← Subcontractor Cash Flow Planner
Subcontractor Cash Flow Planner vs. Billd Material Financing
Billd is a real financing product for commercial subcontractors: it pays your material supplier directly and lets you repay Billd over up to 120 days — or whenever your GC pays you, whichever comes first — subject to credit approval. This calculator is not a lender. It is a free page that answers the question you would want answered before applying anywhere: does this project actually create a funding gap, how big is it, and what would it cost to carry?
What each one actually is
| Question | Billd | This calculator |
|---|---|---|
| What is it | A financing company: it pays your supplier, you repay Billd on terms. | A free, static calculator. No lending, no account. |
| Does it lend money | Yes, real credit, subject to underwriting and approval. | No. It is arithmetic on the numbers you type in. |
| Published cost | Standard fee of 2.99% per month on the amount financed, plus a 2% purchase fee typically offset by a supplier cash discount; no monthly or annual account fee; no penalty for paying early. | Free. You choose the borrowing rate to model — the calculator does not set or charge one. |
| Eligibility | Published minimums for its term-loan/credit-line products: $100,000+ annual revenue, 1+ year in business, 625+ credit score. | None. No revenue minimum, no credit check, no account. |
| Setup | Online enrollment in about 5 minutes; approval in as little as 24 hours, per Billd. | Instant — open the page and type numbers. |
| What it covers | Financing the material purchase itself, for up to 120 days. | Deposit timing, retention, supplier terms, weekly burn, and a chosen borrowing rate — the full shape of the gap, not just the materials line. |
| Where your data goes | Business and credit information submitted for underwriting. | Nowhere. Runs in your browser; nothing is uploaded. |
Facts on Billd sourced from Billd's own material financing, finance-charge estimate, and FAQ pages. Verify current terms directly with Billd before relying on any of them — pricing is subject to credit approval and may change.
Using them together
This calculator's own default scenario — a $10,000 invoice, $2,500 in materials, $700/week burn, net-30 terms, 10% retention, and a 14-day late-payment buffer — produces a $1,900 funding gap. At a 12% borrowing rate the calculator prices carrying that gap at about $6.25. Billd's published standard fee, 2.99% a month, works out to about 35.9% if you annualize it by simple multiplication (2.99 × 12). Typing that figure into the “Rate on money you borrow to bridge” field here prices the same $1,900 gap at roughly $18.68 — a rough translation of Billd's monthly rate into this calculator's field, not a quote from Billd. Billd's real fee applies to the material purchase amount over its own weekly repayment schedule, not to this calculator's day-by-day shortfall model, so treat the $18.68 figure as a way to compare orders of magnitude, not as what Billd would actually charge you.
The two tools answer different halves of the same decision. This calculator tells you whether a gap exists and roughly what it costs to carry at any rate you enter — useful before you apply anywhere. Billd is one real way to actually close a materials-funding gap once you know it is there and decide financing is worth its published fee.
Size your own gap firstCommon questions
Does Billd replace this calculator, or does this calculator replace Billd?
Neither — they answer different questions. Billd is a construction-material financing company: it pays your supplier directly and lets you repay Billd over up to 120 days, or whenever your GC pays you, whichever is sooner, subject to credit approval. This calculator does not lend anything. It is a free, no-account page that tells you whether a project creates a funding gap in the first place, how big it is, and what it would cost to carry at a rate you choose. Knowing the size and cost of the gap is useful before deciding whether financing it — through Billd, a bank line, or your own cash — is worth it.
What does Billd cost, and can I model that cost here?
Per Billd's own published pricing, its standard fee is 2.99% per month on the amount financed, plus a 2% purchase fee Billd says is typically offset by a supplier cash discount, with no monthly or annual account fee to enroll and no penalty for paying early. 2.99% a month works out to about 35.9% if annualized by simple multiplication (2.99 × 12) — not a quote, since Billd's real pricing is credit-based and applies to its own weekly repayment schedule rather than this calculator's day-by-day shortfall model, but close enough to type into the “Rate on money you borrow to bridge (APR %)” field here to see roughly what carrying your own gap at a similar rate would look like.
Who can actually use Billd?
Billd's published minimums for its term-loan and credit-line products are $100,000+ in annual revenue, at least one year in business, and a 625+ credit score, and enrolling means submitting business and credit information for underwriting — about five minutes online, with approval in as little as 24 hours per Billd. This calculator has no eligibility bar at all: no revenue minimum, no credit check, no account, because it doesn't extend credit — it does the arithmetic on numbers you type in, and nothing you enter leaves your browser.
Is this page affiliated with Billd?
No. This site is not affiliated with, endorsed by, or sponsored by Billd, LLC. BILLD and the BILLD logo are trademarks of Billd, LLC, named here only to describe a real financing service this calculator's output can help you evaluate.