Construction AR Automation — 14-Day Free Trial

Construction Companies Lose $40B+ to Retainage Holds Every Year

AI-powered pay app automation, retainage tracking, and lien deadline management — built for contractors tired of waiting 83 days to get paid.

83 days

DSO reduced from 83

62%

Pay app rejections eliminated

50 states

Lien deadlines tracked

Schedule Your Construction AR Assessment Talk to a Specialist

Sage 300 CRE Procore Viewpoint AIA G702/G703 SOC 2

Singoa — Pay Application Tracker

$0M

Billed This Month

$0K

Pending Approval

$0M

Retainage Held

Lien Deadlines (30d)

Pay AppProjectGCSOV AmtRetainageNet DueStatus

PA-2847Riverside Mixed-UseTurner Construction$184,500$9,225$175,275Approved

PA-2848Metro Transit Ph2Skanska USA$267,000$13,350$253,650AI Generating

PA-2849Harbor Bridge RehabKiewit Corp$92,300$4,615$87,685Submitted

PA-2850Parkview ElementaryGilbane Building$43,750$2,188$41,562Retainage Due

PA-2851Downtown OfficeHensel Phelps$156,800$7,840$148,960Overdue 12d

Next lien deadline: TX — Harbor Bridge — 14 days

The Construction Payment Crisis

Why Construction Has the Worst Cash Flow of Any Industry

Progress billing, retainage holds, lien deadlines, and multi-party payment chains create a construction cash flow management nightmare that costs contractors billions annually.

83 days

Average construction DSO

Source: CFMA Financial Survey 2024

$40B+

Retainage held industry-wide

Source: ASA Retainage Report

62%

Pay apps rejected first submission

Source: Levelset Payment Survey

38 states

Require preliminary lien notices

Source: Levelset State Requirements

Without Singoa

✕Manually fill AIA G702/G703 in Excel — 4-6 hours per pay app
✕Track retainage in spreadsheets — miss release deadlines
✕Lien deadlines tracked on sticky notes — miss filing windows
✕Chase GCs with phone calls — no visibility into approval status
✕Change orders manually reconciled — billing errors and disputes
✕Pay app rejected — restart 2-week cycle from scratch

With Singoa

AI auto-generates G702/G703 from SOV — 15 minutes per pay app
Automated retainage tracking with release condition alerts
State-specific lien deadline engine — 50-state coverage
Real-time pay app status dashboard — AI-timed follow-ups
Change orders auto-reconciled into next billing cycle
AI pre-validates before submission — 62% fewer rejections

Who This Is For

Built for Every Role in Construction Billing

Whether you manage a $5M pipeline or a $500M portfolio, Singoa adapts to your billing workflows and scales with your project volume.

General Contractors

Managing 10+ active projects with complex multi-tier billing. You need AIA G702/G703 automation, retainage tracking across dozens of subcontracts, and real-time visibility into your entire AR pipeline from a single dashboard.

Specialty Subcontractors

Electrical, mechanical, plumbing, or steel contractors billing through general contractors. You deal with conditional lien waivers, retainage holds eating into your cash flow, and pay app rejections that restart 2-week billing cycles.

Construction CFOs & Controllers

Responsible for cash flow forecasting, bonding capacity, and financial reporting across a portfolio of projects. You need DSO reduction, automated retainage release tracking, and audit-ready documentation for surety companies.

Project Billing Coordinators

Spending hours manually filling AIA forms in Excel, chasing GCs for approval status, and tracking lien deadlines on spreadsheets. You need automation that eliminates repetitive work and prevents costly filing deadline misses.

How It Works

Get Started in 3 Simple Steps

From ERP connection to faster collections — construction billing automation that delivers results in days, not months.

STEP 01

Connect Your ERP

Connect Sage 300 CRE, Viewpoint, Procore, or any construction ERP via API. Import your Schedule of Values, project data, and existing AR. Setup takes under 15 minutes.

Sage 300 CRE · Viewpoint · Procore · CMiC

STEP 02

AI Automates Billing

Singoa scans your projects and auto-generates AIA G702/G703 pay applications, tracks retainage release conditions, monitors lien deadlines across all 50 states, and flags change order impacts.

Pay Apps · Retainage · Lien Tracking · Change Orders

STEP 03

Collect Faster

Watch your DSO drop from 83 to 45 days. AI-timed collection sequences, automated payment reminders, and predictive payment scoring ensure you get paid on time — no more chasing GCs.

83→45 day DSO · 94% first-submission approval

Product Capabilities

Built for How Contractors Actually Bill

Not generic invoicing software. Purpose-built for progress billing, retainage, lien management, and the multi-party payment chains unique to construction invoice management.

AIA G702/G703 Pay App Generation

Singoa reads your Schedule of Values, calculates completed work and stored materials, applies retainage, and generates compliant AIA G702/G703 pay applications in minutes — not hours.

