EarlyPayPro lets private GCs pay their subs early at a small discount — earning 20–30% annualized returns on cash you were already going to spend. No integration. Live in 2 weeks.
Zero risk to start — no subscription, no upfront fees. We only earn when you do.
Other platforms advance their own capital and keep the spread. EarlyPayPro deploys your capital and returns 80% of the yield directly to you.
Unlike Constrafor or Billd where a third-party pockets the spread, your own capital earns 80% of the return. We take 20% for the platform.
Competitors use flat discount rates for everyone. Our AI offers each sub the maximum discount they're likely to accept — maximizing your yield per invoice.
Works with Procore, Sage, GCPay, or even Excel. Live in 2 weeks with no IT project, no ERP connection, and no software to install.
That 8% bid inflation comes directly out of your bottom line. EarlyPayPro fixes it.
Estimate your annual return opportunity
EarlyPayPro turns the cash you were already going to spend on subs into a 20–30% annualized return — without winning a single new job.
At 2.5% discount on 30-day early pay, the annualized yield is ~30% — compared to 4–5% in a money market fund.
Adjust the sliders to match your GC profile. Results update in real time based on observed industry benchmarks.
Adjust inputs to match your GC
No rip-and-replace. No new software to learn. We connect to your existing project management, pay app, and ERP workflow and add an early pay layer on top.
No integration? No problem — we also work with CSV import and a simple dashboard for GCs on any stack.
Every alternative either keeps the yield, uses flat rates, or is built for enterprise GCs with 500+ subs.
| Feature | EarlyPayPro | Constrafor | Earlytrade | Procore Pay | Billd |
|---|---|---|---|---|---|
| GC keeps full yield | ✓ Yes (80%) | ✗ | ~ Partial | ✗ | ✗ |
| AI dynamic rates per sub | ✓ Core feature | ✗ Fixed | ✗ Fixed | ✗ Fixed | ✗ Fixed |
| No integration to start | ✓ Live in 2 weeks | ✓ | ✓ | ✗ Procore only | ✓ |
| Proactive SMS offers | ✓ Within 2 hours | ✗ Sub logs in | ✗ Sub requests | ✗ Portal only | ✗ |
| Auto-accept threshold | ✓ Sub sets APR floor | ✗ | ✗ | ✗ | ✗ |
| Private GC focus ($10–100M) | ✓ Purpose-built | ✗ Enterprise | ~ Mid-market | ✗ Enterprise | ~ Sub-focused |
When your GC uses EarlyPayPro, you get a text as soon as your invoice is approved. Tap yes. Get paid tomorrow. No forms, no portal, no waiting.
EarlyPayPro doesn't replace anything. It adds a one-tap payment layer to whatever approval flow your GC already uses.
Stop bridging payroll from your line of credit. Know exactly when cash is coming in so you can pay your crew on time, every time.
Cash-in-hand buyers get better supplier terms. Pay early, negotiate discounts, and reduce the material float that kills small sub margins.
When you're not padding bids to cover payment uncertainty, you win more work. Stable cash flow is a competitive advantage.
At 2.5% for 30-day early pay (~30% APR), this is often cheaper than your revolving credit line — with no collateral, no bank relationship required.
Pre-filled mobile form. Bank link via Plaid. Set a standing "auto-accept" threshold and never think about it again — cash just arrives.
EarlyPayPro runs through your GC relationship. No third-party lender in your payment chain. It's your GC paying you — just faster.
If your GC uses EarlyPayPro, ask them to enroll you. The signup takes 3 minutes.
From GC signup to first payment in under two weeks. No ERP integration, no software to install, no IT project.
GC PM approves sub invoice in Procore or your workflow. EarlyPayPro detects it within minutes via webhook or API.
Within 2 hours. Shows net dollars, not %. AI has calculated the maximum discount the sub is likely to accept.
One word. Or nothing — standing preferences auto-accept matching offers. ACH initiated same business day.
GC repaid on original due date via pull ACH. 80% of discount credited to GC monthly. Itemized yield report provided.
We saw a gap nobody was filling: private GCs with idle AP float and subs struggling to make payroll. EarlyPayPro is the fix.
Construction is a $2 trillion industry where cash flow is still broken. General contractors sit on millions in AP float earning almost nothing, while the subs they depend on pad bids and stress over payroll because they can't predict when they'll get paid.
EarlyPayPro exists to fix both problems at once. GCs deploy their own capital to pay subs early, earn a meaningful yield, and build a more loyal, financially stable sub base. Subs get paid in days, not months.
Nobody loses. The discount simply reprices the time value of money that was previously left on the table.
Shape the platform. Earn outsized returns. Own a piece of the upside.
Commit $1M to EarlyPayPro and we waive our 20% fee for 3 years, up to $1M in cumulative fees. At 30% annualized yield, that's ~$300K/yr returned to you — uncut.
Each Founding GC receives a warrant for $1M of EarlyPayPro equity, priced pari passu to our upcoming $5M seed round (Austin-based). Same terms as institutional investors.
Founding GCs sit on our advisory council. Your workflow, your integrations, your features — built first. Purpose-built to your needs, plus the upside when it scales.
