For Subcontractors

Financial Solutions Built for Subcontractors

From material purchases to pay apps, Billd gives you the working capital to take on more projects, protect margins, and grow your business.

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How we help

Cash flow that works the way you work

Align payments with project cash flow

Stop fronting material costs or waiting on slow GC payments. Billd structures financing around when you actually get paid.

Win more work with confidence

Bid larger projects knowing you have the working capital to staff jobs, buy materials, and keep crews on site.

Strengthen supplier relationships

Pay suppliers on time—or let Billd pay them upfront—so you can negotiate better pricing and keep projects moving.

Built for commercial construction

Over $1B financed for 1,500+ subcontractors. Products designed for the realities of subcontracting, not generic small-business lending.

Products

Subcontractor-focused solutions

Explore Billd products designed for commercial subcontractors—from 120-day material terms to pay app advances and flexible lines of credit.

Material Financing

Unlock up to 120-day terms on material purchases from any supplier. Billd pays your supplier upfront so you can align material costs with project cash flow.

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Pay App Advance

Get paid on your approved pay application today—up to 100% of your pay app, minus a purchase fee—while your GC relationship stays intact.

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Turner APP powered by Billd

Accelerated payment on Turner projects with 120-day terms on materials and streamlined pay app advances built for Turner subcontractors.

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Flex Line

A revolving line of credit up to $350K designed for how subcontractors operate—cover labor, materials, and overhead with funding in as little as 24 hours.

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