Problem

Construction wholesalers, distributors, and suppliers often manage credit onboarding, invoicing, collections, and payments through fragmented, manual workflows. Customers want immediate access to invoices and statements and the ability to pay online, while distributors bear the cost of chasing receivables, reconciling cash, managing credit risk, and absorbing payment delays. The economics are visible in working capital and labor: Electric Supply reported that automated reminders reduced the need to pursue 45–90-day receivables, while Great Western Supply lost a major customer that demanded an online payment portal and later recovered that business after implementing one.

The killer use case is modernizing the distributor-to-contractor cash cycle without forcing the distributor to replace its ERP: digitally onboard a customer, send invoices and reminders, enable payment, and collect and reconcile cash faster. Dill’s launch materials report customers getting paid 20% faster and recovering 20 hours per week for sales and customer service, making faster cash conversion and reduced administrative work the core value proposition.

Product / Service

Dill is a construction-focused credit and accounts-receivable platform delivered as software layered on top of a distributor’s existing ERP. Its white-labeled, PCI-compliant portal lets customers retrieve invoices and statements and pay by ACH or card; the platform also automates statements, payment reminders, cash-application reconciliation, credit applications, validation, and credit-bureau checks. Dill supports major credit bureaus and connects with systems such as Epicor Prophet 21, Eclipse, QuickBooks Online, Sage 100, and custom ERPs.

The product is designed for relatively fast implementation—Dill says two to four weeks—and preserves the distributor’s customer relationship by carrying the distributor’s branding. The benefit is a more convenient customer experience, faster onboarding, lower manual AR workload, earlier payment, better credit decisions, and potentially lower card-processing costs through ACH adoption and compliant surcharging.

Market

Dill competes in construction fintech, specifically software for trade credit, online payments, accounts receivable, collections, and lien-related workflows for plumbing, HVAC, PVF, electrical, and industrial suppliers. The reviewed sources do not identify a named direct competitor; Dill’s practical alternatives appear to be manual paper/PDF/fax processes, ERP-native or custom-built workflows, and generic AR or payment tools. Its ERP integrations and white-label model position it as an additive system rather than a replacement for the distributor’s core software.

Dill is not merely pre-revenue or conceptual: it is an active Y Combinator Winter 2023 company with live distributor customers and published case studies. Reported traction includes customers getting paid about 20% faster, recovering roughly 20 hours per week, and routing more than 80% of payments through Dill; Great Western Supply recovered lost revenue after deploying its portal, and Electric Supply reported materially less exposure in its 45–90 receivables bucket. The company’s public materials demonstrate commercial adoption, although they do not disclose a definitive customer count or revenue figure.