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Construction

Master Your Construction Cash Flow Through Every Project

Stop letting payment delays and retention holdbacks drain your cash. Trezy helps construction businesses track progress billing, manage subcontractor payments, and forecast material costs with real-time visibility.

2,500+ businesses trust us
4.8/5 rating
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Cash flow forecasting dashboard for construction
2,500+
Contractors Trust Trezy
45 days
Earlier Payment Visibility
Project-level
Cash Tracking
95%
Forecast Accuracy
The Construction Challenge

Why Construction Businesses Run Out of Cash While Growing

Long payment cycles and upfront costs create unique cash flow challenges. Here's what keeps construction business owners awake at night:

Progress Billing Delays

You complete work, submit a pay application, wait for approval, then wait another 30-60 days for payment. Meanwhile, you've already paid for labor and materials out of pocket.

Subcontractor Payment Pressure

Subs expect payment within 30 days, but you won't get paid for 60-90 days. This timing mismatch means you're essentially financing the project with your own cash.

Retention Holdbacks

5-10% of every payment is held back until project completion. On a €1M project, that's €50-100K you won't see for months or years. Retainage can cripple your working capital.

Material Cost Volatility

Steel, lumber, and concrete prices swing wildly. A fixed-price bid can become a money-loser overnight. Without tracking material costs, you're bidding blind.

Stop letting cash flow problems threaten your projects

See how Trezy solves this
The Solution

Complete Cash Flow Control for Construction

Purpose-built features to handle the unique financial challenges of construction businesses

01
Progress Billing

Track Every Pay Application and Payment

See exactly where every project stands - work completed, amounts billed, payments received, and retention held. Forecast when payments will arrive based on historical patterns with each owner or GC.

  • Pay application tracking by project
  • Payment timing pattern analysis
  • Work-in-progress cash tracking
Try project tracking
Project billing dashboard
02
Subcontractor Management

Balance Sub Payments with Cash Available

See all subcontractor obligations in one view. Track what you owe, when it's due, and whether you'll have cash available. Avoid the dangerous game of robbing Peter to pay Paul.

  • Consolidated subcontractor payables
  • Payment timing optimization
  • Cash availability forecasting
Manage subcontractors
Subcontractor payment dashboard
03
Supplier Analysis

Track & Control Supplier Costs

Monitor material supplier pricing at the product level. Catch hidden price increases, compare suppliers, negotiate better terms, and protect your margins on every project.

  • Product-level price tracking
  • Supplier cost comparison dashboard
  • Inflation alerts by material type
  • Volume discount opportunity detection
Analyze supplier costs
Supplier analysis dashboard

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Construction Industry Insights

Why Construction Cash Flow Is Uniquely Complex

Construction businesses face distinct financial challenges. Understanding these patterns is key to maintaining healthy cash flow throughout every project.

60-90

Days Payment Terms

Construction invoices typically take 60-90 days to get paid. Meanwhile, you must pay suppliers and workers weekly. This gap creates constant cash flow pressure.

10-15%

Retention Holdbacks

Clients often hold 10-15% of each payment until project completion. On a year-long project, this means significant cash trapped for months.

82%

Fail Due to Cash Flow

82% of construction company failures are attributed to poor cash flow management. Winning projects means nothing if you can't fund them.

3-5%

Average Profit Margins

Construction operates on razor-thin 3-5% margins. A single delayed payment or cost overrun can wipe out an entire project's profit.

40%

Material Cost Volatility

Construction material prices can swing 20-40% in a single year. Lumber, steel, and concrete costs are increasingly unpredictable.

5+

Concurrent Projects

Most contractors juggle 5+ projects simultaneously. Each has different billing cycles, retention rates, and cash requirements.

How Trezy Helps Construction Companies

Project-Based Tracking

Track cash flow by project. See which jobs are cash-positive and which are draining resources before they become problems.

Progress Billing Forecasts

Predict incoming payments based on project milestones. Know exactly when each progress payment will hit your account.

Retention Management

Track retention holdbacks across all projects. See exactly how much cash is tied up and when it will be released.

Subcontractor Payments

Schedule sub payments strategically. Ensure you have cash on hand for every payroll and subcontractor invoice.

Bid Planning

Model new project impacts before bidding. See if you can fund a new job while maintaining current project commitments.

Payment Delay Alerts

Get notified when clients are late. Take action before a delayed payment creates a cash crisis across your projects.

Industry Resources

Learn More About Construction Finance

Expert resources to help you master construction cash flow management

Associated General Contractors

Construction Economic Data & Outlook

Industry economic forecasts, labor market data, and construction spending trends from AGC of America.

Read more
Construction Dive

Construction Finance News

Latest news on construction financing, project funding, and industry financial trends.

Read more
CFMA

Construction Financial Management

Best practices for construction accounting, financial reporting, and cash management from CFMA.

Read more
Engineering News-Record

ENR Finance & Funding

Industry-leading coverage of construction project financing, bonding, and capital markets.

Read more
Associated Builders & Contractors

ABC Industry Research

Construction industry research, workforce data, and business management resources from ABC.

Read more
For Construction Pros

Construction Business Management

Practical advice on running a profitable construction business, from estimating to cash management.

Read more
FAQ

Common Questions from Construction Business Owners

Get answers to frequently asked questions about managing construction cash flow with Trezy

How does Trezy help with progress billing and payment tracking?

Trezy tracks every project's billing cycle - work completed, amounts billed, payments received, and retention held. The system analyzes historical payment patterns with each owner or GC, so you know that Owner A pays in 45 days while GC B takes 75 days. This helps you forecast exactly when cash will arrive instead of guessing based on contract terms.

Can Trezy track subcontractor payments and obligations?

Yes! See all subcontractor payables in one consolidated view. Track what you owe, when it's due, and whether you'll have cash available to pay on time. The system alerts you to potential cash shortfalls before they become payment crises. Many contractors use this to negotiate payment timing with subs or arrange short-term financing.

How does retention tracking work?

Trezy tracks retainage held on every project, showing your total retention receivable and when each project is expected to reach completion. The system forecasts when retention will be released and factors this into your long-term cash planning. Never lose track of the 5-10% being held on every project again.

Does Trezy help with material cost forecasting?

Trezy tracks your material purchase patterns and costs over time. While we don't predict commodity prices, you'll see how material costs have changed historically and how this impacts your cash flow. Use this data for smarter bidding and to identify when material prices are spiking faster than your bids account for.

Why Cash Flow Management Matters

Cash flow is the lifeblood of any business. While profitability shows up on your income statement, it's cash that pays your bills, employees, and suppliers. Many profitable businesses fail simply because they run out of cash at critical moments.

Effective cash flow management helps you:

  • Avoid cash crunches: Anticipate shortfalls before they become emergencies
  • Make better decisions: Know exactly how much you can invest, hire, or expand
  • Negotiate from strength: Approach banks and investors with clear financial projections
  • Sleep better at night: Eliminate the stress of financial uncertainty

Trezy's AI-powered platform gives you the visibility and tools to take control of your business finances, whether you're managing seasonal fluctuations, planning growth, or simply trying to understand where your money goes.