highly recommended."
Our Partnership with Billd has been a major asset to help scale our company. Billd provides us with the flexibility and capital thats necessary to finance larger projects, that we previously were not able to. This gives us the additional cash flow thats often required for larger projects that a traditional banks do not provide.
We utilize Billd to assist with financing materials on projects & advancing payment for work that is completed. This significantly increases our cash flow & working capital, and has allowed us to scale our company.
Both Lanham Crouch & Corey Stepanek with Billd have been great to work with and are VERY PROACTIVE to assist with any of our needs. TOP NOTCH GUYS to work with!
Great partnership overall to say the least. Highly recommend!
" We have worked with Billd for nearly a year now and we have found their service to be an efficient way to fund our material purchases, as well as receive up-front payment for billings. Their material funding program and pay app advance system have proved extremely beneficial for our cashflow needs, as a sub-contractor. We have found the Billd team easy to communicate with, and we value the partnership we have with them. We look forward to working with the Billd team even more in the future."
Billd works with your favorite material suppliers
Frequently Asked Questions
What is Material Financing?
Material financing is a payment solution that gives commercial contractors up to 120-day payment terms with their suppliers.
Here’s how it works: (1) Submit a material quote from your favorite supplier (2) Billd will pay the supplier upfront (so be sure to negotiate a discount) (3) Your supplier ships the material directly to the job site and (4) You pay Billd when you get paid, up to 120 days.
What are the benefits of paying for construction materials with Billd?
- Billd removes the burden of fronting heavy upfront costs for materials.
- Contractors preserve their existing capital and credit lines for better bonding capacity and a bigger safety net.
- Contractors get better rates by negotiating cash discounts with their suppliers using Billd’s upfront payments.
- Payments go out quickly; material purchase requests are often processed and paid same-day.
- Contractors minimize their out-of-pocket costs by securing terms up to 120 days or whenever they get paid (whichever comes first).
- There are no hidden fees and pricing is transparent.
- There is no shortlist of suppliers; customers work with any material supplier or manufacturer in the U.S.
How does paying a material supplier with Billd work?
1. Create a project and upload a copy of your contract with the general contractor or property owner.
2. Upload a copy of your supplier quote to be paid, including the date you are requesting payment (we can offer up-to same-day approval and payments).
3. We will confirm your purchase and prepare to deliver payment.
How long is the repayment term for Material Financing?
Contractors must repay the material purchase amount after being paid by the general contractor or in 120 days, whichever is sooner.
How long does it take for my supplier to receive payment from Billd?
Billd pays suppliers via ACH and in most cases they’ll receive the funds either the same day or the next day. We can provide checks in some cases but there is often a delay due to mail/processing time.
