WHO WE REFER TO · MATERIAL FINANCING AND WORKING CAPITAL
BILLD, AND WHERE IT FITS.
QUICK ANSWER
Pays your material supplier up front so a material package stops coming out of your own cash. SPM refers contractors to Billd and is paid nothing for it: no fee, no commission, no revenue share. There's also nothing extra in it for you for coming through us, so this is a recommendation rather than an offer. A subcontractor buys material weeks before the work bills and months before it collects. On a job with a heavy material package that stretch of time is the single largest draw on working capital a sub has, and it has nothing to do with whether the job is profitable.
The useful half of any referral is knowing when it's the wrong answer, so that list is on this page at the same weight as the right one. Read both before you call anybody.
Material financing with pay-when-paid terms up to 120 days, funding in as little as 24 hours
Pay App Advance, which advances against a submitted pay application rather than waiting on the general contractor
Flex Line, Predictable Pay, and 120 day payment terms
Works with any supplier in the country, and pays the supplier direct with material delivered to the jobsite
SERVES: SUBCONTRACTORS, GENERAL CONTRACTORS AND SUPPLIERS IN COMMERCIAL CONSTRUCTION. NO REVENUE MINIMUM IS PUBLISHED.
WHEN IT FITS
THE CASE FOR IT.
The material package is large relative to your monthly cash, and the supplier wants payment long before the GC pays you
You have the work and the margin, and the only thing standing between you and taking it's funding the front end
Your line of credit is fully drawn or is needed for payroll rather than material
WHEN IT DOES NOT
THE CASE AGAINST IT.
Nobody publishes this part, which is the reason it's worth reading. A vendor that fixes the wrong problem costs you the fee and the time, and leaves the real problem where it was.
The job doesn't carry the margin to absorb a financing cost. Financing a job that was bid too thin makes a loss bigger and later, not smaller
The real problem is billing speed or collections. Money you're already owed is cheaper than money you borrow, and it's usually the first place to look
You can't say what the job is costing right now. Borrowing against a number you can't see is how a cash problem becomes a debt problem
WHAT WE CAN VERIFY
FACTS, WITH SOURCES.
Read from Billd's own material and from independent sources on 10 August 2026. Anything that couldn't be established is absent from this page rather than softened into a claim.
Founded 2018 in Austin, Texas, by chief executive Chris Doyle
Passed $1B in total material purchases financed by 2023, their own figure
$100M debt facility from LL Funds in November 2022, and a $7.3M raise in November 2025 led by MissionOG
Pricing. Not published. Billd prices against the project and the credit profile, so there's no rate card to quote and this page doesn't invent one.
No. No fee, no commission, no revenue share, nothing. Josh refers contractors to Billd because the problem they solve is a real one and SPM doesn't solve it, and that's the whole of the arrangement. There's also nothing extra in it for you: a contractor who calls them direct gets the same terms as one Josh sends, so treat this page as a recommendation rather than an offer.
Pays your material supplier up front so a material package stops coming out of your own cash. A subcontractor buys material weeks before the work bills and months before it collects. On a job with a heavy material package that stretch of time is the single largest draw on working capital a sub has, and it has nothing to do with whether the job is profitable.
Billd doesn't publish pricing, so this page doesn't quote any. Ask them directly, and ask what the all-in cost is rather than the headline number. Anybody quoting you a specific Billd rate they read on a website is quoting something that was never published.
The job doesn't carry the margin to absorb a financing cost. Financing a job that was bid too thin makes a loss bigger and later, not smaller The real problem is billing speed or collections. Money you're already owed is cheaper than money you borrow, and it's usually the first place to look
It's who Josh sends people to, and it's not an exclusive arrangement in either direction. Look at the alternatives, and use the fits and does-not-fit lists on this page as the questions to ask whoever you talk to. A referral is a starting point rather than a decision.
Former commercial project manager and master electrician: 150+ projects worth $2.1B combined, from $50,000 to $300M. Now fractional CFO to commercial subcontractors.
Twenty minutes on your numbers. Sometimes the answer is a vendor and sometimes it's that the money is already in the business and nobody can see it. Josh will tell you which.
You don't hire a CFO because it's safe, you do it because the real risk isn't having one.
