Billd 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, delivering immediate cash returns. Early pay programs, used for decades in other industries, are now changing the game for GCs by increasing margins and minimizing risk, all while significantly benefiting their subcontractors.
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
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
Early pay isn’t new. In fact, there is a long history of early pay as a competitive lever in other markets. They emerged in response to a common challenge: How can companies manage the timing of payments between those who buy goods and services, and those who provide them?
Find out how the construction industry is adopting the model.
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.
Learn how Billd and Predictable Pay can help you build a more efficient supply chain and unlock margin growth
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Keys to a successful early pay program
Embracing the idea of early pay is the first step. The real results come from how you execute an early pay program. Here are the keys to early pay implementation success that separate successful programs from those that stall.
1
Establish clear objectives & timing
Without clear objectives and timing, programs often drift, adoption stalls, and leadership struggles to determine whether the program is succeeding or falling short. Learn more about the importance of establishing clear objectives and timing to measure your early pay program’s success.
The right funding strategy doesn’t just support operations; it determines scalability, risk exposure, and overall financial performance. Understand the types of funding strategies available for early pay programs to determine what might be the best fit for you.
The gap between a well-structured program and a high-performing one is almost always subcontractor adoption. Discover what you need to encourage subcontractors to start using your early pay program—and keep using it consistently.
GC early pay programs rarely fall short solely because of strategy. They typically struggle when foundational invoice processing elements are inconsistent. Use this guide to evaluate whether your internal processes are ready to support an early pay program.
General contractors can operate an early pay program internally or partner with a third party to share the responsibilities that come with managing an early pay program. Before deciding on a partner to manage your early pay program, here’s what you need to consider.
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.
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.
Predictable Pay is an early pay program powered by Billd that gives subcontractors access to faster payments on approved invoices—as quickly as the next business day. The program is designed to accelerate payment to subcontractors ahead of the standard payment timeline. Depending on the funding model chosen, the GC may pay subcontractors directly and early (self-funded), have a third-party funder pay subcontractors early while the GC pays that funder at invoice maturity (third-party funded), or use a combination of both (hybrid).
Why should general contractors offer this program?
Predictable Pay offers multiple benefits:
Improved margins: General contractors generate revenue through the early pay fee—either by retaining the full fee in a self-funded model or receiving a rebate in a third-party funded model. Early pay programs are designed to improve GC margins by building a more efficient supply chain.
Reduced project risk: Subcontractors with healthier cash flow are better able to keep crews on the job, purchase materials on time, and avoid delays, directly protecting your project schedule.
Competitive differentiation: GCs who offer early pay programs become the contractor of choice for subcontractors who value financial predictability. This is increasingly a differentiator when building your preferred subcontractor network.
Industry trajectory: An estimated 70% of the Global 2000, including Boeing, Ford, Walmart, and Caterpillar, have deployed early pay programs in their supply chains. Construction is catching up, and early adopters gain a first-mover advantage.
What is required from us to launch the program?
The implementation lift for the GC is minimal. Billd handles onboarding, the subcontractor portal, payment processing, and support. Your primary responsibility is to load approved invoices into the platform so that subcontractors can see them and elect early payment. Billd will work with your team to define the invoice upload process during setup.
What does this cost us as the GC?
There is no enrollment or platform cost to the GC. In fact, the program is designed to generate margin for the GC:
Self-funded model: The GC receives the full early payment fee paid by the subcontractor, generating a meaningful return on the cash deployed.
Third-party funded model: The GC receives a rebate—a portion of the early payment fee—without deploying any of its own cash. The return is somewhat lower than self-funding, but the GC earns revenue from simply uploading approved invoices.
In both cases, the fee is paid by the subcontractor in exchange for the benefit of receiving funds sooner.
How do subcontractors sign up?
Subcontractors register directly through the Predictable Pay portal. The process takes only a few minutes. Existing Billd customers can use their current credentials—the Predictable Pay menu item will become available upon registration.
How do we get started?
Contact Billd to begin the implementation process. We’ll work with your team to configure the portal, define the invoice upload workflow, and prepare communication materials to introduce the program to your subcontractors.