Free tool · for contractors & subcontractors
How much do you front before you get paid?
Mobilize a job and you carry payroll, materials, and vendors for 90 days, waiting on lien releases and net terms before a pay app pays out. That is why profitable contractors run short on cash. Answer five plain questions and see your number below.
30-second estimate · no jargon · no sign-up · stays in your browser
Start here
A 30-second estimate.
Five sliders in plain terms: payroll, materials, lien releases, and your pay apps. Nothing to look up, nothing to sign.
Your numbers
Rough estimates are fine. No accounting terms, just what you know.
Cash you front on this pay app
$92,000
A month of crew and materials, paid out of your own pocket the whole time you wait for this pay app to land.
This pay app pays
Day 111
20 days after the 90-day window closes, once your lien releases are in and net terms run out. Until then you fund the job yourself.
One pay app, start to paid
Cash on this pay app, from your first cost to the day it lands
The pay app lands on day 111 and puts you back in the black, but you carried $92,000 for the 12 weeks it took to clear. Bill sooner or shorten the wait and that gap closes.
Three ways we close the gap
A 13-week cash flow, free
We build your first 13-week forecast at no cost, so you can see the gap week by week and know exactly which pay app you are waiting on.
Tighten the cycle
We work your billing, lien releases, and vendor payments so pay apps get approved and collected faster, shrinking the gap at the source.
Unlock better financing
We institutionalize your books so banks take you seriously, then help you land SBA loans and lines of credit. Cheaper capital lands straight in your pocket.
Our offer to you
Get your first 13-week cash flow, free.
The slider gives you a rough gap. A real 13-week forecast, built from your actual numbers, shows you exactly when cash gets tight, week by week, so you can act before it does. We will build your first one at no cost and walk you through it. No commitment.
- Built from your real bank and billing data
- Cash in and out, mapped week by week
- Draws, pay apps, and retainage accounted for
- Yours to keep, whether or not we work together
Why this happens
The faster you grow, the deeper the hole.
Every new job front-loads cost before the last one pays out. Take on more work and the gap widens, which is why so many profitable contractors feel broke.
As your financial team, we size the gap, forecast it week by week, and tighten the cycle so growth funds itself, by taking control of your billing and collections and lining up the right financing when you need it.
Stop letting cash flow run your business.
We are the financial team for construction companies and subcontractors, from CFO leadership through back-office support, and we will help you close the gap you just found, starting with a 13-week cash flow on us.