Billy Alternatives That Don't Require a Demo Call or a 100-Sub Operation
Billy is a strong platform — for GCs with 100+ subcontractors already running Procore. If you manage 10–80 vendors and don't need a full ERP-integrated compliance suite, you're paying for capabilities you'll never use. Here's what fits instead.
$39/mo for unlimited vendors — vs. ~$600/mo for Billy at 100 subs
The main Billy alternatives at a glance
Quick orientation before the deeper comparison below.
| Platform | Best for | Pricing | Key difference from Billy |
|---|---|---|---|
| TrackMyVendor | GCs & PMs, 10–150 vendors | Free / $39 / $79 per month | Adds live state license verification (TX, FL, CA) that Billy doesn't offer. Self-serve, transparent pricing, 10-minute setup. |
| myCOI | Large enterprise, 200+ vendors | ~$1,500–$3,000+/yr, sales call | More established, broader industry coverage. Slower review (2 days–2 weeks). More complex, higher minimum scale than Billy. |
| TrustLayer | Enterprise, API-first teams | Enterprise, custom quote | More modern AI technology, real-time policy monitoring. Still enterprise-priced — not a step down from Billy in complexity or cost. |
| Spreadsheet | Under 10 vendors | Free | No cost, no setup. Works until it doesn't — expiration tracking and follow-up become full-time work above ~10 vendors. |
Pricing based on publicly available information and user-reported data as of May 2026. Platforms requiring a sales call are noted.
Why contractors look for Billy alternatives
Billy is a genuinely capable product. The Procore integration, 24-hour expert COI review, and no-login vendor submission flow are legitimately good. The issue is that the platform is priced and sized for operations well above the average GC running 20–50 subs.
~$600/month for 100 subs — with no public pricing to even evaluate
Billy's own ROI calculator describes a typical deployment as 100–300 subs at roughly $600/month. You can't confirm that number without booking a demo — there's no pricing page. For a GC managing 25 subs, that's paying for a compliance operation three times the size of your roster, and you have to get on a call just to find out the number.
Procore-first means it's best when you're already inside Procore
Billy's standout feature is its native Procore side panel — review compliance without leaving your project management tool. If you're not on Procore, you're paying for a platform whose biggest advantage doesn't apply to you. The ERP integrations (Sage, CMiC, JD Edwards, Autodesk, Viewpoint) are similarly irrelevant to a GC running jobs from a spreadsheet or simple PM tool.
No live contractor license verification — only document storage
Billy accepts uploaded license documents and tracks their expiration dates. It does not connect to state licensing databases. If a sub's Texas TDLR license gets suspended mid-project — after the expiration date you're tracking — Billy won't catch it. A COI and a stored license PDF tell you what was true when they were uploaded. They don't tell you what's true today.
Vendor confusion around what's required — and you can't see what Billy sends them
The most consistent complaint in Billy reviews: vendors find the submission requests confusing, get repetitive emails, and don't know what's actually needed. The second complaint: you can't audit what automated messages Billy sends to your vendors on your behalf. For a GC who values the direct relationship with their subs, those two things matter.
TrackMyVendor vs. Billy — feature and pricing comparison
Both platforms let vendors submit without creating an account. The differences are in price, scale, and what gets verified.
| Capability |
TrackMyVendor
Free / $39 / $79 per month
|
Billy
~$600/mo (100 subs), sales call
|
|---|---|---|
|
COI collection & storage
Upload workflow with centralized document storage
|
✓ | ✓ |
|
Vendor submission — no vendor account needed
Subs submit via link without creating a login
|
✓
magic link
|
✓
direct link upload
|
|
Automated expiration alerts
Email reminders at 90/60/30/7 days before lapse
|
✓ | ✓ |
|
AI COI parsing
Auto-extracts coverage data from uploaded PDFs
|
✓ |
✓
+ CRIS-certified expert review
|
|
W-9 collection & tracking
Collect and store W-9s alongside COIs
|
✓ | ✓ |
|
Live contractor license verification
Daily status checks against TX TDLR, FL DBPR, CA CSLB
|
✓
TX, FL, CA — live database
|
✗
document storage only
|
|
Mid-year license suspension detection
Catches revoked licenses between document expiration dates
|
✓
daily sync
|
✗ |
|
Transparent pricing on website
See price before signing up — no sales call required
|
✓ | ✗ |
|
Self-serve setup — operational in minutes
No implementation call, no onboarding session
|
✓
~10 min setup
|
✗
requires sales call + implementation
|
|
Procore integration (native side panel)
Compliance managed inside Procore without tab-switching
|
Roadmap |
✓
best-in-class Procore + ProcorePay
|
|
Managed expert COI review
CRIS-certified professionals review certificates on your behalf
|
✗ |
✓
24-hr review, managed tier
|
|
ERP integrations (Sage, CMiC, JD Edwards, Autodesk)
Sync compliance data with construction ERP systems
|
✗ |
✓
widest integration list in the space
|
For a full six-platform comparison including myCOI, TrustLayer, and Procore Insurance, see the COI tracking software comparison →
What you need to know before choosing myCOI, TrustLayer, or a spreadsheet
myCOI (now illumend)
Best for: large enterprises managing 200+ certificates with dedicated compliance staff
myCOI is more established than Billy — 15+ years, broader industry coverage, and a Concierge tier with licensed insurance experts who review certificates on your behalf. The trade-off: COI review can take 2 days to 2 weeks during peak season, the interface is dated, and user reviews flag vendor adoption problems (subs must create portal accounts). If you're leaving Billy because the price is too high, myCOI will not solve that problem.
