🏗 Built for Construction Operations

Pay subs on time. Crew gets paid. Project cash flow managed.

Complete payment infrastructure for construction—pay subcontractors from wallet with zero fees on eligible transactions,* use credit card for materials before draw payments, process crew payroll, bill clients efficiently. From specialty trades to general contractors.

Streamline Project Payments
Talk to Our Team

Zero transaction fees on eligible payments from Zil Money Wallet. Credit card processing fees apply. Eligibility requirements and terms apply. Visit zilmoney.com/terms

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Zero Fees on Eligible Sub Payments*

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Credit Card for Materials

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Automated Crew Payroll

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Progress Billing Tools

Three things construction businesses need.

Subs paid. Materials bought. Crew paid. No matter where project billing stands.

A blue credit card with a wave design, showing how you can turn your car payment into perks and rewards.

Pay Subs Without Waiting for Draw Payments

The Wallet Strategy: Draw payment received? Pay subs from wallet—zero fees on eligible payments.*

The Credit Card Strategy: Draw pending? Pay subs with credit card—they get paid, your card due after draw arrives.

Impact: Never damage sub relationships due to GC payment timing

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Buy Materials Before Client Pays

Pay suppliers with business credit card. Materials delivered immediately. Card payment due 30-45 days—after progress billing generates payment. Keep projects moving without cash bottlenecks.

Impact: Project timeline unaffected by payment timing

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A blue credit card with a wave design, showing how you can turn your car payment into perks and rewards.

Process Crew Payroll Every Friday

Automated weekly payroll from wallet (zero fees on eligible*) or via credit card when draw is pending. Union, prevailing wage, certified payroll—all handled. Crew never waits.

Impact: Retain skilled labor, maintain project quality

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Everything construction companies need.

Subcontractor Payments

Pay electrical, plumbing, HVAC, framing, concrete subs. Individual or bulk processing. From wallet (zero fees on eligible*) or credit card (30-45 day float). Lien waiver tracking integrated.

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Materials & Supplier Payments

Pay lumber yards, concrete suppliers, equipment rental, specialty materials. Credit card option keeps projects moving before draw payments. Wallet option (zero fees on eligible*) when cash is available.

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Crew Payroll Processing

Weekly payroll for field crews, foremen, project managers. Union scale, prevailing wage, certified payroll compliance. From wallet (zero fees on eligible*) or credit card when needed.

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Progress Billing & Client Invoicing

Create AIA billing applications, progress invoices, change orders. Send to GCs or owners with payment links. Collect via ACH (zero fees to you*) or credit card. Retainage tracking automated.

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Equipment & Rental Payments

Pay equipment rental, tool suppliers, scaffolding, temporary facilities. Credit card option when project is starting. Wallet option (zero fees on eligible*) for established projects.

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Lien Waiver Management

Track conditional and unconditional lien waivers with payments. Request from subs automatically. Maintain compliance with GC requirements. Complete documentation for project close-out.

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Built for all construction operations.

General Contractors

Your Reality: Multiple sub trades, draw-based billing, retainage held, lien waiver coordination, change order management

What Zil Money Solves:

  • Bulk sub payments from wallet (zero fees on eligible*)
  • Credit card option for subs when draw is delayed
  • Progress billing with integrated payment collection
  • Lien waiver tracking with payment releases
  • Project-based expense tracking

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Specialty Trade Contractors

Your Reality: Working for GCs, net-30 to net-60 payment terms, materials needed upfront, crew payroll weekly, equipment rental

What Zil Money Solves:

  • Pay materials suppliers with credit card before GC pays you
  • Weekly crew payroll never delayed
  • Equipment rental payments from wallet or credit card
  • Invoice GCs with payment tracking
  • Zero fees on eligible wallet payments*

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Residential Builders

Your Reality: Custom homes, spec homes, construction loans, progress draws, multiple subs per project, homeowner payments

What Zil Money Solves:

  • Pay subs efficiently as work completes
  • Credit card for materials between draw payments
  • Homeowner progress billing with payment links
  • Construction loan draw management
  • Sub payment coordination

