Get paid in days. Not months.
PhaseContract structures your jobs into funded phases. Clients commit payment before work starts. No invoices. No chasing. No writing off 5–9% of your revenue to clients who don't pay.
No credit card to sign up.
Real payouts — client-approved phases with expected payout dates
Find your bracket. See what it's really costing you.
Numbers based on industry data — over half of invoices paid late, 83-day average collection, up to 9% written off.
$60K – $120K
Remodels · Installs · Specialized trade work
8-12 jobs/mo · $600–$1,500 avg
The reality
You're making real money — but the cash is always 60 to 90 days behind the work. You finish a $1,200 bathroom install in week one, buy $800 in materials for the next job in week two, and the first invoice still hasn't been paid. That gap compounds every month.
You've started turning down profitable work because your capital is locked in receivables. You're spending 1.5 days a week on admin and chasing payments instead of billable work. At your rate, that's $15,000–$25,000 in lost revenue opportunity every year.
And then there's the stress you can't bill for. The client who "forgot." The check that's "in the mail." The conversation with your partner about whether you can afford materials for Monday's job. This is where the compounding spiral starts — late payment leads to borrowing, which leads to interest costs, which leads to thinner margins, which leads to higher bids, which leads to lost work.
What it costs you
Hidden annual cost
~$18,000–$28,000
Up to 9% of revenue written off + all the stress of chasing it
With PhaseContract
Card on file before you start. Each phase charged and held. Payout released when work is approved. No receivables. No chasing. No spiral. You quote the real price because you know you'll get paid.
Plus standard card processing. No subscriptions.
82% of small business failures cite cash flow. Not skill. Not demand. Cash flow.
Up to 9% of revenue written off + all the stress of chasing it. Or 2.5% + no stress.
Sources: Levelset 2022, Rabbet 2024, Atradius, Levelset 2020
From chaos to system
How a phasecontract replaces the guesswork
You just saw the numbers. Here’s how to stop being one of them.
Describe the job
Voice or text. AI structures it into phases with scope, pricing, and required documentation. Review and adjust before sending.
Without
Manual quotes, spreadsheets, scribbled estimates
With
AI structures it from your voice in seconds
Send a link. Get commitment.
Your client sees the full scope, authorizes their card, and the payment structure is locked in. Money is secured before you start.
Without
Handshakes, verbal promises, 83 days of waiting
With
Card on file, payment locked in before you start
Work. Submit. Get paid.
Complete a phase, submit with photo evidence. Your client has 72 hours to review — no response means auto-approved. Payout releases to your bank account.
Without
Invoice, chase, text, email, wonder, write it off
With
Auto-approved in 72 hours, payout to your bank
Without a phasecontract
The money talk happens twice. Once before you pick up a tool — and then again after you’ve worked for days, trying to get paid for work already done.
With a phasecontract
It happens once. Before work begins. Then you both move on and focus on the job.
Stop chasing. Start building.
| Invoicing | Handshake | Paper contract | PhaseContract | |
|---|---|---|---|---|
| Get paid | 30–90 days | Whenever they feel like it | When they honor the contract | Per phase, in days |
| Client commitment | None | Their word | Signature on paper | Card authorized before work starts |
| Setup | Manual quotes + invoices | Nothing | Draft, negotiate, sign | Describe by voice — AI builds it |
| Dispute protection | None | None | Hire a lawyer | Photo evidence + full audit trail |
| Scope changes | Awkward conversation | Argue about it later | Amend the contract | Change orders with client approval |
| What if they ghost you | Write it off | Write it off | Take them to court | 72-hour auto-approve — you get paid regardless |
Invoicing
Get paid
30–90 days
Client commitment
None
Setup
Manual quotes + invoices
Dispute protection
None
Scope changes
Awkward conversation
What if they ghost you
Write it off
Handshake
Get paid
Whenever they feel like it
Client commitment
Their word
Setup
Nothing
Dispute protection
None
Scope changes
Argue about it later
What if they ghost you
Write it off
Paper contract
Get paid
When they honor the contract
Client commitment
Signature on paper
Setup
Draft, negotiate, sign
Dispute protection
Hire a lawyer
Scope changes
Amend the contract
What if they ghost you
Take them to court
PhaseContract
Get paid
Per phase, in days
Client commitment
Card authorized before work starts
Setup
Describe by voice — AI builds it
Dispute protection
Photo evidence + full audit trail
Scope changes
Change orders with client approval
What if they ghost you
72-hour auto-approve — you get paid regardless
Scroll to compare →
Do good work. Earn trust. Unlock more.
Trust is earned over time — every completed job builds your track record. Higher tiers unlock bigger jobs, faster payouts, and more.
Starting out
- $5,000 per phase
- $10,000 per job
- +20% change order buffer
- 7-day payout hold
3+ jobs, $5K volume
- $12,500 per phase
- $25,000 per job
- +20% change order buffer
- ~3 business day payouts
10+ jobs, $25K volume
- $25,000 per phase
- $50,000 per job
- +20% change order buffer
- ~2 business day payouts
- Reduced platform fees — coming soon
Change order buffer is 20% of your job total — room for scope changes without hitting the cap. Small changes (under 10% of a phase) auto-approve after 72 hours; larger ones need client sign-off. Payout timing starts after approval. No applications. No reviews. Just do good work.
Fair cancellation
Same rules. Both sides.
Either party can request cancellation. The other party chooses how to respond. If both agree, it's instant and free. If there's a dispute, the requesting party pays a small fee — and you get to finish your current work.
Clean exit. No fee.
No feeBoth sides agree to walk away. The job closes immediately. Your client is refunded for any unfinished work. You keep payment for completed phases.
Your client sees the same rules. The same fee applies regardless of who initiates. Cancellation fees are settled directly between you and your client.
No response within 3 days? The request is automatically accepted as a mutual cancellation — no fee.
Straight answers
You don't have to pitch it — send them the link. The page walks them through everything: scope, payments, protections. But here's how to think about it: without a phasecontract, the money talk happens twice — once before work starts, and then again after you've done the work, trying to get paid. With a phasecontract, it happens once. Before you pick up a tool. Most clients prefer that.
All major credit and debit cards. 3D Secure authentication on every payment. International cards are accepted — standard cross-border fees may apply.
The client is notified and can update their card. Failed payments don't block your other work. We track and retry automatically.
Standard: ~7 business days after approval. Fast: ~3 business days. Priority: ~2 business days. Actual timing depends on payment processor settlement.
Email address and a Stripe account (we'll walk you through it). No credit card required. Takes about 90 seconds.
2.5% + $0.50 per payment (phases, deposits, and change orders), plus standard card processing. No subscriptions, no monthly fees. Your client always pays the exact quoted price — no fees on their end.