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.

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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

The contractors we support are scaling smarter—funding project costs with strategic capital, not personal cash. 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

You already know how to run your business. Billd helps you scale it.

Billd products are designed for the unique needs of construction companies

Real subs.
Real strategy shifts.

Hear how material financing helps contractors grow without tying up retained profits in working capital.

“This is the best program for construction. Over 10 years in business and I am very happy to have found a solution that really improves project cash flow. I can now get materials to keep building while I wait for the project milestone payments. Excellent source for the construction industry because of the 120 days term. Highly recommended.”

Michael Lakna, Co-Founder | PV Guru

"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

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.