The purchasing power to build what’s next · Get Pre-Qualified →
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Financial infrastructure for construction businesses building what’s next.

Access flexible payment terms across suppliers, preserve working capital, and gain real-time financial visibility across material purchasing, all in one platform built for growing subcontractors and self-performing general contractors.

Subcontractors: Get Pre-Qualified →Suppliers: Join the Network →

$25M+ in supported projects · Built by construction operators and fintech leaders

The payments and credit platform for construction material procurement.

Smart payments and credit for the construction supply chain, bringing growing subcontractors, key suppliers, and general contractors into one connected platform.

How BuildrFi Material Financing Works
1

Place the material order

Order from an existing or new material supplier. BuildrFi reviews the approved purchase in minutes.

2

BuildrFi pays the supplier upfront

The supplier receives full payment upfront and keeps its pricing, terms, and direct customer relationship.

3

Choose how to pay

Repay BuildrFi on the agreed terms, or extend payment up to 12 additional weeks for a fixed financing fee based on the purchase amount.

Subcontractors & Self-Performing GCs

The purchasing power to build what’s next.

Work with the suppliers you trust, build new supplier relationships as your business grows, and preserve working capital for payroll, mobilization, equipment, and larger opportunities.

  • Expand your purchasing powerPlace larger material orders without tying up the cash your business needs to operate and grow.
  • Choose how to payBuildrFi pays the supplier upfront. Repay on the agreed terms or extend payment up to 12 additional weeks for a fixed financing fee based on the purchase amount.
  • Grow with greater visibilitySee supplier bills, payments, upcoming obligations, project activity, and available purchasing power in one place.
Get Pre-QualifiedMore for subcontractors →

Financing Request · Your Offers

28 days
4 weekly payments
Select
42 days
6 weekly payments
Select
56 days
8 weekly payments
Select

Supplier Payment

Order #2214 · Approved purchase
$30,029.00 · Paid in full upfront
Paid
Receivable & credit risk
Moved to BuildrFi
BuildrFi
Material Suppliers

Grow with your customers—without aging receivables.

Keep the pricing, terms, and relationships that make your credit program valuable. BuildrFi pays approved purchases upfront and assumes the receivable and associated credit risk.

  • Paid in full upfrontReceive the full value of the approved purchase upfront.
  • Credit risk moves to BuildrFiSupport larger approved orders without carrying the receivable exposure.
  • The relationship stays yoursYour products, pricing, terms, customer relationship, and next order remain with you.
Join the Supplier NetworkMore for suppliers →
General Contractors

Put BuildrFi behind your trade base.

Help strong trade partners access the materials and financial infrastructure they need to perform, with greater visibility into supplier payments and material readiness.

  • Support material readinessHelp qualified trade partners secure critical materials before they become a project constraint.
  • Give suppliers greater certaintySuppliers receive upfront payment on approved BuildrFi purchases.
  • Strengthen your trade baseGive capable subcontractors another financial tool to grow, perform, and pursue larger opportunities confidently.
Put BuildrFi Behind Your Trade BaseMore for GCs →

Trade Base · Material Readiness

Rivera Electric LLC
Conduit & fixtures order · Supplier paid upfront
On Track
Apex Mechanical
Equipment package · Materials secured
On Track
Coastal Drywall Group
Supplier payments current
Paid via BuildrFi

Know where every project stands.

One live view of bills, supplier payments, projects, and purchasing power, with bank and QuickBooks connections built in. AI-native intelligence turns that data into proactive recommendations.

Dashboard+ Add New
Active Projects Value
$4,951,559
Paid to Date
$3,208,410
Upcoming Payments
$30,029.00 · Materials Financing Payment
1428 Palmetto Ridge · Due Fri, Jul 31
Materials Financing
$12,480.00 · Gulfline Building Supply
Synced from QuickBooks · Due Mon, Aug 3
See Offers
Recommended action · Financing eligiblePreserve operating cash by financing this material purchase while keeping the agreed payment terms.

The BuildrFi Trust Engine.

Live business, project, purchasing, and payment information supports smarter underwriting, clearer financial visibility, and more informed decisions across the construction network.

  • A verified record built from business, project, purchasing, and payment activity.
  • A clearer view of financial and project readiness.
  • A profile that can support future purchasing-power decisions.
  • Project readiness you can demonstrate to suppliers and GCs.

AI-native underwriting and financial intelligence built around live construction-business data.

Get Pre-Qualified →
One output · BuildrFi Score
82Strong
Contributing factors
Project performance
Supplier payment activity
Financial visibility

Insights & Media.

Explore All Insights →
Article

How Trade Contractors Can Overcome Cash Flow Challenges Without Waiting 90+ Days

Why the gap between buying materials and getting paid shapes who can grow, and what to do about it.

Article

Get Ahead of Price Hikes

How buying earlier, with the right payment structure, protects margins when material prices move.

Video

BuildrFi on materials, cash flow, and growth.

Watch the conversation on building financial infrastructure for construction.

Got questions?

How does materials financing work?+
You place a material order with an existing or new supplier. BuildrFi pays the supplier upfront. You repay on the agreed terms, or extend payment up to 12 additional weeks for a fixed financing fee based on the purchase amount.
Can I keep my existing suppliers?+
Yes. Keep the suppliers you trust and add new ones as your business grows. Your pricing and relationships stay yours. BuildrFi handles the financing behind the purchase.
Who qualifies?+
Commercial subcontractors and self-performing general contractors running project-backed work. From growing trade businesses to companies doing tens of millions a year. Underwriting weighs the work itself, so a strong track record counts.
What is the BuildrFi Score?+
The BuildrFi Score is a construction-specific assessment informed by verified financial, purchasing, project, and payment information. It is one output of the BuildrFi Trust Engine, and it can strengthen your standing as your business grows.
How can GCs use BuildrFi across their trade base?+
General contractors can put BuildrFi behind their trade base to help qualified subcontractors access critical materials. Suppliers on approved purchases are paid upfront, while GCs gain greater visibility into material readiness and supplier-payment status.

Put BuildrFi behind your next stage of growth.

Access flexible payment terms across suppliers, preserve working capital, and gain the financial visibility to pursue larger opportunities with confidence.

Get Pre-QualifiedJoin the Supplier Network

General contractors: Put BuildrFi behind your trade base →