EarlyPayPro is headquartered in Austin, Texas — one of the fastest-growing construction markets in the United States. We built this for the GCs and subs we see every day in the Texas market, and we're expanding nationally from here.
We're early, we're building fast, and we're looking for the right GC partners to build this with. If that sounds like you, let's talk.
20 minutes. We'll learn about your GC, model your yield opportunity, and answer every question. Zero commitment.
Mention it in the form. 5 spots available for GCs who commit $1M to the program in exchange for 3 years of waived fees and equity warrants in EarlyPayPro.
We respond within one business day.
No spam. No commitment. Just a conversation.
Constrafor is our most direct competitor. Founded 2019, New York-based, $264M raised. They offer a full sub administration platform (COI, prequalification, contracts, diversity tracking) with early pay as one of several features. They fund early pay from their own balance sheet — the GC earns a small rebate, not the full yield.
| Feature | EarlyPayPro | Constrafor | Notes |
|---|---|---|---|
| Who keeps the yield | GC keeps 80% | Constrafor keeps spread; GC gets rebate | On $1M pool: EPP returns ~$880K/yr vs. a small rebate from Constrafor. |
| Average discount (sub pays) | ~2.5% / 30 days (AI) | ~2% / 30 days (0.5%/wk) | Similar to sub. EPP targets maximum accepted rate per sub — GC earns more per invoice. |
| AI-dynamic per-sub rates | ✓ Core differentiator | ✗ Fixed negotiated tiers | EPP adjusts offer per sub, per invoice. Constrafor negotiates one rate upfront. |
| Annual platform fee | ✓ Zero | $12,500–$35,500/yr | Significant for smaller GCs. A $75M GC pays $12.5K/yr just for platform access before earning anything. |
| Proactive SMS offers | ✓ Within 2 hours | ✗ Sub must log in & request | Passive programs average 27% take rate. EPP's proactive push targets 55%+. |
| Sub auto-accept threshold | ✓ Sub sets APR floor | ✗ Not available | Standing preferences remove all ongoing friction for subs. |
| COI management | ✗ Not included | ✓ Core strength — AI-powered | ✅ Constrafor wins here. Their AI COI tracking is genuinely excellent. EPP is payment-only. |
| Prequalification / MWBE | ✗ | ✓ Full modules | If you need prequal and diversity tracking alongside early pay, Constrafor is a stronger fit. |
| Sub buy-in difficulty | Low — we handle outreach | High — top complaint in reviews | Multiple Capterra reviews cite sub enrollment as Constrafor's hardest problem. |
| California availability | ✓ Available | ✗ Blocked in CA | Constrafor explicitly excludes California due to regulatory complexity. |
| GC target size | $50M–$3B | Strongest above $500M ACV | EPP is purpose-built for the $50M–$3B range Constrafor treats as mid-tier. |
Choose Constrafor if: You're a large enterprise GC ($500M+ ACV), need COI automation, prequalification, and MWBE tracking alongside early pay, and are willing to pay $22.5K–$35.5K/year for the full platform. Their back-office suite is genuinely strong.
Choose EarlyPayPro if: Your primary goal is maximizing financial returns on AP float. You're a $50M–$3B GC who wants to keep 80% of the yield, earn more per invoice through AI optimization, and pay zero annual platform fees.
An honest, detailed comparison.
Billd is also Austin-based and primarily a materials financing and working capital platform for subcontractors. They launched "Predictable Pay" in September 2025 — their first GC-facing early pay product. It's brand new, specific discount rates not yet publicly disclosed, and they're still in early GC rollout.
| Feature | EarlyPayPro | Billd Predictable Pay | Notes |
|---|---|---|---|
| Who keeps the yield | GC keeps 80% | Billd keeps spread (likely) | Billd funds from their balance sheet — the spread is their revenue model. |
| AI-dynamic per-sub rates | ✓ Core feature | ✗ No mention in any launch materials | Zero mention of dynamic AI pricing in Billd Predictable Pay announcements. |
| Proactive SMS offers | ✓ | ✗ Not described in launch | |
| Sub auto-accept threshold | ✓ | ✗ | |
| Sub relationships | Building | ✓ Strong — their core market for years | ✅ Billd wins here. Deep sub trust built through materials financing. Real distribution advantage. |
| Materials financing for subs | ✗ Not offered | ✓ Core product | If subs need materials financing alongside early pay, Billd offers both in one relationship. |
| GC focus ($50M–$3B) | ✓ Purpose-built | ~ New to GC side; sub-centric DNA | Billd was built for subs. GC features are being retrofitted onto a sub-first platform launched Sept 2025. |
| Annual platform fee | ✓ Zero | ✓ Zero | Neither charges GCs a subscription fee. |
| Austin-based | ✓ Austin, TX | ✓ Austin, TX | Both Austin companies. Good for Texas GCs who prefer local relationships. |
Choose Billd if: Your subs already use Billd for materials financing and you want a single sub relationship. Their sub trust and distribution is genuinely strong, and combining materials + payment in one platform is convenient for subs.
