Pay App Advance
Approved Pay Apps funded as soon as 24 hours—no workflow changes required
- Payment as soon as 24 hours
- No GC contact in term
- Terms up to 60 days
You’ve already earned it. Why wait?
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Billd’s Pay App Advance is designed specifically for businesses like yours
Subs wait an average of 56 days to get paid—leaving them to cover payroll, vendors, and overhead out of pocket just to keep projects moving.
Billd advances funds on your pay apps as soon as they’re approved—so you can unlock earned revenue faster, protect cash reserves, and stay liquid through every phase of the project.
Pay App Advance gives you the financial flexibility to keep growing, without waiting on your GC’s payment schedules.
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
Driving proactive financial strategy to protect margins
Wanting to maintain strong cash flow while scaling
How Pay App Advance works
The Billd portal makes submitting a pay app and getting paid simple.
1
Set up your account with your Billd rep
2
Upload your approved pay app
3
Choose when you want your funding
4
Pay us when you’re paid or at 60 days, whichever comes first
You’ve already earned the money. Why wait to access it?
Turn your receivables into reliable working capital—with Billd.
Construction-specific financing that makes sense for your business
less a purchase fee
(subcontractor pays Billd)
Built for the unique needs of commercial subcontractors
- Convert completed work into predictable accounts receivable
- Prepare for your next project with working capital coverage
- Reduce payroll stress and keep crews on the job
- Flexible credit limits that match your project volume
- Know your financial position—with access to credit beyond traditional lenders
Hear about Pay App Advance from the people using it
Controller
“Pay App Advance has helped to tremendously cut down on receivables time. This has allowed us to pay our bills on time and manage overhead costs with less stress. Pay App Advance has eliminated some cash flow issues that would otherwise keep us from taking on bigger jobs.”
CEO
"Billd has eliminated our problems with funding completely. We’ve been able to keep all of our projects on schedule with no delay, and we’re finishing our projects faster than when we were just using vendor credit. And the staff at Billd is fantastic. They’ve made the whole process very smooth and easy for us."
Controller
"Our partnership with Billd started over a year ago, and we have been extremely pleased with the overall experience. As a new construction company, Billd has made it possible for us to fund large projects from the start. Their customer service team is top-notch and responds quickly to any questions or concerns we may have. I would recommend Billd to any company, established or new. The online portal is very user-friendly and simplifies the process. Highly recommend."
Pay App Advance is used on projects run by America's biggest GCs
Frequently Asked Questions
What is Pay App Advance?
Pay App Advance is a financial solution that helps contractors unlock the money they’ve already earned and get paid on up to 100% of their pay app, minus a purchase fee.
Here’s how it works: (1) Submit your approved pay application (2) After confirming the pay application with the GC, Billd pays you directly for up to 100% of your pay application, minus a purchase fee (3) The GC pays you directly for the pay application and (4) you’ll make small, predetermined weekly payments until you’ve been paid by your GC, or 60 days, whichever comes first.
What are the benefits of using Billd’s Pay App Advance product?
- Contractors can cover their biggest expenses and meet immediate business needs.
- Pay App Advance stabilizes cash flow and brings predictability to accounts receivable.
- There is zero contact with the GC within the term aside from a confirmation of good standing call. All product servicing happens through the subcontractor. This ensures that the relationship between the subcontractor and GC remains intact, and undisturbed.
- Contractors can get up to 100% of the value of their pay app, minus a purchase fee.
- There are no hidden fees and pricing is transparent.
How does Pay App Advance 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 approved pay app and provide the date you are requesting payment (we offer up-to same-day approval and payments).
3. We will confirm your pay application with the general contractor and prepare to deliver funds.
4. You’ll make small, predetermined weekly payments until you’ve been paid by your GC, or within 60 days, whichever comes first.
How is Pay App Advance different from factoring?
less a purchase fee
(subcontractor pays Billd)