Material Financing

Protect your cash. Never come out of pocket for materials.

We pay your suppliers upfront. You get cash discounts and flexible terms made for construction.

Funding as soon as

0 hrs

Terms up to

0 days

Suppliers paid to date

1000 +

Billd makes it easy to buy materials upfront

A capital solution designed for the unique needs of construction companies

Get instant cash
buying power

Gain leverage to negotiate with suppliers and secure better pricing.

Control your
cash flow

Pay for materials over time with up to 120-day terms.

Unlock more
capital

Your credit limits flex with the needs of your business.

Plan with
confidence

Bid more projects knowing your future financial position.

Strengthen supplier
relationships

Suppliers get paid upfront while you secure cash discounts—without using your own cash.

Learn how Billd and material financing can strengthen your supplier relationships and help stabilize your cash flow

Fill out the form to connect with a Billd representative.

Hear about material financing from the people using it

Neal Lavin

President / TLP Construction

Our Partnership with Billd has been a major asset to help scale our company. Billd provides us with the flexibility and capital thats necessary to finance larger projects, that we previously were not able to. This gives us the additional cash flow thats often required for larger projects that a traditional banks do not provide. We utilize Billd to assist with financing materials on projects & advancing payment for work that is completed. This significantly increases our cash flow & working capital, and has allowed us to scale our company . Both Lanham Crouch & Corey Stepanek with Billd have been great to work with and are VERY PROACTIVE to assist with any of our needs. TOP NOTCH GUYS to work with! Great partnership overall to say the least. Highly recommend!

Mark Frederick

CEO / CitiGreen

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.

Michael Herndon

Principal / StruktureOne Group

Having Billd in our corner made us more bullish on chasing projects. It made our lives a lot easier as far as being able to better manage cash flow on certain jobs.

Dave Eisenhower

Financial Manager / Plumb-Tech

The longer timeframe Billd offered was super useful. They made everything much smoother; with less pressure to make material payments in 30 days, we can focus on the work that matters. Billd came at a crucial time in our growth. We don't have to live in survival mode anymore. Without Billd, I don't think we'd have been able to weather any type of storm. It’s been a vital part of our business.

See how our customers are using Billd

Using Billd is easy

The Billd portal makes submitting your material purchases simple. Enroll today in less than 5 minutes.

Enroll with Billd

Enter or select your project 

Upload your material quote

The materials are delivered directly to your job site

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.