You Manage the Subs.
The Money. The Risk.
Now Manage Them as One.
Retainage, sub payments, owner billing, lien waivers, cash flow — every financial workflow a GC runs, unified in a single platform built for how construction money actually moves.
One Billing Cycle. Six Systems. Zero Visibility.
Every month, a GC runs the same gauntlet: bill the owner, process sub invoices, verify compliance, manage retainage, approve payments, chase waivers. Today, each step lives in a different tool — and the handoffs between them is where money gets lost.
Every Module, Through the GC Lens
Six modules, one platform. Each purpose-built for how general contractors manage money — from holding retainage and paying subs to billing owners and forecasting cash.
Hold, Track, Release — On Your Terms
As a GC, retainage is your most powerful risk tool — and your biggest compliance exposure. Metaprise automates withholding on every pay app, tracks balances by sub and project, enforces state-specific rules, and releases only when your conditions are met.
Auto-Withhold per Contract Terms
5%, 10%, custom rates — calculated automatically on every sub pay app. No manual math, no missed withholdings, no disputes over amounts.
Conditional Release Workflows
Release only fires when milestones are complete, punch lists are signed, and compliance docs are verified. Multi-party approval chains route by amount and project.
50-State Compliance Engine
Retainage caps, trust account requirements, release deadlines — enforced automatically. California's 5% cap? Colorado's prompt payment act? Built in.
Retainage Held — by Subcontractor
Bill Owners. Pay Subs. One Workflow.
Upstream, you submit AIA G702/G703 pay apps to owners and track collection. Downstream, you process sub invoices, match them against POs and deliveries, and schedule payments. Metaprise runs both sides through a single billing engine — so the connection between what you collect and what you owe is always visible.
Native AIA G702/G703
Generate pay apps from project data — scheduled values, completion percentages, retainage — with one click. No more Excel templates and manual math.
AI 3-Way Matching
Sub invoice ↔ Purchase Order ↔ Delivery Receipt. AI extracts line items, flags discrepancies, and auto-approves clean matches. Exception-based review only.
Automated Payment Scheduling
Net-30, net-60, milestone-based — payments auto-schedule per contract terms. Optimize timing against your collection forecast to maximize float.
GC Billing Cycle — Airport Terminal B
No Waiver. No Insurance. No Payment.
As a GC, every sub payment carries lien risk. SmartFlow enforces your payment rules before a single dollar leaves your account — lien waiver collected, insurance verified, milestone confirmed, approval chain completed. All automated.
Conditional Payment Gates
Define your rules: lien waiver → insurance cert → PM approval → CFO sign-off (if > $100K). Payment only fires when every gate clears. No exceptions.
Auto-Generated Lien Waivers
Conditional waivers generated with correct amounts and state-specific language. Sent to subs automatically. Unconditional waivers triggered on fund settlement.
Multi-Tier Approval Chains
PM approves < $50K. Controller approves $50K-250K. CFO approves > $250K. Delegation rules for PTO. SLA reminders when approvals stall.
Payment Gate Check — Pacific Electric Co.
See Where Every Dollar Is. On Every Project.
A GC's cash position is a function of owner collections, sub payment timing, retainage holds, and committed costs — across dozens of projects. Metaprise models the full cash waterfall per project, then rolls it up to a portfolio view your CFO can act on.
Project Cash Waterfall
Contract Value → Billed → Collected → Spent → Retainage Held → Available. See the full flow for each project, with timing at every stage.
90-Day Rolling Forecast
Project-level inflows and outflows modeled independently, then rolled up. See which projects are cash generators vs. consumers before month-end surprises hit.
Early Warning System
Alerts when a project's cash trajectory turns negative, when collections slip below threshold, or when committed costs outpace billings.
Cash Waterfall — Airport Terminal B
One Change Order. Track It Everywhere.
When an owner-initiated CO hits your prime contract, it cascades to sub contracts, budgets, retainage calculations, and cash forecasts. Metaprise links prime contracts to subcontracts — so one change propagates automatically through the entire financial chain.
CO Cascade Tracking
Prime CO → which sub COs are triggered? What's the budget impact? How does it change the retainage pool? One view, automatic linkage.
Commitment vs. Actual
Total subcontract commitments vs. actual billings — portfolio-wide. Spot over-committed projects and under-billed subs before they become cash problems.
Retainage Term Management
Track retainage rates, release conditions, and reduction milestones by subcontract. Know exactly when obligations shift — and how much.
CO Cascade — PCO-042
Your Project Funds. Isolated. Protected. Automated.
Each project gets its own virtual sub-account — operating funds separate from retainage, retainage separate from escrow. Payments execute through embedded rails without leaving the platform. Your bank is no longer a separate stop in the workflow.
Virtual Ledger per Project
One master account, unlimited project-level sub-accounts. Operating, retainage, and escrow — logically isolated with full transaction history.
FDIC-Insured Custody
Retainage funds in dedicated custodial sub-accounts with deposit protection. Compliant with state trust accounting requirements.
Embedded Payment Rails
Same-Day ACH, Fedwire, virtual card — all from within Metaprise. SmartFlow gates clear → payment fires on the optimal rail. No bank portal in between.
Virtual Ledger — Project Fund Isolation
Your Entire Financial Operation. One Screen.
This is what opens when your CFO logs in. Every project, every sub payment, every retainage balance, every compliance flag — live, actionable, and in one place.
GC Command Center
What Changes When You Move to Metaprise
Metaprise vs. Your Current Stack
Most GCs run some combination of Procore + Sage + bank portals + Excel. Metaprise doesn't replace Procore's project management or Sage's GL — it fills the financial execution gap between them.
| GC Workflow | Metaprise | Procore + Sage + Excel |
|---|---|---|
| Retainage Execution | Auto-withhold, conditional release, state compliance | Manual tracking in spreadsheets |
| Sub Payment Control | Conditional gates, auto lien waivers, embedded rails | Check runs from Sage, waivers via email |
| Owner Billing | Native G702/G703 generation, auto-retainage | Excel templates, manual calculations |
| Invoice Matching | AI 3-way match, exception-based review | Manual comparison across 3 systems |
| Cash Visibility | Real-time per-project waterfall + 90-day forecast | Monthly reconciliation, 2 weeks stale |
| CO Impact Tracking | Auto-cascade: prime → sub → budget → retainage | Manual updates across Procore + Sage |
Run Your Projects. We'll Run the Money.
See how Metaprise manages retainage, sub payments, owner billing, lien waivers, and cash visibility — unified in one platform built specifically for general contractors. 30-minute demo.
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