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Pay App Advance

Access Project Payments on Your Timeline

Get paid on your approved pay applications.
No workflow changes required.

Funding as soon as
0 hrs
Terms up to
0 days
Contact with GC in pay period
10

Pay App Advance can help you overcome slow, unpredictable payment cycles

A capital solution designed for the unique needs of construction

Get instant cash
buying power

Access project payments to meet the immediate needs of your business.

Control your
cash flow

Bring predictability to your accounts receivable.

Unlock more
capital

Your credit limits flex with the needs of your business.

Plan with
confidence

Bid more projects knowing your future financial position.

Learn more about how Billd and Pay App Advance can bring stability to your cash flow

Fill out the form to connect with a Billd representative.

Hear about Pay App Advance from the people using it

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How Pay App Advance works

The Billd portal makes submitting a pay app and getting paid simple. Enroll today in less than 5 min.

Enroll with Billd

Enter or select your project


Upload your approved pay application


We'll confirm and you'll get the money in your account


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.

Frequently Asked Questions

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.

  • 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.

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.

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.