Getting paid as a sub means submitting paperwork, waiting in silence, providing more paperwork, waiting again, and eventually calling the GC's AP department. Every step is reactive. Every delay costs you money. Here's the cycle you know too well.
The same six steps — but now you have visibility, control, and speed at every stage.
Metaprise has six modules. For GCs, they're tools of control. For you, they're tools of visibility — showing you exactly where your money is, why it's delayed, and when it's arriving.
As a sub, retainage is money you've earned but can't touch — sometimes for months or years after the work is done. Metaprise shows you exactly how much every GC is holding, what conditions must be met for release, and when state deadlines force their hand.
See total retainage owed to you across every GC, every project, with cumulative balances and release timelines in one dashboard — not scattered across spreadsheets.
See the exact conditions that must be met before release — substantial completion, punch list, final inspection, warranty period — and which ones have already been satisfied.
Many states require retainage release within specific timeframes. Metaprise tracks these deadlines and alerts both parties — so the law works for you, not just against the GC.
Every month you fill out the same Excel G702 template, calculate retainage manually, email it to 6 different GCs in 6 different formats, and then wait — with zero visibility into whether they've opened it, reviewed it, or rejected it. Metaprise replaces the entire process.
Build pay applications in the standard AIA format directly in Metaprise. Scheduled values, percentage complete, retainage — all auto-calculated from your project data. No Excel template, no manual math.
See exactly where your pay app is: Submitted → In Review → Approved → Scheduled → Paid. When there's a correction request, you see it immediately — not 2 weeks later via email.
Complete history of every pay app: submitted dates, approval dates, payment dates, corrections, and disputes. Documentation that protects you if a disagreement arises.
For GCs, SmartFlow is an enforcement tool — gates that block payment until conditions are met. For you, it's a visibility tool. You see the same gates the GC sees: which ones you've cleared, which are pending on their side, and what's actually holding your money.
See every condition that must pass before your payment executes. Lien waiver? Submitted. Insurance? Current. PM approval? Pending on GC's side. You know exactly what's holding things up.
Upload lien waivers, insurance certificates, and compliance docs directly through the portal. E-signature built in. State-correct forms auto-generated. One upload clears the gate.
When all gates clear, you see the exact payment date, payment rail (ACH/wire), and expected settlement time. No more "check is in the mail." Real dates. Real visibility.
You know what you've billed. What you don't know is when you'll actually collect. Each GC pays on different schedules, holds different retainage, and has different approval delays. Metaprise builds your cash forecast from actual GC payment patterns — not contract terms.
See expected collection dates by project and GC, based on their actual payment history — not the Net-30 they promise. "Apex pays in 22 days. Turner averages 41."
Each retainage hold has a projected release date based on project completion, conditions met, and state deadlines. See a rolling calendar of when trapped cash becomes available.
When projected outflows (payroll, materials, equipment) exceed projected inflows, Metaprise alerts you weeks in advance — so you can accelerate collections or adjust commitments.
You work under subcontracts with 6 different GCs, each with different retainage percentages, payment terms, and change order processes. Metaprise gives you one view of your entire subcontract portfolio — what's committed, billed, collected, and still owed.
All your subcontracts in one place: contract value, billed to date, collected, retainage held, remaining scope — by GC, by project, by trade. No more separate tracking per GC.
When a GC issues a change order, see the impact on your scope, contract value, and retainage. Track whether the GC has actually increased your subcontract to match the additional work.
For every subcontract: how much work you've completed, how much you've billed, how much you've actually collected, and the gap between them. Your underbilling problem, quantified.
No more mystery deposits. No more calling the GC to ask "what was that $47K deposit for?" Metaprise delivers payments with full remittance detail — which invoice, which project, progress vs. retainage — directly to your account on the fastest available rail.
Same-day ACH for standard payments. Wire for large or urgent amounts. The GC's SmartFlow picks the best rail — you receive the money faster than a paper check ever allowed.
Every payment arrives with complete detail: invoice number, project, line items paid, retainage withheld, deductions. No more reconciling mystery deposits against multiple invoices.
When retainage release conditions are met, funds move from the GC's custodial sub-account directly to you. No additional invoicing. No paper check delays. Automatic and immediate.
You don't have a "tech stack." You have email, phone calls, Excel templates, and hope. Here's what changes when you replace that with a platform built for how subs actually get paid.
| Sub Workflow | Metaprise | Email + Phone + Excel |
|---|---|---|
| Pay App Submission | Digital, auto-calculate, instant delivery | Excel template, email, wait for confirmation |
| Approval Tracking | Real-time status, gate-by-gate visibility | Call GC, send follow-up emails, wait |
| Retainage Tracking | Portfolio view, release conditions, forecast | Spreadsheet if you're lucky, nothing if not |
| Compliance Docs | Portal upload, e-signature, state-correct | Email PDFs, chase signatures, re-send |
| Payment Visibility | Exact date, rail, full remittance detail | "Check is in the mail" — mystery deposits |
| Cash Forecasting | Project-level, data-driven, gap alerts | Gut feel + bank balance |
See how Metaprise replaces your email chains, phone calls, and spreadsheets with one platform that shows you exactly where your money is and when it's arriving. 30-minute demo tailored to your trade.
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