BuildrFi

BuildrFi operates a payments and credit platform for construction material procurement, connecting subcontractors, material suppliers and general contractors. Its core Materials Financing product lets a subcontractor or self-performing general contractor place an order with an existing or new supplier; BuildrFi reviews the approved purchase, pays the supplier in full upfront, and takes on the receivable and associated credit risk. The buyer repays on the agreed terms or extends payment by up to 12 additional weeks for a fixed financing fee based on the purchase amount, with offer structures such as 28 days/4 weekly payments, 42 days/6 weekly payments or 56 days/8 weekly payments.

Beyond financing, the platform provides accounts payable and accounts receivable management, project management and workflow automation, and a dashboard consolidating bills, supplier payments, project activity, upcoming obligations and available purchasing power, with bank and QuickBooks connections. The company describes an underwriting layer it calls the BuildrFi Trust Engine, which draws on live business, project, purchasing and payment data and produces a construction-specific BuildrFi Score used to assess financial and project readiness.

Earlier descriptions of the company characterize it as streamlining financial workflows for construction by giving contractors visibility into project cash flow and offering payments and financing options for material costs and delayed payments, including an AI-powered payment platform and partnerships with lending providers.

Founding story

Co-founder Isabel Rodriguez grew up in a family of builders in Colombia, where her father and oldest brother built a construction company that took on major infrastructure projects and struggled with accounts receivable delays. She moved to Miami in 2012, studied international business and marketing, and an internship at Santander Bank exposed her to technology's potential in traditional industries. She later ran a stone fabrication and installation business and encountered the same payment delays firsthand. While pursuing an MBA at Georgia Tech she conceived a financial platform for construction professionals; she took an MBA internship at Salesforce that converted to a full-time role before leaving to work on BuildrFi full time. Co-founder Stephanie Del Valle, who has a fintech background and also grew up around construction, joined as COO. Both founders are Colombian-American and describe a focus on helping Hispanic contractors access capital.

Business model

BuildrFi purchases approved supplier invoices on behalf of construction buyers, paying suppliers in full upfront and assuming the receivable and credit risk, then collecting repayment from the buyer on agreed terms. Buyers may extend payment up to 12 additional weeks in exchange for a fixed financing fee calculated on the purchase amount. Financing services are offered to business entities only and are provided under a Materials Financing Program governed by the company's terms of service; the company also reserves the right to use third parties to provide or facilitate the service.

Fixed financing fees charged on the purchase amount when buyers extend payment terms on financed material orders.

Traction

Following a soft launch, the company ran a closed beta onboarding subcontractors across five states and extended close to $200,000 in materials financing through its embedded financing solution. At that time it was a six-person company participating in Techstars, and it was selected as one of the top 10 early-stage companies for the 2024 eMerge Americas Startup Showcase after winning an eMerge Americas pitch competition.

Latest developments

The company's platform now centers on material procurement payments and credit, the BuildrFi Trust Engine and BuildrFi Score, supplier network enrollment, and a general-contractor offering that extends financing across a GC's trade base; its terms of service carry a last-modified date of June 5, 2026.