Free Tool
How much cash is locked in retainage right now?
Retainage doesn't hit your P&L — but it's usually the single biggest reason commercial contractors run out of working capital. Pick your trade, plug in your backlog, see what's locked.
Question 1 of 3
What kind of work do you do?
Different trades have different industry-standard retainage terms (5–10%, hold periods 30–120 days).
Want a real model on your active backlog?
We'll connect to your job costing, pull every active contract, calculate retainage by GC and project, and show you which contracts to renegotiate first.
From clients
What contractors say after working with us.
“We had $480K in retainage nobody was tracking past 12 months — some of it 3+ years old. Sam built us a release schedule by GC by job. Recovered $310K in five months. The other $170K we wrote off and stopped working with the GCs that didn't pay.”
“Retainage was a black hole. Three jobs from 2023 we'd basically given up on. Sam helped us draft the demand letter and walked us through the lien filing. Two settled in 60 days. The third we filed against and that one's still working through.”
“Bonded jobs were eating our cash. We'd hit substantial completion and then wait 8–14 months for retainage. Sam restructured how we bid — built the retainage cost INTO the bid so we stopped subsidizing GCs with our own working capital. Net margin up 4 points.”
Simple pricing
Three tiers, one ladder.
$99/mo
Books
Clean monthly books, tax-ready year-end. Same flat rate for catch-up.
$1,500+/mo
Fractional CFO
Cash forecasting, profitability analysis, monthly strategy calls.
$3,000+/mo
CFO + Operations
Dedicated CFO, AI-native workflows, dashboards, and integrations.
Related reading
See exactly which contracts are locking up your cash
Drop your info and a Level CFO will reach out to walk through your backlog. Free audit included.
No commitment. Real numbers, not generic advice.