Free Tool
How much cash is locked in retainage right now?
Model a withholding ceiling from backlog and a selected rate, then estimate financing cost for one holding period. To answer what is locked right now, reconcile earned pay applications, releases and your retainage ledger.
Question 1 of 3
What kind of work do you do?
We use this to set a starting retainage rate and hold period; replace them with your actual contract terms.
Want a real model on your active backlog?
We can reconcile earned retainage and releases by project, then review contract terms and cash timing with your team before choosing a scenario.
Operating review
Questions before forecasting retained cash
The margin, cash, and operating questions we check first when reviewing your numbers.
What event makes each retained balance payable?
A withheld balance can depend on completion, documentation or another contractual release condition.
Is the balance retainage, a dispute or an ordinary late invoice?
Combining these categories can put the wrong item into a routine collections queue.
What does delayed release do to project cash?
Accounting profit does not fund the time between paying costs and receiving the retained balance.
Simple pricing
Three tiers, one ladder.
$500+/mo
Bookkeeping
The clean data layer: monthly books, reconciliations, and organized financials AI can work with.
$1,500-$5,000/mo
Scale
The full AI operating layer: custom agents, weekly actions, and benchmarks to grow margin per hour.
Custom
Platform / Multi-Office
Multi-branch benchmarking and scorecards for PE-backed and multi-location groups.
Related reading
Review which contracts are holding earned retainage
Drop your info and the Level team will reach out to walk through your backlog.
No commitment. Real numbers, not generic advice.