Cash Flow

Retainage is 5-10% of every progress payment, held until closeout. How it works, what your state now caps it at, and how to shorten the wait for release.

Spending fell 3.8% year over year while contractors added 22,000 jobs in August. That gap is where margin goes to die - and why cash timing decides this year.

The four lien waivers — conditional vs. unconditional, progress vs. final. Which to sign when, the 12 states that mandate a specific form, and how to keep your lien rights until the check clears.