Pay subcontractors and suppliers your way
Keep projects moving by paying sub-contractors instantly via card, ACH, check, or wire. Use your business credit card for materials and labor to float your project cash flow for up to 45 days.
Construction accounts payable software.
Construction moves fast. Melio keeps your payments moving with it—contractors paid on time, cash flow tracked in real time, and everything managed from a single dashboard.
Trusted by
Keep your construction payments moving
Construction payment management on the go
Track every job site and manage multiple payments on one central dashboard. Use the Melio mobile app to approve invoices for materials or equipment from your phone while traveling so work never stalls.
Secure workflows for project managers
Delegate payment tasks without losing control. Set up custom approval workflows so project managers can handle invoice intake based on permissions defined by you.
Automated 1099 and W-9 compliance
Simplify tax season year-round. Securely collect, track, and upload contractor W-9 forms directly through your dashboard, then seamlessly sync your data with Tax1099 for fast, error-free e-filing.
Tools for smarter construction payments
Easy to use
Sign up, and pay your suppliers and sub contractors with a few clicks of a button—all on Melio’s easy-to-use platform.
Manage payments on-site
Use your mobile device, tablet, or laptop to pay invoices and manage your construction payments anytime, anywhere.
Schedule payments
Plan material orders and vendor payments in advance to protect your project schedule and never miss a critical bill.
Payment flexibility
Make batch, recurring or partial payments. You can also combine payments to the same vendor or contractor.
Sync with QuickBooks & Xero
Automatically sync payments with Xero, QuickBooks, or NetSuite to keep expenses organized across multiple job sites.
Move money fast
Ensure your team and sub contractors are always paid on time so no work days are missed due to delayed payments.
Apply vendor credits
Sync your credits from QuickBooks Online to easily apply your vendor credits and pay bills.
Safety first
Secure your AP construction workflows with automated fraud monitoring to protect your funds and transactions.
This is why construction companies choose Melio
Category 5
“Let's say we're doing a large custom home and the subcontractor's pay on it is $12,000 and they want to get a check or an ACH. With Melio, they get paid the same day or the next and I get the extra 45 to 50 days to float that $12,000.” Ryan Melnick, CEO
FAQ for construction businesses
You can handle almost any industry expense using Melio’s accounts payable software for construction. Easily pay for building supplies, raw materials, equipment rentals, utilities, and your regular subcontractor or construction worker payment needs.
Yes, Melio can deliver money to your vendors via bank transfer, wire transfer, paper check, or single-use virtual card. Just make your payment via bank account or card and we’ll handle the rest.
You can schedule a payment for all unpaid and partially paid construction bills in one go with batch payments. You can also combine payments to the same contractor so they receive one payment for multiple bills.
Pay your construction business bills anytime, anywhere with easy bill capture. There are a few ways to add a bill:
-Take a photo
-Upload a file
-Manually enter the details
-Connect with your accounting software
-Have your vendors send invoices directly to your Melio Pay inbox (or you can forward them yourself)
Your security is our top priority. Melio uses secure technology and is completely PCI compliant so that your money is always protected and your sensitive data is never stored.
ACH bank transfer (direct deposit) is the most widely used method because it’s fast, traceable, and costs nothing for the recipient. Wire transfer is preferred when speed is critical or for larger amounts. Paper check is still common in construction for subs who don’t accept electronic payment. Melio supports all of these.
An automated vendor payment system connects your invoice intake to your payment execution without manual steps in between. In practice this means: invoices arrive (by upload, email, or photo), get matched to the right vendor and job, go through an approval workflow if needed, and are then scheduled and sent automatically on your chosen date via ACH, wire, check, or virtual card. Melio handles all of this from a single dashboard, so your team isn’t chasing paper invoices or manually initiating individual bank transfers for each sub
Yes, particularly in construction where cash flow timing is a persistent problem. The main returns are: fewer late payment disputes with subcontractors (which cause project delays), less time spent on manual invoice entry and reconciliation, better visibility of what’s going out across multiple jobs, and the ability to time payments strategically around your billing cycles.