Auto-populate from SOV and project data

Calculate % complete with AI verification

Apply retainage rates per contract terms

Generate continuation sheets (G703) automatically

Track change order impacts on billing

Submit digitally to GC portals

AIA G702 — Pay Application Generator

Application for Payment

Riverside Mixed-Use — Pay App #12

Period: Feb 1-28, 2026

Contract: $718,500

#DescriptionScheduledPrevCurrent% CompRetainage

01Structural Steel$284,000$198,800$42,600

85%

$14,200

02Concrete Foundation$156,500$140,850$15,650

100%

$7,825

03Electrical Rough-In$92,000$46,000$23,000

80%

$4,600

04HVAC Ductwork$118,200$59,100$29,550

75%

$5,910

05Plumbing$67,800$27,120$20,340

75%

$3,390

$131,140

Current Payment Due

$35,925

Retainage Held (5%)

$603,010

Total Completed

Inside the Platform

See Singoa in Action

Real screenshots from the Singoa platform — AI-powered AR automation with construction-specific billing, retainage tracking, and payment reconciliation built in.

AR Dashboard

Singoa construction project management with AIA billing, progress tracking, and retainage held per project

Project Billing

Payment Matching

Measurable Impact

The ROI of Construction AR Automation

25-35%

DSO Reduction

From 83 days to 54-62 days average

50-70%

Pay App Processing

Reduction in billing admin time

94%

First-Submission Approval

Up from 38% industry average

Estimate Your Savings

Monthly Billing Volume

$/ month

$219K

DSO Improvement

$90K

Faster Retainage Release

$42K

Admin Time Saved

Estimated Annual Savings

$351K

Customer Results

Trusted by Construction Companies

See how contractors and subcontractors are transforming their cash flow with AI-powered AR automation.

“We cut DSO from 78 to 41 days in the first quarter. The AI-generated pay apps get approved on first submission now — our rejection rate dropped from 55% to under 8%.”

37-day DSO reduction in 90 days

Marcus Rivera

CFO, Rivera Mechanical Contractors

$42M annual revenue · Commercial HVAC

Integrations

Connects to Your Existing Stack

API-based integrations with the construction ERPs and PM tools you already use. No middleware, no manual exports. Subcontractor billing automation and construction invoice management built in.

Construction ERP

Sage 300 CRE

Sage 100

Foundation

Viewpoint Vista

Viewpoint Spectrum

CMiC

Jonas

Project Management

Procore

Buildertrend

PlanGrid

Autodesk Build

Accounting

QuickBooks

Xero

Banking & Payments

Plaid

ACH

Check Print

Communication

Gmail

Outlook

Slack

Teams

Compliance

Construction-Specific Compliance Built In

Bonding, certified payroll, prevailing wage, and lien law compliance — automated and tracked across every project.

Bonding & Surety Compliance

Track bonding capacity utilization, generate reports for surety companies, and maintain documentation required for bid bonds, performance bonds, and payment bonds.

Certified Payroll Tracking

For public projects requiring Davis-Bacon compliance, track certified payroll submissions alongside pay applications. Flag missing certifications before pay app submission.

Prevailing Wage Documentation

Maintain prevailing wage rate documentation and ensure billing reflects correct labor classifications. Auto-flag discrepancies between billed rates and prevailing wage requirements.

Lien Law Compliance

State-specific mechanics lien compliance across all 50 states. Auto-generate preliminary notices, track filing deadlines, and manage conditional/unconditional waiver workflows.

Retainage Law Compliance

Track state-specific retainage caps and reform laws. Texas, Ohio, and other states have enacted retainage reform — Singoa ensures your billing complies with current regulations.

Audit Trail & Documentation

Complete audit trail of every pay application, change order, lien waiver, and payment. SOC 2 Type II compliant infrastructure with role-based access controls.

Security

Enterprise-Grade Data Protection

Your financial data is protected with the same security standards used by banks and Fortune 500 companies.

SOC 2 Type II Certified

Annual third-party audits verify our security controls for data handling, access management, and incident response.

AES-256 Encryption

All financial data encrypted at rest and in transit. Bank-grade TLS 1.3 for every connection.

Role-Based Access Controls

Granular permissions by user role — project managers, controllers, and executives see only what they need.

Data Residency & Backup

US-based data centers with automated daily backups and 99.9% uptime SLA. Your financial data never leaves US soil.

Comparison

Singoa vs Other Billing Tools

GCPay, Siteline, and Textura digitize forms. Singoa delivers full AI-powered construction AR automation.

Feature	GCPay	Siteline	Textura
AIA G702/G703 Generation
AI-Powered Pay App Creation	—	—	—
Retainage Tracking & Alerts	Partial
Lien Deadline Management (50 states)	—	—	—
Predictive Payment Scoring	—	—	—
Automated Collection Sequences	—	—	—
Change Order Reconciliation	Partial
ERP Integration (Sage, Viewpoint, CMiC)		Partial
Real-Time DSO Analytics	—	—	—
AI-Timed Payment Reminders	—	—	—

Key Terms

Construction Billing Glossary

Retainage

A percentage (typically 5-10%) withheld from each progress payment on a construction project until the work is substantially complete. Retainage protects the project owner and general contractor against defective work but creates significant cash flow strain for subcontractors — industry-wide, over $40 billion is held in retainage at any given time.

