Without the right capital strategy, growth can feel like a gamble
You've put in the commitment and have earned your right to bigger, more complex projects.
- When you’re dealing with long payment cycles, you need cash flow that stays ahead of your DSO
- When you’re facing large upfront material costs, you need working capital that’s available when you need it
- When you’re navigating selective bank lines, you need financial flexibility—without restrictive covenants
That’s where Billd comes in—helping subcontractors finance growth strategically, without unnecessary risk.
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The smarter way to finance your growth
Billd helps subcontractors like you:
- Take on bigger, more complex projects without overextending credit line
- Increase buying power and negotiate better material costs
- Strengthen financial stability with additional credit
- Bid confidently, knowing capital won’t slow you down
Get financing that works for your business— not against it.
Billd products are built exclusively for subcontractors
Material Financing
- Negotiate lower unit cost with suppliers
- Pay for materials upfront—You have up to 120-days to pay us back
- Reserve your cash for payroll, equipment, and scaling operations
Pay App Advance
- Stabilize cash flow to ensure key project costs are met
- Bring predictability to your accounts receivable and financial planning
- Scale with confidence, not cash flow stress
Who we work best with
If you’re here, you’re not just any contractor.
Billd is built for established Commercial Subcontractors who are:
Generating $8M-$40M+ in annual revenue
Managing multiple projects at once
Focused on financial strategy and long-term growth
Want to maintain strong cash flow while scaling
You already know how to run your business. Billd helps you scale it.
Why smart contractors choose Billd
- Our credit offerings are based on your business and your projects
- Repayment terms that make sense for the industry
- Coverage for your biggest project expenses, keeping profit out of your working capital
Billd has helped us win more projects, negotiate better deals, and grow our business. If you're serious about scaling, this is the partner you want.
Ready to strengthen your cash flow and fuel your next stage of growth?
See what our customers think
How RDP Electric Turned Financial Struggles into Competitive Strength with Billd
CitiGreen Solves Funding Challenges and Keeps Projects on Schedule with Billd's Payment Solution
How StruktureOne Uses Billd to Combat Long Lead Times and Retain Their Most Valuable Customers
Used by subcontractors on projects across the country
Frequently Asked Questions
Who is Billd?
Billd is the Champion of the Subcontractor. For too long the status quo in commercial construction has left trade contractors footing the bill for billions of dollars in projects annually, with very few financing options. Subcontractors are the backbone of construction and yet they are underbanked and underserved. Billd is changing that, by providing flexible payment solutions that give subcontractors access to funds with terms that mirror their payment cycle.
Why is there a need for Billd?
Payment on commercial construction projects can be unpredictable. There are backlogs of schedules of values and never-ending change orders that push standard payment terms past 30, 60, or even 90 days. Meanwhile, trade contractors are forced to pay substantial upfront and ongoing project costs, including labor and materials. This model creates financial strain for even the strongest subcontracting businesses.
That’s why Billd exists. Traditional financial institutions cannot provide the immediate capital relief that contractors need. Billd can because our deep knowledge and expertise in construction allow us to properly quantify construction-specific risk and set payment terms that actually make sense. Our financial solutions allow subcontractors to streamline their AR today so they can invest in the future of their business.
Who does Billd work with?
Billd works with subcontractors and self-performing general contractors across the United States that specialize in commercial construction and generate over $2 million in annual revenue, regardless of their specific trade.
What kind of projects will Billd approve?
Billd services projects that change the faces of communities, including commercial, industrial, government, agriculture, utility, and multi-family construction. We work with all construction trades including, but not limited to site work, concrete, steel framing, masonry, sheetrock, waterproofing, major mechanical, flooring, trim, specialty coatings, and much more. We do not work with single-family residential projects at this time.
How do contractors enroll with Billd?
Enrolling takes less than 5 minutes online and does not require an extensive application or endless financial statement reviews. Enrolling is commitment-free and approval can be provided in 24 hours or less.
What are Billd's approval requirements?
Billd is a non-bank financing partner, and proud. We know that traditional risk models do not apply to construction businesses. That’s why we evaluate contractors individually based on their personal and business experience, project pipeline, and previous purchase history.
