Pay App Advance

Turn your approved pay apps into working capital—on your timeline.

For subcontractors tired of unpredictable receivables, Billd turns your approved pay apps into strategic capital—so you can keep projects moving, payroll flowing, and growth plans on track.

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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

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

Driving proactive financial strategy to protect margins

Wanting to maintain strong cash flow while scaling

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

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

Pay App Advance^*

Traditional Invoice Financing

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

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

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.

Built for the unique needs of commercial subcontractors

Hear about Pay App Advance from the people using it

"The whole process is seamless. The pay app program has been a lifesaver. Best interim financing on the market. So much easier than traditional banks. Billd is an awesome partner."

Steven Sweeney, Vice President | DJ Construction Group

"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."

Sarah Garcia, Controller | DB Utility Contractors

"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

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?