The GC or commercial owner has the work. You have the invoice. They pay in 30, 60, 90 days — and Friday payroll does not wait. Advance that unpaid bill so cash hits the shop now, while the receivable is still sitting.
BuildOs Pro · Get paid now
Contractor cash · all 50 states · inside BuildOs Pro
You already earned it.
Why wait months?
In this economy, an unpaid invoice is not a paperwork problem — it is payroll, materials, and whether you can take the next job. The work is done. The bill is sitting. BuildOs Pro puts eight cash options on that job so approved shops can access money today instead of waiting on someone else's accounts payable.
8 optionsInvoice, credit line, loan, payroll, bills, card, and more
In the appApply on the invoice you already sent
Stay hereNo second signup on another website
Every cash option — and why you would use it
This is money to your shop. Different from homeowner monthly plans on the estimate (that is how the client pays you). Pick the one that matches the hole in the week. A licensed capital partner reviews each apply and funds approved requests. BuildOs Pro is available in all 50 states.
You bill homeowners. Their invoice is not a typical business receivable. A revolving line underwrites your shop — bank, books, revenue — so you can draw when materials, labor, or a slow month hit. Draw, repay, draw again.
One lump sum. Fixed payments. Use it for a truck, a crew you cannot float, or the gap between a finished job and the next deposit. You know the payment before you take the money.
The book is full. The account is tight. Take money now against work you are about to bill, and repay as a share of sales as jobs close — not a rigid calendar that ignores how construction actually pays.
The supplier or materials PO is due before the client pays you. Cover that bill so you do not drain the account, miss a materials window, or stall a crew that is ready to work.
Friday is Friday. The receivable lands next month. Make payroll on time so the crew stays, the job keeps moving, and you are not writing a personal check to float someone else's delay.
A GC or commercial buyer wants Net 30 or Net 60. You still get paid. They pay later. This is not the same as homeowner monthly plans on the estimate — that is how the client pays you. This is how you stay whole when a business customer needs time.
A card for materials and job expenses, repaid on your cash cycle — not a personal card that mixes the house with the company. Keep job spend on the job.
Waiting is the expensive option
Net 30 on paper is often 60 or 90 in real life. Materials go up. Crews want Friday. The next job wants a deposit you do not have because last month's invoice is still open. Get paid now is built for that gap — cash against work you already did, or a line you can draw when the book is full and the account is not.
You apply inside BuildOs Pro. The same form stays on the company. When the capital partner is connected, that apply funds from them — you do not start over on a cold lender site.
Most estimates never get signed. Stop spending a day on each one.
Typical remodelers and GCs close about 25–30% of the estimates they send. The other 70–75% get tossed — the homeowner shops three bids, the GC already had a number, the job dies. You still have to look like the shop that should win. A thin one-pager loses the ones that would have signed. A day in Excel on every bid burns the ones that will not.
BuildOs Pro is built for that math. Pictures and scope notes in. A super-detailed, line-itemed estimate out — polished enough to send, fast enough that you are not betting a full day on a bid that has a one-in-four chance. You review and send. The ones that die cost you minutes, not a Saturday.
Speed is not sloppy. Industry home-service analyses put same-day estimates around 40–60% close, while quotes that sit three or more days often fall to ~15–20% — roughly a 3× gap from timing alone. An NAHB survey found 70% of homeowners who got a same-day quote said it influenced who they hired.
Then put financing on that same estimate. The client taps Check options. A licensed capital partner can show offers in minutes — a monthly number next to the lump sum. Shops that do this see close-rate lifts in the 18–40% range on jobs over $5,000, and tickets that run about 30% larger, because the homeowner is comparing a payment to a utility bill, not writing a check for the whole kitchen. That is how the client pays you. Different from Get paid now, which is cash to your shop after you already billed.
~25–30%typical close on estimates sent — up to ~75% never become a job
~3×same-day quote vs waiting 3+ days (home-service industry benches)
+18–40%close-rate lift when a monthly payment sits on the quote
If pictures and a few notes were enough — and the software did the rest — would you subscribe?
Because that is what BuildOs Pro does. This is not a passive app you deposit data into. It is a proactive workstation. You walk the job. You take pictures. You enter the scope. Then BuildOs Pro does the work that used to sit on the estimator, the project manager, the operations lead, the production manager, and the owner.
Most of those estimates will get tossed — typical shops only close about a quarter to a third of what they send. So the draft has to look like a senior estimator wrote it, and it cannot take all day. Photos and notes in. Line items, quantities, forgotten-line suggestions, and a financing button on the proposal you actually send. You review. You send while you are still on site, or the same afternoon.
It builds the estimate. It flags what looks left out. It drafts purchase orders and change orders. It pulls the permit. It schedules crews and shows you the reflow when weather hits. It writes the email. It stamps arrive and leave at the job. You review and approve — you do not retype the week.
- Photos + scope notes → a polished line-item estimate in minutes, not a day — because ~75% of bids never get signed
- Financing on that same estimate — client sees offers in minutes; shops that offer it close more and sell larger tickets
- Permit draft on the city portal — you confirm before pay or submit
- Schedules built, weather risk flagged, crew rematch suggested — you approve the move
- Purchase orders and change-order narratives drafted from the job, not a blank page
- SmartMail writes and files the email. Daily logs write from today’s photos.
- Get paid now sits on the invoice you already sent — cash options while you wait
How it works
- 1Open a BuildOs Pro trialNo card. Estimating, invoices, and Get paid now — every module open from day one, all 50 states.
- 2Put the work in BillingSend the invoice. If a business owes you, advance that invoice. If homeowners owe you, open a line of credit on the shop.
- 3Tap Get paid nowOn the invoice, in Financials, or from this page after you log in. Pick the option that matches the week.
- 4Fill the apply in BuildOs ProBusiness name, contact, amount. Approved requests are funded by a licensed capital partner — you do not re-type it on another site.
BuildOs Pro is not a bank or lender. A licensed capital partner underwrites U.S. businesses and funds approved requests. Final terms come from them. Homeowner monthly payments on the estimate are a separate product.
