Earlytrade

By audience

Accounting & Finance

• Treasury deploys otherwise-idle cash against approved subcontractor invoices, earning a nominated discount instead of a term-deposit rate.
• AP teams field roughly 60% fewer inbound payment-status queries because subcontractors can see invoice status themselves.
• Accepted discounts and revised due dates write back to the ERP so the discounted invoice clears through the normal pay run.

General Contracting

• Head contractors set the pool of cash available for early payment and adjust it as their working-capital position moves.
• Progress claims, variations and subcontractor compliance documents are certified in one workflow instead of email threads.
• Security of Payments Act deadlines are tracked per jurisdiction with automated reminders and escalations.

Specialty Contracting

• Subcontractors see approved invoices and expected payment dates across every head contractor they work for.
• They choose whether to request early payment and at what discount rate, rather than accepting a blanket program.
• Variation status is visible as it moves, which cuts disputes over what was agreed on site.

Executive Leadership

• CFOs and treasurers run early-payment discounts as a margin lever — Earlytrade markets a ~12% profit-margin uplift at a ~2.2% average accepted discount.
• Payment-behaviour signals across the supply chain feed insolvency-risk controls on live projects.

Project Manager

• Project and commercial teams certify progress claims and approve variations in a shared workflow with a full audit trail.
• Variation and retention positions are visible mid-month rather than only at claim cut-off.

By phase

Construction

• Monthly progress claims are submitted, certified and paid through the platform for the life of the build.
• Subcontractors pull cash forward mid-project when a shutdown or cost escalation squeezes their liquidity.
• Variations are logged and approved as they arise instead of being reconciled at the end.

Closeout & Operations

• Final claims and retention releases settle through the same claim-and-payment record.
• The immutable claim, variation and compliance ledger is the audit trail when a payment dispute surfaces after handover.