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Last Updated: 04/18/2025

Billd Lines of Credit

in Business Lines of Credit from Billd, LLC

Last Updated: 04/18/2025

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Highlights

APR (Fixed APR)

Starting at 18%(Verified 06/21/2024)

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Credit Score Range

300 - 850

Amount Range

Up to $5,000,000

Billd Lines of Credit Review

Billd Lines of Credit is offered by Billd, LLC, a direct lender founded in 2018 and based in Austin, TX. Billd Lines of Credit are available in states.

Billd Lines of Credit FAQ

What APRs does Billd Lines of Credit offer?

Billd Lines of Credit offers an APR that starts at 18% APR.

Does Billd Lines of Credit charge an origination fee?

Yes, Billd Lines of Credit charges an origination fee of up to 1.5% of the line of credit amount.

Does Billd Lines of Credit charge prepayment fees?

No, Billd Lines of Credit does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the line of credit balance off early.

What is the maximum term you can get with Billd Lines of Credit?

Billd Lines of Credit offers business lines of credit with terms ranging from 1 to 4 months. Having the option of longer terms allows borrowers to take on larger line of credit amounts while keeping monthly payments more affordable. However, the longer the term of the amounts you borrow, the more interest you will pay.

What do you need to qualify for Billd Lines of Credit?

When it comes to credit scores, Billd Lines of Credit doesn't have a set minimum or maximum. People with all types of credit scores can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Billd Lines of Credit does not have or does not disclose a minimum annual income eligibility requirement.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Billd Lines of Credit.

To qualify, applicants may need to provide the following documentation:

Proof of income
Bank account information
Business formation documents
References

What is the estimated funding time for the Billd Lines of Credit?

Billd Lines of Credit can fund business lines of credit within 1 business day of approval.

What are the business financing requirements for Billd Lines of Credit?

To apply for Billd Lines of Credit, the applicant needs to provide the following documentation:

Business license
Business bank account

Does Billd Lines of Credit report your account activity to credit bureaus?

Yes, Billd Lines of Credit reports to the following credit bureaus:

Equifax
Experian
TransUnion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Billd, LLC perform a hard credit pull?

Yes, Billd Lines of Credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Billd Lines of Credit

Whether you’re a material supplier or commercial contractor, enrolling with Billd is easy. Get started! Contractors can quickly and easily buy materials from any supplier. Suppliers get paid for materials prior to shipping when transacting with Billd. Don’t miss out on a project due to cash flow. Billd offers the flexibility of paying back within 120 days.

Contact

Headquarters

2700 W Anderson Lane #206

Austin, TX 78757

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