“Can a construction-specific trade-credit platform underwrite subcontractors better than banks by owning the materials-purchase workflow end-to-end?”
Founded 2023 by Isabel Rodriguez and Stephanie Del Valle in Miami, BuildrFi is a vertical fintech for commercial construction materials procurement. The product acts as a buy-side credit platform: BuildrFi pays suppliers upfront on approved purchases, assumes the receivable and credit risk, and extends payment terms (up to an additional 12 weeks) to subcontractors and self-performing GCs. Its 'Trust Engine' / 'BuildrFi Score' underwrites borrowers using project, purchasing, and payment data pulled via Plaid-connected bank accounts and QuickBooks sync.
BuildrFi processes payments through Stripe. Disclosed money-movement rails: ACH.
BuildrFi's lending and capital products are provided by BuildrFi (in-house).
BuildrFi connects to bank accounts through Plaid.
BuildrFi integrates with QuickBooks.
The Embedded Finance Index 2026 maps 5 layers in BuildrFi's stack: Payments / PSP (Stripe); Money movement (ACH); Lending (BuildrFi (in-house)); Open banking (Plaid); Accounting (QuickBooks).
BuildrFi was founded by Isabel Rodriguez and Stephanie Del Valle and is founded in 2023, headquartered in Miami, FL, USA.
Get a read on where your own stack stands against BuildrFi and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.