See what freed-up holdback could mean for your book.
An illustrative tool for trade subcontractors. Not a quote. Not an approval.
Enter one holdback — or several, each with its own amount and months outstanding. The tool calculates interest on each advance, totals borrowing cost, and compares that to growth you believe you could earn from the capital accessed.
How to use it
Your inputs.
- Set the advance % of holdback (default 50%) and an illustrative cost of capital in the 20–30% band (default 24%).
- Enter one holdback amount and months outstanding — or add rows for multiple holdbacks, each with its own amount and timing.
- Read per-line advance and interest, then the totals for holdback face, capital advanced, and interest expense.
- In the growth sketch, enter extra jobs, average job size, and contribution margin you believe the freed capital could support. Compare extra contribution to total interest.
Then talk to us about a real file. The tool does not replace underwriting.
Illustrative only. Interest uses simple annualized math on each advance for its own months outstanding. The cost-of-capital control is an illustrative borrower-specific range — not a rate card, quote, or offer. Actual advance amounts, rates, and fees are set in underwriting and definitive documents.
Global controls apply to every holdback
Illustrative cost of capital. Subtrade pricing varies by borrower. Sketch within a typical 20–30% annualized range. This is not a quote and not an offer. Per-line interest = advance × rate × (months ÷ 12).
Holdbacks amount + months per row
| Label | Holdback ($) | Months | Advance ($) | Interest ($) | Remove |
|---|---|---|---|---|---|
| Totals | — | — | |||
Summary aggregates
Total holdback face
—
Sum of holdback amounts
Capital advanced
—
At 50% advance
Interest expense
—
Sum of per-holdback interest
Interest is the sum of per-holdback interest on the advances above (simple interest, annualized). It is not a quote.
Growth sketch your assumption
What extra work do you believe you could take if that capital were accessible? Growth is your assumption — not a figure the advance mechanically produces.
sum of per-holdback interest
Contribution margin means revenue less direct job costs — not gross or net margin. Capacity (crew, bonding, working capital) still constrains how much extra work you can take.
A general illustration of how freeing up holdback cash can lift throughput — not a forecast, offer, or financial advice. Enter one or more holdbacks with amount and months outstanding; interest is calculated per line on the advance (holdback × advance %), then summed. The illustrative cost-of-capital slider (typical 20–30% annualized range) and advance % are sketch inputs — not a rate card, quote, or offer. No fees or fixed product LTV are published here. Actual terms are set in underwriting and definitive documents. Extra jobs in the growth sketch are a management assumption, not a calculated output.
Ready to talk about a specific holdback?
If the sketch looks useful, send a short application. We review bonded status, invoice standing, and project facts before we talk terms.