GC payments — progress billing that actually progresses.
General contractors invoice on schedules of values with progress billings, change orders, and retention holdbacks. Tabletop configures the invoicing layer, the ACH option, the change-order flow, and the customer portal so receivables move and the project cash flow stays clean.
Statement review, savings projection, and full tech stack recommendations.
What we hear on the ground.
What we hear from GC controllers and owners:
- Progress billings aging because owners and AHJs don't have a clean pay-by-link path.
- Change-order invoicing managed in spreadsheets, with reconciliation taking hours every week.
- Retention holdbacks tracked manually with periodic 'where are we' panic sessions.
- Subcontractor lien-waiver workflows unnecessarily slowed by manual payment processing.
- Processing fees on big draws — quietly costing thousands per project.
How Tabletop solves it.
Concrete service layer:
- Progress billing automation. Schedules of values, percent complete, draw schedules — all flowing into clean monthly billings with pay-by-link delivery.
- Change-order tracking. COs land in the same system as base contract billings. Reconciliation is automatic, not a Sunday-night project.
- Retention holdback tracking. Held-back amounts accrue automatically and release on the schedule the contract specifies. Visibility for owner and contractor.
- ACH option. Big draws on ACH instead of card — massive fee savings, faster settlement.
- Subcontractor lien waiver flow. Lien-waiver delivery and payment release tied together so subs get paid faster and the GC's risk position stays clean.
The stack we deploy.
Common pieces in a GC build:
- Payarc CRM — invoicing, progress billing, ACH, customer portal, change orders.
- Rise CRM — owner and project relationship layer.
- Traditional payment program — right structure for big-ticket project billings.
- Working capital — for material costs, subcontractor advance funding, and project gap financing.
- Calanderise — scheduling layer for project teams and owner walkthroughs.
What you actually save.
Real savings depend on your project size, your draw cadence, and your current vendor stack. Typical surfaces:
- Processing fees on big draws. A $500K draw on card at 2.9% costs $14,500. On ACH it costs maybe $25. Moving even a portion of draw volume to ACH is huge.
- Receivables aging. Owners who can pay by link pay faster. Average DSO frequently moves measurably tighter.
- Administrative time. Progress billing automation, change-order automation, and retention tracking save real controller hours every week.
Illustrative figure ranges only. Actual savings depend on your statement, your card mix, and the program you select.
Questions, answered.
How does progress billing automation work?
Schedule of values gets entered once. Each billing period, the system generates the percent-complete invoice, applies retention holdback, and delivers the invoice with a payment link to the owner. Reconciliation flows back into the GL.
Can we handle change orders cleanly?
Yes. COs are tracked separately from base contract but roll up into the same project view. Owner approves the CO; billing reflects it on the next progress draw.
How does retention holdback tracking work?
Configured per contract. The system holds back the contracted percentage on each progress draw, accrues it through the project, and releases on the schedule the contract specifies (typically substantial completion plus a hold period).
Will the system handle ACH for owner payments?
Yes. Owners can pay big draws by ACH instead of card, with significant fee savings. We configure the verification flow and the customer portal.
What about subcontractor payments?
Lien-waiver delivery and sub payment release can be tied together. Sub uploads waiver, payment releases automatically. Risk position for the GC stays clean.
Get a real cost picture for your GC operation.
Send your most recent processor statement and a sample project schedule of values. We will model the ACH conversion savings, the progress billing automation impact, and the retention tracking workflow.
Complimentary Cost AnalysisStatement review, savings projection, and full tech stack recommendations.