Choose EarlyPayPro if: Maximizing GC financial returns is your goal. EPP was built from day one for GC yield optimization — AI-optimized rates and proactive sub offers are core to the model, not retrofitted onto a sub-financing platform launched 8 months ago.
An honest, detailed comparison.
Earlytrade is a dynamic discounting and supply chain finance platform originating from Australia/New Zealand, now expanding in the US. They offer a marketplace model where GCs post early pay opportunities. They most closely resemble our model on the surface but differ structurally on funding and AI optimization.
| Feature | EarlyPayPro | Earlytrade | Notes |
|---|---|---|---|
| GC-funded (full yield) | ✓ Always GC-funded | ~ Optional GC-funded mode | Earlytrade offers GC-funded as one option alongside investor-funded. EPP is always GC capital at work. |
| AI-dynamic per-sub rates | ✓ Core feature | ✗ Negotiated / marketplace rates | Earlytrade rates are set by market dynamics. EPP AI targets maximum per-sub acceptance threshold. |
| Proactive SMS offers | ✓ | ✗ Sub-initiated portal | Earlytrade requires sub to log in and request. EPP pushes offers proactively — major take-rate difference. |
| Network of enrolled suppliers | Building | ✓ 90,000+ globally enrolled | ✅ Earlytrade wins here. 90K+ subs already on their platform — when a GC joins, many subs may already be familiar and enrolled. Real adoption advantage. |
| ERP integration maturity | Procore, Sage, Viewpoint, Acumatica | ✓ Viewpoint, JDE, Cheops, Coins + more | ✅ Earlytrade has production integrations across more ERP systems from years of live deployments. EPP is building this library. |
| Offer delivery model | ✓ AI pushes SMS within 2 hours | ✗ Sub logs into portal to request | This is the biggest take-rate driver. Earlytrade is sub-initiated; EPP is push-first. That difference explains most of the 27% vs 55%+ take rate gap between passive and active programs. |
| US construction focus | ✓ US-native, construction-specific | ~ ANZ/UK origin expanding to US | EPP is designed from the ground up for US commercial GC workflows and payment rails. |
| Sub auto-accept | ✓ | ✗ | |
| Quick start | ✓ ~2 weeks | ✓ Lightweight setup | Both are relatively fast to start. |
| $50M–$3B GC focus | ✓ Purpose-built | ~ Mid-market, not US GC-specific |
Choose Earlytrade if: You want a platform with 90,000+ already-enrolled subs globally — meaning many of your subs may already be on the platform and familiar with it. Their ERP integration library is broad and battle-tested across years of live deployments. If supplier network and platform maturity matter more than AI offer optimization, Earlytrade is worth evaluating.
Choose EarlyPayPro if: You want a US-native, construction-specific product with AI-optimized per-sub offers and proactive SMS delivery. EPP is designed for US commercial GCs from the ground up, not adapted from an ANZ/UK platform.
An honest, detailed comparison.
Procore Pay is Procore's embedded payments product (still in beta rollout as of 2025). It includes an "Early Pay Program" tab where a Payment Admin sets a single flat discount rate for all subs on a project. It's a basic feature inside a large PM platform — not a standalone yield optimization product. Fees go to Procore, not back to the GC.
| Feature | EarlyPayPro | Procore Pay EPP | Notes |
|---|---|---|---|
| GC keeps the yield | ✓ GC keeps 80% | ✗ Fees go to Procore | Fundamental structural difference. Procore monetizes via sub fees; EPP returns yield to GC. |
| AI-dynamic per-sub rates | ✓ Core feature | ✗ Admin sets one flat rate for all subs | Procore EPP: single rate for the whole project. Zero per-sub intelligence. |
| Works without Procore | ✓ Any stack | ✗ Procore Pay only | If you're not on Procore, Procore Pay EPP simply doesn't exist for you. |
| Proactive SMS offers | ✓ Within 2 hours | ✗ Portal-only, sub must log in | Subs must go to Procore to request. No push notifications. |
| Sub auto-accept threshold | ✓ | ✗ | |
| Native Procore integration | ~ Via OAuth API | ✓ Fully native — zero setup | ✅ Procore Pay wins here. If you're already on Procore Pay, zero additional setup. Seamless. |
| GC earns yield | ✓ 80% to GC | ✗ Procore earns the fees | This alone makes EPP dramatically better for GC financial returns at any invoice volume. |
| Annual cost to GC | ✓ Zero platform fee | Procore subscription ($$$) + Pay fees | For GCs already on Procore, EPP adds early pay without replacing your stack. Zero duplication cost. |
| Beta stability | Focused build | ~ Beta; features/fees may change | Procore Pay EPP is still in limited beta as of 2025. Roadmap and pricing not fully locked. |
Choose Procore Pay EPP if: You're fully embedded in Procore, already paying for Procore Pay, and want a zero-friction early pay feature with absolutely no new vendor relationship. The native integration is genuinely convenient for Procore shops.
Choose EarlyPayPro if: You want the GC to actually earn the yield (not Procore). You're not on Procore, or you want AI-optimized rates, proactive sub offers, and a dedicated yield optimization product rather than a feature tab in a project management platform that sends your yield to someone else.