AIA G702/G703

The standard pay application forms published by the American Institute of Architects. The G702 (Application and Certificate for Payment) summarizes the payment request, while the G703 (Continuation Sheet) breaks down work completed by line item from the Schedule of Values. These forms are the industry standard for progress billing on commercial construction projects.

Mechanics Lien

A legal claim against a property by a contractor, subcontractor, or material supplier who has not been paid for work performed or materials furnished. Mechanics lien laws vary by state — deadlines range from 30 to 120 days, and 38 states require preliminary notices before a lien can be filed. Missing a filing deadline means losing your lien rights permanently.

Schedule of Values (SOV)

A detailed breakdown of the total contract amount into individual line items representing specific work activities or cost categories. The SOV is the foundation for progress billing — each pay application reports the percentage of completion and dollar amount earned for each line item. Accurate SOV management is critical for construction cash flow management.

Progress Billing

A billing method where contractors invoice for work completed during a specific period rather than waiting until project completion. Progress billing uses the Schedule of Values to calculate earned amounts, typically submitted monthly via AIA G702/G703 forms. This method is standard for commercial and public construction projects and directly impacts contractor cash flow.

Davis-Bacon Act

A federal law requiring contractors on public works projects valued over $2,000 to pay locally prevailing wages and fringe benefits. Compliance requires certified payroll reports submitted with each pay application. Singoa tracks certified payroll submissions alongside billing to prevent pay app rejections due to missing compliance documentation.

FAQ

Common Questions from Contractors

Does Singoa generate AIA G702/G703 pay applications?

Yes. Singoa auto-generates AIA G702/G703 from your Schedule of Values. It tracks completed work, stored materials, change orders, and retainage — eliminating manual spreadsheet work. Competitors like Payapps report 50-70% reduction in billing admin time with automation (Payapps.com).

How does retainage tracking work?

Singoa monitors retainage holds (typically 5-10% per progress payment) across every project and subcontract. Alerts fire when release conditions are met — substantial completion, punch list sign-off, final lien waivers collected. The system also tracks state-specific retainage reform laws (e.g., Texas and Ohio caps).

Which construction ERPs and PM tools does Singoa integrate with?

Sage 300 CRE, Sage 100 Contractor, Foundation Software, Viewpoint Vista/Spectrum, CMiC, Jonas Construction, Procore, Buildertrend, PlanGrid, QuickBooks, Xero. Banking via Plaid. Communication via Gmail, Outlook, Slack. All API-based — no middleware.

How does lien deadline tracking work across multiple states?

Mechanics lien deadlines vary by state from 30 to 120 days, with preliminary notice requirements in 38 states (Levelset). Singoa tracks state-specific requirements for every project, auto-generates preliminary notices, and sends escalating alerts before deadlines expire.

What's the difference between conditional and unconditional lien waivers?

A conditional waiver releases lien rights only after payment clears. An unconditional waiver releases rights immediately upon signing. Singoa generates the correct type automatically based on payment confirmation from your bank feed, preventing premature release of lien rights.

How much can Singoa reduce our DSO?

Construction DSO averages 60-83 days (CFMA Financial Survey 2024) vs. 40-45 days all-industry average. Singoa targets 25-35% reduction through automated pay app submission, 24-hour rejection flagging, AI-timed payment reminders, and collectability-scored follow-up prioritization.

Can Singoa handle T&M billing alongside fixed-price contracts?

Yes. Singoa supports progress billing (AIA G702/G703), time-and-materials, milestone billing, unit-price billing, and JOC contracts. Each contract type is tracked separately with the appropriate pay application format. Change orders are automatically reflected in subsequent pay apps.

How is Singoa different from GCPay, Siteline, or Textura?

Those platforms digitize billing workflows — replacing paper with digital forms. Singoa adds AI-powered AR automation on top: predictive payment timing, automated collection sequences, intelligent follow-up prioritization, anomaly detection in billing patterns, and AI-driven payment matching. It is full AR automation, not just billing software.

Does Singoa support certified payroll and prevailing wage compliance?

Yes. For public projects requiring prevailing wage compliance, Singoa tracks certified payroll submissions alongside pay applications. It flags missing certifications before pay app submission to prevent rejection.

What does implementation look like? How long to get started?

Connect your ERP and banking in 15 minutes via API. Singoa's AI scans your existing projects, pay apps, and AR data within 24 hours. Most teams are fully operational within 1 week. No data migration required — Singoa syncs alongside your existing systems.

Get Started

Schedule Your Construction AR Assessment

See how much faster you could collect with AI-powered pay app automation. Free 30-minute assessment with a construction billing specialist.

Last updated: March 2026