Cash Flow Survival: For Trade Subcontractors

GCs hold your money. Owners hold the GC's money. You finance the whole job. Trade subs live downstream of contracts they never negotiated. Pay-if-paid clauses transfer the owner's risk straight to your payroll account. 10% retainage sits in the GC's bank for 12 months past substantial completion. A 90-day pay cycle on a $400K commercial scope ties up $108K of working capital before you see your first dollar of profit. This course is the survival kit. Built for concrete, framing, drywall, MEP, fire protection, steel, masonry, glazing, roofing, and paving subs running $400K-$2M/yr on commercial, multifamily, institutional, and public-works projects under a GC. Location-aware: pick your province (Canada) or state (US) and the tools surface the rules that apply — pay-if-paid enforceability, prompt-payment legislation, preliminary notice deadlines, and bond-claim windows. RECOMMENDED FOR: - Concrete, framing, drywall, MEP, fire-protection, low-voltage subs on multifamily and commercial jobs. - Specialty subs (steel, masonry, glazing, roofing, paving) under a GC. - Public-works subs working under bonded prime contractors (Miller Act / provincial public-procurement bonds). - Solo operators and small crews who sub to a GC, even on a single $80K scope. NOT BUILT FOR: - Residential GCs / remodelers contracting directly with homeowners — that is variant 1 ($39). - Recurring-service businesses (cleaning, lawn care, HVAC service-call) — that is variant 3. WHAT YOU WALK OUT WITH: - Mobilization-payment + SOV-front-loading playbook negotiated against AIA G702/G703. - Pay-if-paid vs pay-when-paid clause analyzer keyed to your jurisdiction. - Preliminary notice + lien deadline calendar — every state and province. - Bond-claim playbook for Miller Act and Canadian public-works bonds. - 13-week cash forecast with retainage rows. - Factoring math for 60-90 day GC cycles. - Tax-timing rules on retainage (HST/GST + IRS). 5 modules - 18 lessons - 4 quizzes - 2 assignments - 1 final test - 6 interactive tools. Built for subs who run payroll Friday and bid the next job in the same afternoon.