Stop chasing checks. Start getting paid.
Every dollar you're owed — retainage included — with overdue alerts and one-tap demand letters. No accounting software.
Getting paid in construction is broken.
Money you've already earned — locked on someone else's books.
On every pay app the GC keeps 5–10% as retainage. It piles up for months, and it's the first thing that slips through the cracks. Subsettle tracks every withheld dollar and the day it's collectible.
- Your total retainage across every job, at a glance
- The expected release date for each one
- A nudge the day it becomes collectible
Retainage and slow pay are quietly draining your crew.
Built for crews under $2M a year, no back office. You did the work weeks ago — the money's still on someone else's books, and 5–10% (industry-standard retainage) is locked away with nobody tracking it but you.
Retainage you forget you're owed
5–10% (industry standard) held back on every pay app — easy to lose track of money not yet in your account.
Payments that slip weeks past due
"Net 30" becomes 60. With no one watching the clock, late blends into the pile.
The awkward "where's my check" call
Chasing feels like begging, so you wait. Send a documented demand instead — one tap.
From a shoebox in the truck to one clean number.
Crumpled invoices, sticky notes, "did they pay the retainage?" In about two minutes, every job and dollar lands in one place.
Built to do one job well: get you paid.
No bloated accounting suite. Just what a small crew needs to know what it's owed and collect it.
Total-owed dashboard
One always-current number: every dollar outstanding across all your jobs.
Pay-app + retainage ledger
Log a pay app; retainage held calculates automatically. No spreadsheet math.
Money-at-risk alerts
Payment overdue or retainage due? Flagged instantly — nothing slips past the deadline.
One-tap demand letters
A pro demand pre-filled with job, amount, and deadline. Edit, then send.
GC reliability scorecard
Every GC graded on how fast they actually pay. Know who to trust before you bid.
Works on your phone
Log a pay app from the truck. Runs in your browser; syncs to your account.
Three steps. About two minutes.
Set up a job once, log pay apps, and let Subsettle watch the clock.
Add the job
Name, GC, contract value, retainage percent. That's the whole setup.
Log each pay app
Enter the billed amount. Retainage held and outstanding calculate automatically.
Get paid
Mark payments as they land. Goes overdue? You're alerted and the demand's drafted.
Know which GCs actually pay — before you take the next job.
Every job teaches Subsettle how a GC behaves: days on invoices, late retainage, chases. Next time they call, you'll know what you're walking into.
- Average days-to-pay per GC, across all your jobs
- Slow payers flagged so they can't surprise you twice
- Price slow-pay risk into the next quote
Turn an awkward phone call into a paper trail.
Payment overdue? Subsettle drafts a clear, professional demand pre-filled with job, amount, and deadline. Polite, firm, and documented if it escalates.
Heads up: demand-letter templates are general drafts you edit before sending — not legal advice. For anything contentious, loop in an attorney.
M. Vega, Owner
Built for the truck, not the office.
No install, no spreadsheets, no IT. Opens in the browser on the phone in your pocket — log a pay app between calls, check what you're owed from the gate.
- Thumb-friendly, big-tap-target screens
- Works offline — syncs when you're back online
- Add to your home screen, open like an app
What crews stand to recover.
No invented testimonials — just the money that slips through the cracks, and where Subsettle catches it.
10% retainage on a $240k job is $24,000 on someone else's books. Subsettle surfaces it the day it's collectible.
A GC who always pays at 60 days isn't a surprise twice. Price that risk into the next bid instead of eating it.
A payment 27 days overdue is a one-tap demand letter — not an awkward call you keep putting off.
Simple, honest pricing.
One plan. Everything included. Cancel anytime, no contract.
- Unlimited jobs, pay apps, and GCs
- Retainage tracking & overdue alerts
- One-tap demand letters
- GC reliability scorecard
- Private account — synced across your devices
The questions every sub asks.
Know exactly what you're owed.
Stop guessing. Start every week knowing the number — and chase it in one tap.
Get started