Ep 52: Why Good Subs Still Go Broke (and How Billd Fights Back) w/ Chris Doyle, CEO at Billd

Ep 52: Why Good Subs Still Go Broke (and How Billd Fights Back) w/ Chris Doyle, CEO at Billd

From Bred To Build - Construction Podcast by Brek Goin & Keith Callaway Jr.

April 13, 2026 · 1h 2m

About this episode

Chris Doyle discusses cash flow challenges in subcontracting and how Billd addresses these issues.

You can run a tight crew, win good work, and still watch your subcontracting business bleed out. Chris Doyle has seen it happen more times than he can count - and he built Billd to stop it. Chris has been in construction since he was 16. He's framed houses, worked disaster recovery, built renewable energy projects, and eventually found himself fluent in two languages most people can't speak at the same time: construction and finance. That intersection became Billd - a specialty lender in the country built specifically for subcontractors. In this episode, Chris breaks down why cash flow problems aren't a sign of a bad business - they're actually a sign your business is working. He explains why your net profit is silently funding your growth instead of going in your pocket, why "we don't borrow money" is often the most expensive philosophy a sub can have, and what a daily cash report can do for a business that no amount of hustle can replace. He also gets into Billd's new Predictable Pay program - and how partnering with GCs to release payments faster ends up being the most pro-sub move they've made yet. Topics covered: The cash flow problem hiding inside every profitable…

People in this episode

Hosts: Brek Goin, Keith Callaway Jr.

Guest: Chris Doyle

Topics covered

  • cash flow problems
  • subcontracting business
  • construction finance
  • working capital
  • Predictable Pay program
  • retained earnings
  • capital stack

Keywords

  • subcontractors
  • cash flow
  • construction
  • finance
  • working capital
  • Predictable Pay
  • retained earnings
  • capital stack

Mentioned in this episode

Organizations: Billd

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