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Billd
Cranes over a commercial construction site

Flex Line

A line of credit you can actually use

Use Flex Line as a daily tool alongside your traditional line of credit – built for subcontractors and created to preserve cash through unpredictable payment cycles.

Talk to our team

Flex Line eligibility is subject to application, credit review, and approval. Terms, conditions, and restrictions apply.
This content is not intended as legal or financial advice. Please review all loan agreements and consult an attorney to determine if Flex Line is right for your business.
Loans made by Cross River Bank, Member FDIC. This is not a deposit product.

$1B+

Fundsto subcontractors

80%

of Engineering News-Record(ENR) Top 100 GCs

8K+

Subcontractors & suppliersusing Billd

11.5K+

Number ofprojects funded

$300B+

Value offunded projects

How Flex Line works, in practice

It's Wednesday. You're still waiting to get paid, and expenses are due Friday. Sound familiar? Request a draw from Flex Line and keep your cash where you need it most.

No cost if you don't use it

Easily draw and pay back

Not tied to a single project

Literally the simplest and easiest line of credit you'll ever use

Made to work alongside your traditional line of credit.

Keep your traditional line for long-term plans. Flex Line works as another tool for funds: there's no fee to keep it open, so you’re ready for whatever the week calls for.

Let's talk.

Your information is safe and secure

Why Billd

At Billd our products are created specifically for subcontractors. We understand construction; it's the only industry we serve. Every solution is designed to champion the subcontractor, focused on how construction businesses actually operate.

FAQ

Frequently asked questions

How does Flex Line work?
You apply through the Billd portal. Once your line is approved and set up, you can request funds in the portal and make payments to bring the balance down. As you pay it down, that credit is available again.
What can Flex Line be used for?
Ordinary business expenses, such as labor, materials, overhead or vendor payments. It isn't project-specific. Restrictions apply.
How is Flex Line different from Material Financing or Pay App Advance?
Material Financing pays your supplier for a specific material order. Pay App Advance gets you paid on a specific approved pay application. Flex Line isn't tied to a project, so it can cover everyday operating costs. Many subcontractors use more than one.
How is my line size set?
We only work with commercial construction, so we understand where you've been and where you're going. Line size is based on your business financials and history.
Who qualifies for Flex Line?
All we do is work with subcontractors, so we understand your business. We qualify based on several factors of creditworthiness specific to the construction industry. Flex Line is built for commercial subcontractors with $4M+ in annual revenue. The line is subject to application, credit review, and approval. Residential-only contractors aren't eligible.
How does repayment work?
While you carry a balance, you pay weekly finance charges plus a monthly principal payment, as set out in your agreement. There's no prepayment penalty.
Are there fees to keep the line open if I'm not using it?
No. You only pay when you use it. There are no fees on unused funds, so you can keep the line open.
See all Flex Line FAQs →

Loans made by Cross River Bank, Member FDIC. This is not a deposit product.

Ready to start using Flex Line?

Talk to our team

Flex Line eligibility is subject to application, credit review, and approval. Terms, conditions, and restrictions apply.
This content is not intended as legal or financial advice. Please review all loan agreements and consult an attorney to determine if Flex Line is right for your business.
Loans made by Cross River Bank, Member FDIC. This is not a deposit product.