One fee. The contractor pays it. It comes out of their first draw.
No subscription, no monthly minimum, no percentage of the homeowner’s money. The homeowner funds exactly the quote total and pays nothing to us, ever.
The first ten pilot projects pay no fee at all.
$0
Looking up a contractor, reading their quote, opening the project, funding it, approving milestones, raising a dispute, every generated document, the closeout package — all of it, no charge.
You fund the quote total. Financing splits, if you use them, compute against that one number. There is no line item on your side for us to hide in.
A flat fee, by job size
Netted from the first release that pays you — never from a supplier’s materials draw. The platform is never paid before you are.
Cancel before your first draw and it costs nobody anything. There is no fee for issuing a quote that gets declined.
Flat above $10,000. A percentage below it.
| Contract total | Fee | Effective rate | How it’s charged |
|---|---|---|---|
| Under $10,000 | 2.9%, minimum $25 | 2.9% | Percentage |
| $10,000 – $25,000 | $299 | 1.2% – 3.0% | Flat fee |
| $25,000 – $75,000 | $499 | 0.7% – 2.0% | Flat fee |
| $75,000 – $150,000 | $899 | 0.6% – 1.2% | Flat fee |
| Above $150,000 | $1,499 | Under 1.0% | Flat fee |
Why flat, and not a percentage
A percentage reads as a tax, and it gets ugly at the top: 1% of a $150,000 renovation is $1,500 for work that costs us barely more than a $30,000 one. Flat pricing means the big job subsidises nothing and you always know the number before you quote.
Why 2.9% specifically, below $10,000
Because it makes the two schemes meet instead of collide. 2.9% of $10,000 is $290, just under the $299 band above it — so the fee only ever rises with job size, and there is no size at which splitting one contract into two saves money. A cliff there would invite exactly the thing that voids both contracts. The $25 floor exists because a percentage of a very small number doesn’t cover a bank transfer.
A $48,500 kitchen, start to finish.
| Event | Amount | Who it touches |
|---|---|---|
| Homeowner funds the project | $48,500 | Exactly the quote total. No fee added. |
| Milestone 1 — cabinet package | $6,300 | Paid direct to the supplier by name. No fee netted here. |
| Milestone 1 — contractor’s labour | $3,300 | Released to the contractor |
| Milestone 2 — first substantial draw | $9,600 | Fee netted here: $499 → $9,101 deposited |
| Remaining milestones | $29,300 | Released on approval, no further fee |
| Total the homeowner pays | $48,500 | Total the contractor pays: $499 |
The ledger stays gross. The project balance shows $9,600 released, because that is what left the homeowner’s balance. The contractor’s payment history shows the netting in full — $9,600 released, $499 fee, $9,101 deposited — because a number that appears in your bank account and nowhere in the app is how trust in an app like this dies.
Weekly advances — 1.5%
Optional, contractor side, jobs over $15,000 only. Draw weekly against work you’ve already submitted with evidence, rather than waiting for the milestone to be approved.
Below $15,000 we don’t offer it, because the milestones are already close together and it would be a fee for nothing.
This is our money, not the homeowner’s project balance. See the contractor page for why that distinction is the whole product.
What we don’t charge for, and won’t take
- Any fee at all on the homeowner’s side
- Quotes that get declined
- Documents, waivers, change orders, closeout packages
- Raising or defending a dispute
- Card funding — we block it. Card fees on a $48,500 job would run past $1,400, nearly three times the fee itself. It would also drag payment-card compliance across the whole product for no benefit to anyone.
We’re not the lender, and we don’t make money on your interest.
A homeowner can fund the project through Affirm or Klarna instead of, or alongside, a bank transfer. We are not the lender: approval, rate and terms are theirs, and their disclosures govern.
Lender caps are real and we model them honestly. Neither lender covers a $48,500 kitchen on its own, so the app splits the funding — a lender leg and a bank leg into the same project balance. That’s legitimate here because the project ledger is ours rather than a store checkout.
Two disclosures sit on that screen that ordinary instalment checkout doesn’t need: you are borrowing for work that hasn’t happened yet, and if the project ends early the unreleased balance refunds to the lender, not to you as cash — and it does not unwind interest already charged.
Subject to change during the pilot. Card networks and lenders charge us differently, and the economics of a financed project are not settled yet. If the fee has to differ for financed jobs we will publish it here before it applies to anyone, not after.
The first ten projects are free.
We’d rather buy honest feedback than revenue on the first ten.