You’ve done the work. The claim is certified. So where’s the money?
ArcPay tracks every progress claim from submission to certification to payment — including the retention you’ll only see in a year.
From SGD 49/month · Built for Singapore · Syncs with Xero
The problems nobody else talks about
Every tool on site tracks the build — almost nothing tracks the money between certification and the bank.
Progress claims aren’t normal invoices.
A claim gets submitted, cut down during certification, part-paid, and 5–10% is held as retention until defects liability ends. Generic invoicing tools have no concept of any of this. Contractors end up tracking it in a spreadsheet that only one person understands.
Your cash gap is structural.
Subcontractors and suppliers want payment in 30 days; main contractors and developers pay in 60–90. You’re the bank in the middle, and one late certification can wipe out a month’s wages buffer.
Retention sums get forgotten.
Across 15 completed projects, 5% retention each adds up to serious money — and it only gets collected if someone remembers to bill for it when the defects liability period ends.
Submitted. Certified. Collected.
AR aging by project, not just by customer.
See every project’s claims: submitted, certified, part-paid, retained. The difference between “invoiced” and “collectible” is finally visible.
Retention tracked as its own receivable
With the release date attached, so nothing expires uncollected.
Automated, professional follow-ups
On certified-but-unpaid claims. Firm, consistent, and sent on schedule — so chasing doesn’t depend on whether the boss had time this week.
Cashflow forecast
Built from real claim dates and payment behavior. The AI CFO answers with figures computed from your ledger — and the Evidence Trail shows exactly which claims and payments produced every number, which is precisely what you need when disputing with a main-con’s QS.
“Will collections cover the 15th and month-end wage runs?”DSO per customer.
Learn which main contractors actually pay in 65 days versus 95, and price your next tender accordingly.
From submission to certification to paid.
Claim #8 goes in — logged against the project, not lost in a spreadsheet.
Certification comes back cut down; ArcPay records certified versus submitted.
Retention is booked as its own receivable with the release date attached.
A certified-but-unpaid claim from March gets its scheduled follow-up — nobody had to remember.
The cashflow forecast checks the month-end wage run against expected collections.
Tender pricing meeting — DSO per customer shows which main contractor actually pays in 65 days versus 95.
Nothing here needed the spreadsheet — and the retention that used to expire quietly now sits in the ledger with a date on it.
Certified isn’t collected.
ArcPay is built in Singapore for Singapore contractors — GST-native, Xero-connected, and priced for SMEs.
Start free- Zero forgotten retention sums
- Wage-run confidence: know 30 days ahead if collections fall short
- A defensible paper trail for every claim dispute