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Pay application financing details

Pay App Advance

Get Paid on Your Approved Pay Application

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

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Funding as soon as

24 hrs

Terms up to

60 days

Contact with GC in pay period

0

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

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Pay Application financing designed for subcontractors

Get instant cash buying power

Get instant cash buying power

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

Control your cash flow

Control your cash flow

Bring predictability to your accounts receivable.

Unlock more capital

Unlock more capital

Your credit limits flex with the needs of your business.

Plan with confidence

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.

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Hear about Pay App Advance from the people using it

N

Neal Lavin

President / TLP Construction

Our Partnership with Billd has been a major asset to help scale our company. Billd provides us with the flexibility and capital thats necessary to finance larger projects, that we previously were not able to. This gives us the additional cash flow thats often required for larger projects that a traditional banks do not provide. We utilize Billd to assist with financing materials on projects & advancing payment for work…

Sarah Garcia

Sarah Garcia

Controller / DB Utility Contractors

Pay App Advance has helped to tremendously cut down on receivables time. This has allowed us to pay our bills on time and manage overhead costs with less stress. Pay App Advance has eliminated some cash flow issues that would otherwise keep us from taking on bigger jobs.

Steven Sweeney

Steven Sweeney

Vice President / DJ Construction Group

The whole process is seamless. The pay app program has been a life saver. Best interim financing on the market. So much easier than traditional banks. Billd is an awesome partner.

See how our customers are using Billd →

How Pay App Advance works

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

1
Enroll with Billd

Enroll with Billd

2
Enter or select your project

Enter or select your project

3
Upload your approved pay application

Upload your approved pay application

4
We'll confirm and you'll get the money in your account

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

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Pay App Advance vs. Traditional Invoice Financing

CategoryPay App AdvanceTraditional Invoice Financing
PricingAdvances up to 100% of the total pay app less a purchase feeAdvances 70–95% of the total pay app
No wire or transfer fees$15–$25 wire and transfer fees
RelationshipsServiced through the subcontractor (subcontractor pays Billd)Serviced through the GC, taking the subcontractor out of the payment chain
No contact with GC during pay periodOngoing contact with GC throughout the pay period
ServicingPayments and approval as quickly as same-dayAverage of 3.4 days to approval
Use on a pay app-to-pay app basisMust be used for every pay application on a project

*Pricing and product features may vary in the states of California and New York.

FAQ

Frequently Asked Questions

What is Pay App Advance?
Pay App Advance is Billd's pay application financing 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.
What are the benefits of using Billd's Pay App Advance product?
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.
How does Pay App Advance with Billd work?
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.
How is Pay App Advance different from factoring?
Unlike traditional invoice financing, Pay App Advance advances up to 100% of the total pay app less a purchase fee (vs. 70–95% with traditional factoring), has no wire or transfer fees, is serviced through the subcontractor (not the GC), has zero contact with your GC during the pay period, and offers same-day approval. Traditional factoring requires the GC to pay the financing company directly, disrupting the subcontractor-GC relationship.