For commercial trade subcontractors
RetainChase drafts polite, escalating follow-ups for every overdue pay app and retainage balance — friendly, then firm, then a retainage release request. You approve every message. Your aging dashboard shows exactly who owes what.
of subcontractors covered payroll out of pocket while waiting on payment
waited more than 90 days to collect retainage
missed a lien deadline in the past year
Source: Siteline 2026 subcontractor payment survey, as reported by Contractor Magazine.
CSV from QuickBooks/Sage/Foundation, a pay app PDF, or manual entry.
0–30, 31–60, 61–90 and 90+ buckets, plus retainage held.
Friendly → firm → retainage release. Edit, then approve.
Copy or export approved messages and send from your own inbox.
One recovered retainage check pays for a year.
Try it on your worst-paying GCs.
For subs with a steady stream of pay apps.
For multi-PM shops and larger backlogs.
Commercial trade subcontractors — electrical, mechanical, plumbing, drywall, concrete, glazing, fire protection and similar — roughly $1–20M in revenue, who bill general contractors monthly with pay applications and have retainage held.
No. Every follow-up is a draft until you approve it, and approved messages are copied or exported so you send them from your own email. Direct sending is planned but off by default.
Upload a CSV export from QuickBooks, Sage, Foundation or a spreadsheet, upload a pay app or invoice PDF and let AI pull out the GC, project, amount, retainage and dates, or type a job in by hand.
No. RetainChase does not track or calculate mechanics' lien or notice deadlines and is not legal advice. Use a lien service or construction attorney for that.
Up to 3 active jobs with AI follow-up drafts and the aging dashboard. No credit card required.
Pro is $149/month for up to 25 active jobs. Team is $299/month for unlimited active jobs. Paid plans are opening soon — join the waitlist.