Yellowpay vs Billd
Short version: this is the comparison where the fine print matters most, because Billd and Yellowpay both say “120 days” — but they sit on opposite sides of the transaction. Billd is contractor financing: your buyer applies, uploads their GC contract, borrows against the project, and pays Billd’s fees and weekly payments. Yellowpay is supplier trade credit: you offer the terms under your brand, we fund 100% of the invoice within 2 business days, and there’s no loan application or project paperwork standing between your buyer and the purchase.
| Yellowpay | Billd | |
|---|---|---|
| Who’s the customer | The supplier — you offer terms as part of your sales motion | The contractor — they apply for project-based financing to buy from any supplier |
| Max terms | NET-120 | Up to 120 days (or when the contractor is paid by the GC, whichever comes first) |
| Supplier paid | Within 2 business days, whole invoice funded — often the same day | Upfront, in cash, when Billd approves the purchase — often same day |
| Who pays the cost | You pay one flat rate per funded invoice; your buyer sees clean terms | The contractor pays — Billd’s public materials cite a purchase fee (~2%) plus weekly finance charges (standard pricing around 2.99%/month, varies with credit) |
| What the buyer experiences | Instant approval at purchase, one due date, your brand on the terms | A financing application per project: contract upload, quote submission, approval, then weekly repayments to Billd |
| Credit risk | Non-recourse — an approved buyer’s default is ours | Billd carries the contractor’s credit risk; the supplier is paid upfront either way |
| Industry focus | Vertical specialist — solar & data center construction supply (milestone billing, retainage, tax-credit timing underwritten), plus consumer packaged goods and durable goods | Commercial construction subcontractors, horizontal across trades |
| AR automation | Invoicing, reminders, collections, reconciliation included | Not the product — Billd replaces the receivable rather than managing it |
Competitor details verified against Billd’s public documentation on the last-updated date. Tell us if something’s stale: contact.
The real difference: whose product is it?
Billd solved a real problem, and solved it well: subcontractors get NET-30 from suppliers but wait 60–120 days for GC payment. Their answer is to lend to the contractor. That works — but from a supplier’s seat, it means the terms are something your buyer has to go get, project by project, with paperwork, and at a cost the buyer visibly carries. Some of your buyers will do that. Many won’t, and they’ll ask you for extended terms instead — which puts you right back where you started.
Yellowpay flips the direction: the extended terms are your offer. NET-120 becomes part of your quote, your brand, your reason to win the order over the distributor across town. The buyer gets an instant decision instead of a per-project loan application, and the cost is a flat rate you control and can price into the deal. For solar EPCs and data center electrical contractors — buyers making repeat six-figure equipment purchases, not one-off project buys — a standing credit line under your brand beats a project loan they have to re-apply for.
When Billd is the better choice
Honesty clause — every comparison page on this site has one. If you’re a contractor reading this: Billd is built for you, not for your supplier, and it’s a strong option when your supplier won’t extend terms — it works at any supplier in the U.S. and includes pay-app advances, which we don’t offer. For suppliers: if your customers are small subcontractors making occasional one-off purchases across many trades, and you’d rather not put a financing offer in your own sales motion at all, pointing them to Billd costs you nothing. And Billd’s project-based underwriting (contract-secured, pay-app-aware) can reach deeper into a single project’s risk than a standing trade credit line is designed to.
Can Yellowpay and Billd coexist?
Yes, and in practice they do. Some of your buyers will bring their own Billd financing — you get paid upfront either way. Yellowpay is for the rest: the buyers who expect terms from you and will buy from whoever offers them.
My buyers already ask about Billd. Doesn’t that solve my problem?
It solves your DSO on the orders where the buyer goes through with a financing application. It doesn’t give you a terms offer to sell with, and it hands the buyer relationship’s financing layer to a third party whose cost the buyer sees on every purchase.
Why does it matter who pays the fee?
Pricing psychology and control. When the buyer pays visible weekly finance charges, extended payment reads as debt. When you offer NET-120 at a flat rate you’ve priced into your margin, it reads as terms — the way trade credit has always worked in construction supply.
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