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Commercial Contractors

Your Reality: Large projects, bonding requirements, certified payroll, retainage, strict payment terms, complex billing

What Zil Money Solves:

  • Bulk sub payments with lien waiver coordination
  • Certified payroll processing and tracking
  • Progress billing meeting AIA standards
  • Retainage tracking and release
  • Complete audit trails for bonding companies

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Remodeling& Renovation

Your Reality: Small to mid-size projects, homeowner clients, variable scope, materials upfront, quick payment needed

What Zil Money Solves:

  • Homeowner payment collection via links
  • Materials supplier payments from wallet or card
  • Sub payments processed quickly
  • Change order billing integrated

Simple project expense tracking

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Draw paid: wallet. Draw pending: credit card.

The Wallet Strategy (Post-Draw Payment)

When to Use: Draw payment received, progress billing paid, retainage released, project generating positive cash

How It Works:

  • Client/GC pays progress invoice → Funds to wallet (zero collection fees on ACH*)
  • Pay subs from wallet → Zero fees on eligible payments*
  • Pay suppliers from wallet → Zero fees on eligible*
  • Crew payroll from wallet → Zero fees on eligible*

Benefit: Complete project payment cycle optimized

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The Credit Card Strategy (Draw Pending)

When to Use: Project starting, materials needed immediately, subs need payment, draw payment delayed

How It Works:

  • Pay subs with credit card → They get paid immediately
  • Buy materials with credit card → Project continues
  • Process payroll via credit card → Crew paid on time
  • Card payments due 30-45 days → After draw payment arrives

Benefit: Project never stops due to payment timing

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Smart Construction Approach:

Project Start:

Use credit card for initial materials and mobilization → Bridge to first draw

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Mid-Project:

Draw payments to wallet → Pay subs and suppliers from wallet (zero fees on eligible*)

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Payment Delays:

Use credit card to maintain schedule → Switch back to wallet when draw arrives

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Result: Subs paid. Materials delivered. Crew paid. Schedule maintained.

How construction companies use both strategies.

Scenario 1: Subcontractor Payment Before Draw

Situation: Electrical sub completed rough-in. Payment due. Progress draw won’t arrive for two weeks.

Action: Pay electrician with credit card via Zil Money. Sub paid same day. Card due next month.

Outcome: Sub relationship protected. Lien waiver received. Draw payment covers card balance when it arrives.

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Scenario 2: Materials for Project Start

Situation: New commercial project. Need lumber, concrete, steel delivery. First draw is 30 days out.

Action: Pay suppliers with credit card. Materials delivered. Project starts on schedule.

Outcome: Card payments due after first progress billing generates payment. Schedule maintained.

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Scenario 3: Friday Payroll with Pending Draw

Situation: Friday payroll due for 25-person crew. Draw payment delayed until next week due to GC paperwork.

Action: Process payroll via credit card. Crew paid on time.

Outcome: Skilled workers retained. Monday production continues. Card payment covered when draw arrives.

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Scenario 4: Multiple Subs After Draw Payment

Situation: Progress draw received for framing, rough plumbing, rough electrical, drywall. Four subs need payment.

Action: Draw funds to wallet. Bulk payment to all four subs from wallet—zero fees on eligible payments.*

Outcome: All subs paid efficiently. No transaction fees. Lien waivers tracked automatically.

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Track every dollar by project.

Project-Based Accounting

Tag every payment to specific projects. Track costs by trade, phase, change order. Real-time project profitability. Export for job costing and WIP reports.

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Progress Billing

Create AIA G702/G703 applications for payment. Progress invoice templates. Stored materials billing. Retainage calculations automated. Change order integration.

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Retainage Tracking

Automatic retainage calculation and tracking. Release schedules by sub and project. Final payment coordination with lien waiver releases. Complete documentation.

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Lien Waiver Coordination

Request conditional waivers before payment. Track unconditional waivers upon payment. Sub compliance maintained. GC requirements met automatically.