When myCOI makes sense
- ✓ You need licensed insurance expert review
- ✓ You operate across non-construction industries
- ✓ You manage 500+ vendor relationships at scale
Where it's worse than Billy
- ✗ 2-day to 2-week COI review (vs. 24-hr for Billy)
- ✗ Requires vendor portal account creation
- ✗ No Procore-native integration
TrustLayer
Best for: enterprise teams with technical resources and API requirements
TrustLayer is the most technically advanced option — real-time policy monitoring (not just COI document tracking), AI-native architecture, and a broad API for custom integrations. If your team has developers who need to embed compliance data into custom workflows, TrustLayer is worth evaluating. For a GC who wants to track subs' insurance without a software engineering project, it's overkill.
When TrustLayer makes sense
- ✓ You need real-time policy status (not just COI docs)
- ✓ You have developers building custom compliance workflows
- ✓ You're a large enterprise with complex multi-party compliance
Where it falls short
- ✗ Enterprise pricing — not built for small-mid GCs
- ✗ No contractor license verification
- ✗ Requires technical implementation effort
Who should actually stay on Billy
Billy is a well-built platform for the right buyer. Here's when it's genuinely the right call.
You're already on Procore and want compliance embedded inside it
Billy's native Procore side panel and ProcorePay compliance enforcement are legitimately best-in-class. No other platform comes close to that depth of integration.
You manage 100+ active subcontractors across multiple concurrent projects
At that scale, Billy's 24-hour expert review, prequalification module, and ERP integrations justify the price. Below 75–100 subs, the ROI math gets harder to make work.
You need CRIS-certified professionals reviewing coverage endorsements and additional insured language
If your projects have complex insurance requirements — specific additional insured wording, primary/non-contributory clauses, umbrella endorsements — Billy's managed tier catches errors that AI tools miss.
You need deep ERP integrations (Sage, CMiC, JD Edwards, Autodesk, Viewpoint)
Billy's integration breadth across construction ERP systems is unmatched. If your operations team lives in one of these systems, Billy connects compliance directly to your existing workflow.
If you're a general contractor with 10–80 subs, not on Procore, and you need to verify that your subs are licensed — not just insured — Billy wasn't designed with you in mind. It's not that it's a bad product. It's that the scale, pricing, and feature set assume a larger operation with different tools in place.
Which platform is right for you
If you've read this far, here's the short version.
Set up in 10 minutes. Subs compliant by tomorrow.
COI tracking, contractor license verification, and W-9 collection in one place. Free for your first 25 vendors — pricing on the website, no sales call required.
The only COI tracking platform that also verifies contractor licenses in TX, FL, and CA — from $0 to start
Frequently asked questions
How much does Billy cost?
Does Billy verify contractor licenses against state databases?
What does Billy do that TrackMyVendor also does?
Is there a free Billy alternative?
Can I switch from Billy to TrackMyVendor without losing my COI data?
Who should actually stay on Billy?
Related resources
Full COI Software Comparison
Billy, myCOI, TrustLayer, Procore & more — six platforms head to head
myCOI Alternatives
Evaluating myCOI too? See how it compares to TrackMyVendor
Contractor License Verification
Why COI alone isn't enough — live license monitoring fills the gap
COI Tracking Software Guide
How COI tracking software works and what to look for
Vendor Self-Service Portal
How subs submit docs via magic link — no portal account needed
TrackMyVendor Pricing
Free to $79/mo — all plans, no sales call required
Billy Reviews on Capterra ↗
31 verified user reviews — what Billy customers actually say
COI Software Category on Capterra ↗
Full category comparison — all COI tracking platforms ranked by user reviews