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Predictable Pay

Predictable Pay

Turnkey early pay programs
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Predictable Pay

General Contractors

Make subcontractor early payments your competitive advantage

Billd Predictable Pay helps subs strengthen their cash flow, allowing GCs to strengthen margins, reduce risk, and ensure consistent project delivery.

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Predictable pay delivers millions in additional returns for general contractors

General Contractors are discovering that adopting predictable pay is a high-impact, low-effort initiative that delivers immediate cash returns while significantly benefiting their subcontractors.

With predictable pay, GCs are realizing returns of $1M to $2.5M for every $500M in subcontractor spend—a level of return unmatched by other short-term initiatives.

Hear about Predictable Pay from the people using it

“Billd has truly moved the needle on our early pay programs adoption, something we’ve been striving for. They’re not just running the program — they’re fundamentally improving how we support our trade partners.”

Chai Nakka | Vice President and Treasurer, Turner Construction

quantifying risk in the supply chain

When subcontractors struggle with cash flow, GCs feel the impact:

  • Higher sub default rates
  • Weak project performance and costly delays
  • More expensive bids and lower-quality work
  • Risk to margins, schedules, and reputation
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Introducing Billd Predictable Pay

Predictable payments,
managed for you

Billd handles the entire program—from onboarding and education to technology and ongoing support—so your team doesn't take on extra work.

Flexible capital
structure

Choose the funding mix that fits your business—your capital, outside funding, or a hybrid. We’ll tailor the program to optimize cash flow and revenue.

Seamless integration
with how you work

Keep your current pay app review and approval process. You choose which invoices or subcontractors are eligible—no new systems, no workflow disruptions.
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Keys to a successful early pay program

Embracing early pay is the first step. The real results come from how you execute. These two keys separate successful programs from those that stall:

1

Subcontractor adoption

The program’s success depends on subs using it. Adoption starts with the right playbook: identify the subs most likely to leverage early pay, prioritize outreach, and provide clear, trusted content, such as videos, calculators, and FAQs. Most importantly, having people speak to your subs who understand construction and can address real working capital challenges.

2

Funding flexibility

While early pay can generate strong returns on idle cash, a successful program requires shifting from a short-term view of idle cash to a long-term view of cash flow needs. Cash priorities change over time, so your program needs flexibility — from self-funding to third-party capital — to ensure liquidity as adoption grows and your own cash requirements evolve.

Financial and operational gains

Significant returns

Boost project margins, increase profitability, and strengthen financial performance by capturing discount revenue. This is achievable when leveraging your own capital or when receiving rebates with third-party funding.

More competitive bids

Offering early payment options to your subcontractors can lead to more competitive bids for your projects, since subcontractors are eager to work with GCs who let them control when they get paid. This results in better pricing and ultimately makes your bids more attractive to project owners.

Reduced risk

Fewer subcontractor defaults, lien filings, and project delays help protect schedules, avoid costly liquidated damages, and safeguard both your company’s reputation and future opportunities.

Healthier supply chain

Stronger subcontractors mean more consistent delivery, fewer disruptions across projects, improved reliability in your pipeline, and greater confidence in meeting client expectations.

Stronger GC-sub relationships

Build loyalty with subcontractors, secure best-in-class return partners, create long-term alignment on projects, and enhance the quality of your working relationships.

Provide real value to DBE subcontractors

Offer a program that delivers DBE businesses meaningful access to low-cost cash, helping them strengthen working capital, broaden their capacity, and better participate in your projects.

Why partner with Billd?

  • We're trusted leaders in construction finance, with $1B+ financed for 1,500+ subcontractors.
  • A proven platform built for construction payments, trusted and reliable for seamless adoption.
  • Safe-space engagement where Billd handles financial conversations with subcontractors, driving higher participation.
  • Our success is your success. We partner with you every step of the way to ensure proper implementation and execution.
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Early pay sets you apart and secures your future

We will educate you on how early pay works, the value it creates for your business and subcontractors, and align your internal teams on critical success factors. We help you build the business case for early pay and provide insights into what makes a successful program.

This is a true partnership with General Contractors that improves how payments move through construction and delivers real value to all participants.

Start building stronger subcontractor relationships, improving project outcomes, and creating a new revenue stream for your business.

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