Free contractor tool
Find out how much of your own cash this contract will tie up
Retainage, pay-app cycles and slow approvals decide whether a profitable job is affordable. Model the week-by-week cash position before you sign.
Built for US general contractors and subcontractors. Takes about three minutes.
How it works
A weekly cash model, not a rule of thumb
Every number comes from the assumptions you enter. Nothing is stored until you ask for the full analysis.
1. Enter the contract
Value, duration, cost curve, billing and payment terms, retainage, and the funding you actually have.
2. See the gap
Peak cash required, the week it bites, retainage locked up, and profit after financing cost.
3. Change the outcome
Test late payment and retainage scenarios, then work the levers that shrink the cash you have to front.
Questions
Contract cash gap FAQs
It is the money you front between paying for labour, materials and subs and actually collecting on the job. Retainage, pay-app cycles and slow approvals all widen it, which is why a profitable contract can still drain your bank account.