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Works with construction systems.

Construction Software:

Construction Software:

  • Procore
  • Buildertrend
  • CoConstruct
  • Builder CMS

 Project data synced, progress billing integrated

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Accounting:

  • QuickBooks
  • Xero
  • Sage 300 Construction

 All payments categorized by project and cost code

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Payroll:

  • ADP
  • Paychex
  • Gusto

Certified payroll data integrated, union scale handled

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Time Tracking:

  • TSheets
  • ClockShark

Labor hours linked to payroll processing

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Construction-grade security and compliance.

SOC 2 Type II Certified

Independently audited security

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PCI DSS Compliant

Secure payment processing

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Bank-Level Encryption

256-bit AES for all data

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FDIC Partner Banks

Banking through FDIC members

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Positive Pay

Check fraud prevention

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Lien Law Compliance

Payment and waiver coordination

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What construction companies ask.

What does "eligible wallet payments" mean? +

Zero fees apply to specific payment types made from Zil Money Wallet. Not all payment methods and transaction types qualify. Complete eligibility at zilmoney.com/terms.

Can I really pay subs with credit card even if they don't accept cards? +

Yes. You pay Zil Money with business credit card. We pay sub via ACH or check. They receive payment their preferred way. Your card due 30-45 days later. Standard credit card processing fees apply.

How does this help with draw payment delays? +

Pay subs and suppliers with credit card before draw arrives. Project continues. Card payment due after draw is received. Bridges timing gap without delaying project or damaging relationships.

Does this handle certified payroll? +

Yes. Process certified payroll with proper wage classifications, fringe benefits, and compliance documentation. Integrates with construction payroll providers for Davis-Bacon and prevailing wage projects.

Can I track payments by project? +

Yes. Tag every payment to specific projects. Track costs by trade, phase, change order. Export for job costing. Real-time project profitability visibility.

What about lien waivers? +

Request and track conditional and unconditional lien waivers with payments. Automate waiver requests when processing sub payments. Maintain compliance with GC and owner requirements.

Does this work with construction software? +

Yes. Integration with Procore, Buildertrend, CoConstruct, and major construction management platforms. Project data synced automatically.

Transparent pricing for construction operations.

Core Platform

Free

to start

Wallet payments (eligible):

$0 per transaction*

Credit card payments:

Standard processing rates(typically ~2.9%)

Check mailing:

$1.25 per check

ACH/wire:

Competitive rates

What You Get:

Zero fees on eligible wallet payments*

30-45 day credit card float when needed

Project-based payment tracking

Lien waiver coordination

Progress billing tools

Zero-fee eligibility requirements, credit card rates, terms, and conditions apply. Complete details at zilmoney.com/terms.

Stop letting payment timing delay projects.

Wallet when draw arrives. Credit card when it’s pending. Projects keep moving.

Traditional Approach:

  • Delay sub payments waiting for draws
  • Tell suppliers “payment coming next week”
  • Crew payroll delayed during GC payment delays
  • Damaged relationships, lost schedule

← •• →

Zil Money Approach:

  • Pay subs on time—wallet or credit card based on draw status
  • Materials delivered when needed—credit card bridges timing
  • Crew paid every Friday—no exceptions
  • Relationships protected, schedules maintained

    ← •• →

    Manage Project Cash Flow
    Schedule a Demo

    Zero Fees on Eligible Wallet Payments*

    Credit Card Flexibility Available

    Works with Construction Software

    SOC 2 Certified

    *Zero transaction fees apply only to eligible payments made from Zil Money Wallet balance. Not all payment types, methods, or transactions qualify for zero fees. Eligibility requirements, transaction limits, terms, conditions, and restrictions apply. Credit card processing fees apply to all credit card payments and vary by transaction type. Cash back rewards earned on qualifying transactions when funds kept in Zil Money Wallet, subject to program terms and eligibility. Complete eligibility details, pricing, terms and conditions available at zilmoney.com/terms.

    Zil Money is a financial technology company, not a bank. Banking services provided through partnerships with FDIC member banks.