Stop financing other people’s renovations out of your own account.
The full contract is funded before you break anything. Materials are paid straight to your supplier. Draws clear when the homeowner approves the work — and if they go quiet, a clock releases it anyway. You write the quote; nobody hands you terms.
Funded before day one. You can see the balance before you order materials.
Out of your pocket for materials the homeowner is buying — suppliers are paid direct.
Optional advances against submitted work on jobs over $15,000, at 1.5%.
This product is sold to homeowners as protection. That doesn’t make you the suspect.
A homeowner is the nervous party in a renovation, so they’re the ones who start a project here. We’re not going to pretend otherwise on a page you’re reading.
But the mechanism is symmetrical, and the half nobody markets to you is the half that matters: a funded project balance is the strongest signal you will ever get that a homeowner can actually pay. No chasing a deposit. No 60-day invoice. No discovering in week six that the money was always going to be tight.
And the record you build here is portable proof of that — finished projects, approved milestones, no disputes — which is worth more on the next job than any advertising you could buy with the same money.
Six things, and four of them are about cash.
You write the quote
Milestones, amounts, deliverables, acceptance criteria, exclusions — all yours. The total is derived from your schedule, so it can never disagree with the sum of its parts. The quote is a proposal: it can’t bill anyone, and the homeowner still has to accept and fund it.
Materials never touch your account
Where a milestone is a supplier’s materials package, the project balance pays that supplier by name. You’re not floating a cabinet order on a card, and you’re not explaining to a homeowner why their money went somewhere with your name on it.
A clock, so silence isn’t a weapon
Submit completed work with evidence and a countdown starts. If the homeowner never responds, the milestone releases on its own and the record says it was the clock, not an approval that didn’t happen. Two honest caveats: raising an issue stops it, and it will not release your first draw — silence shouldn’t buy an unearned deposit in either direction.
You can counter the schedule
If the sequence starves you — materials go straight to the supplier, so your own first money can be three weeks out while you’re carrying wages — counter it. Move money earlier in the schedule. A counter reshapes the schedule; it never changes the price. Before funding it isn’t even a change order, because there’s no funded balance yet to disagree with.
Weekly cash flow, if you want it
On jobs over $15,000 you can draw weekly against work you’ve already submitted with evidence, at 1.5%. Read the next section for why this comes off our balance sheet and not the homeowner’s project balance — the distinction is the entire product.
A dispute is scoped, not total
A homeowner holding back has to hold back a specific line item; the rest of the milestone still pays. If it escalates, a reviewer weighs it against the acceptance criteria you wrote — and a line item with no measurable criterion goes to you, because the burden sits with whoever is holding money back.
We won’t pay you early out of the homeowner’s project balance.
Plenty of platforms would. Paying you weekly for work nobody has approved yet, using the money a homeowner deposited specifically so that couldn’t happen, under a header promising the opposite — that recreates the exact risk the product exists to remove.
So the weekly advance is our money, lent against work you’ve already submitted with evidence. The project balance still releases on its original schedule. The homeowner’s approval still decides. And if a milestone ends up held, we recover it from your later draws — not from them.
That is real credit risk on our side, which is why access to it depends on your standing. It also means we’re never quietly on the other side of your customer.
Your record governs money in both directions.
A new account has to look new. Padding a first-day record would make a thirty-four-job record worthless — and that record is the thing we’re actually selling you.
| Tier | First draw cap | Materials money | Weekly advances |
|---|---|---|---|
| New No funded projects yet | 10% of the job | Supplier-direct, required | Not available |
| Established A short completed record | 25% | Supplier-direct by default | Available |
| Trusted A long completed record | 40% | Your choice | Available |
Ratings aren’t stars. They’re checkable yes/no answers — would you hire them again, were they on schedule, were they on budget. A five-star average is the weakest evidence on a screen that also carries a board-verified licence number. Only a homeowner who funded a project here can leave one, so they can’t be bought.
An escalated dispute does not move your tier. You can be right in one. Penalising you for defending yourself would just teach you to concede, and we’d rather know what actually happened.
Not yet built: a right of reply to a rating. It should exist and it doesn’t. It’s on the list before ratings go public.
A licence sets a ceiling, not a badge.
Plenty of legitimate work is done without a state licence, because plenty of states don’t require one below a threshold. So we don’t ban unlicensed contractors where the state permits them — we cap the quote you can issue at what your state actually allows, and we say on the homeowner’s screen what’s missing.
Capped at $40,000 unlicensed
Licence tiers run Limited, Intermediate and Unlimited by project value. The cap protects your invoice as much as the homeowner: North Carolina courts won’t enforce an unlicensed contractor’s contract where a licence was required, so an unlicensed $60,000 job can leave you unable to collect.
Capped at $3,000 unlicensed
DOPL licensing kicks in above $7,000, with a handyman affirmation between $3,000 and $7,000. And the homeowner’s screen tells them plainly whether their contractor is licensed. Expect to lose jobs to that, because you should.
No cap — and no state GC licence
Texas doesn’t license general contractors at all; trades run through TDLR. So there’s no ceiling to apply, and the signal becomes your Secretary of State registration, your insurance, your city registration and your subcontractors’ trade licences. Those are the verification here.
Five steps, and the money story comes before any form.
- 1 — What you’re signing up for
- The fee bands, how you get paid, and exactly what a homeowner sees when they look you up. Before you type anything.
- 2 — Your phone
- A number and a code. That’s the whole account. No password.
- 3 — Credentials
- Licence, insurance, business registration. We check these against the issuing board rather than taking your word for it — that check is the homeowner’s only real signal.
- 4 — Payout account
- Locked at verification, with the account holder’s name matched against your verified business.
- 5 — Go live
- Your code and QR resolve to your verified record, and you can issue a quote — or text the link to it from your own phone when they aren’t in front of you.
Verification gates being found, not signing up
You can open an account in a minute. But nothing resolves to your lookup code until the checks pass, because that record is the only thing standing between a homeowner and whoever printed the nicest business card.
Why we ask for ownership details
Beneficial ownership and business verification are requirements of the money rail we use, not our curiosity about your company. We say so on the screen where we ask, because “because we have to” is a better answer than no answer.
Changing your payout account is a security event
Re-verification, a 24-hour freeze, and a notice to every open project. Payment diversion — a convincing message asking someone to send the money somewhere new — is the top fraud in construction. The friction is aimed at the person impersonating you.
You never build into a contract that can vanish
The homeowner has a statutory window to cancel after signing. Nothing releases while it’s open, which protects you too: you aren’t sinking labour into an agreement that can be rescinded out from under you. On small jobs the work can finish before the window does — we tell you that up front rather than letting you find out in a finished garden.
You pay it, and it comes out of the first draw that pays you.
The homeowner pays nothing and funds exactly your quote total. You pay a flat fee by project size, netted from the first release that pays you — never from a supplier’s materials draw. The platform is never paid before you are, and if a project is cancelled before your first draw it costs nobody anything.
The reason it’s yours is authorship. You write the quote, so the fee is a line in a document you wrote, at a number you chose to work at. Nobody can ambush you with it at the worst possible moment.
See the bandsWe need ten contractors who already do good work.
The first ten projects pay no fee. In exchange we want you to tell us where the flow is wrong — we would rather hear it from you now than from a homeowner later.