A Better Alternative
to Factoring

Experience fast, flexible funding without the complications. See why commercial contractors are trusting Billd over traditional factoring.

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Elevate Your Projects with Billd’s Flexible Financing Solutions

Direct client relationships

With Billd, your client relationships stay strong and direct. We empower you to manage your projects seamlessly without unnecessary third-party involvement, ensuring clear communication and control.

Flexible funding options

Our financing aligns with your project timelines, offering the flexibility to access funds when you need them most. Whether you’re covering upfront costs or ensuring smooth operations throughout the project, Billd’s working capital solutions adapt to your workflow.

Transparent and predictable costs

Billd provides financing solutions that are straightforward and transparent. Enjoy predictable terms designed to support your growth without the stress of hidden fees.

How Billd works

Get the financial support you need for any project, current or in pipeline

Unlock solutions that flex with the changing needs of your business

With Billd in your toolbelt you can plan for your business on your terms

Pay App Advance^*

Traditional Invoice Factoring

Pricing

Advances up to 100% of the total pay app
less a purchase fee

Advances 70-95% of the total pay app

No wire or transfer fees

$15-$25 Wire and transfer fees

Pay App Advance amount not due until
you've been paid or at 60 days

Pressure for immediate repayment

Relationships

Serviced through the subcontractor
(subcontractor pays Billd)

Serviced through the GC, taking the subcontractor out of the payment chain (GC pays financing company)

No contact with GC during pay period

Ongoing contact with GC throughout the pay period

Has negative connotations and damages reputation

Servicing

Payments and approval as quickly as same-day

Average of 3.4 days to approval

Use on a pay app-to-pay app basis

Must be used for every pay application on a project

*Pricing and product features may vary in the states of California and New York.

Who we work best with

Our financial solutions work best for contracting companies:

Over $2M in annual revenue

Looking to grow

With commercial projects

See what contractors around the country are saying about Billd

"As a growth minded commercial subcontractor, Billd has provided us with the resources we need to manage cash flow while meeting our strategic growth plan. The team is friendly and always works to provide fast service, offers insights into ROI, and other tools that are important to business. Highly recommend it."

Justin Smith, President | Ironsmith Fire

"Our partnership with Billd has proved very beneficial and promising for our cash flow needs. This team understands the unique and difficult place which subcontractors fall on the construction food chain. Billd also implements the needed security in order to make the financing process safe and clear. To top it all off, we have had nothing but pleasant, helpful interactions with the team!"

Lukas Montgomery, Accounts Payable | Miller Paneling

"When I was first introduced to Billd, I didn't know what to expect but their services has helped our company have the confidence and trust to execute various commercial jobs through out the years of working together. Billd's flexibility and terms have helped us operate with more stress free minds. Billd's staff is dedicated to provide the tools and information to all of their clients to grow. I recommend Billd to any subcontractors that are looking to take the next step of doing business with General Contractors."

Carlos Rodriquez, Co-Owner | Z-M Sheet Metal Roofing

A Better Alternative to Factoring