# Billd: Working capital built for commercial construction.

> Billd helps commercial subcontractors cover upfront material and project costs and manage cash flow while general contractors pay slowly — with financing and payment products aligned to the construction payment cycle. Billd also gives general contractors turnkey early-payment programs for their subcontractors.

Billd is a construction fintech (founded 2018, HQ Austin, TX) that provides working capital built for the commercial-construction payment cycle, positioning as a technology and payments company rather than a lender. Its products help subcontractors get materials and cash now and pay when their GC pays, and help general contractors accelerate payments to their subs.

## Products
- [Material Financing](https://billd.com/contractor-materials-financing/) - Billd pays your supplier upfront; get up to 120-day terms to pay Billd back, matching the construction payment cycle
- [Pay App Advance](https://billd.com/pay-app-advance/) - Unlock cash from an approved pay application immediately — up to 100% of its value, before the GC releases funds
- [Flex Line](https://billd.com/flex-line/) - Revolving line of credit for commercial subcontractors; draw for any business expense (available in select states)
- [Predictable Pay](https://billd.com/predictable-pay/) - Turnkey early-payment program general contractors offer to their subcontractors
- [Turner Accelerated Payment Program Powered by Billd](https://billd.com/turner/) - Accelerated payment for Turner Construction trade partners on Turner projects

## Resources
- [Resource Center](https://billd.com/resources/) - Guides, videos, templates, and tools for subcontractors
- [Blog](https://billd.com/blog/) - Industry insights, financial strategies, and construction business advice
- [Glossary](https://billd.com/glossary/) - Construction and finance terminology explained
- [Calculators](https://billd.com/calculators/) - Material quantity and cost calculators

## Tools
- [Mechanics Lien Deadline Calculator](https://billd.com/mechanics-lien-deadlines/) - Calculate state-by-state mechanics lien filing deadlines
- [Cash Flow Estimator](https://billd.com/contractor-estimating-calculator-cash-flow/) - Model your construction project cash flow
- [Payment Estimator](https://billd.com/estimate/) - Estimate your Billd payment schedule

## State Lien Guides
- [Mechanics Lien Guides](https://billd.com/mechanics-lien-resource-hub/) - Hub for state-by-state mechanics lien deadlines and filing procedures

## Company
- [About Billd](https://billd.com/about/) - Our story and mission
- [Team](https://billd.com/team/) - Meet the Billd team
- [Careers](https://billd.com/careers/) - Join the Billd team
- [Contact](https://billd.com/contact/) - Get in touch

## Optional
- [Sitemap](https://billd.com/sitemap.xml)