Building and construction
Accelerate your building and construction cash receipts with the CashOnTime AI
In the building industry, construction sites are progressing, but cash is often received late.
Turn your invoices into predictable cash flow despite extended customer payment terms, contractual retentions, and fragmented cash receipts flows.
Adopted by numerous companies in the building and construction industry
Growth and contractual constraints: the financial challenges of the building industry
In the building and construction, growth is based on the succession of construction sites, the multitude of stakeholders, and contracts governed by strict rules (public or private contracts, subcontracting).
But this operational mode generates a high complexity of the accounts receivable, which directly impacts cash receipts.
As construction sites multiply, each contractual difference becomes a cash risk.
The finance departments of the industry face clearly identified structural challenges:
- High volume of work situations and intermediate invoices
- Long payment terms imposed by public and private key accounts
- Retention of guarantees, late payment penalties, and frequent contractual adjustments
- Disputes related to the progress of the work, compliance or exceptions
- Financial flows broken down between construction sites, work packages, subcontractors and legal entities
- Structural cash flow mismatch related to subcontracting, with subcontractors to be paid quickly while customer cash receipts occur much later
When cash receipts put pressure on cash flow
Long lead times and limited visibility
Between monthly situations, intermediate validations, extended contractual terms, and payments sometimes conditioned on the clearance of exceptions, answering a simple question like how much will we get paid this month? becomes complex.
Retentions, penalties, and disputes that block cash
Retention of a 5%, late payment penalties, disputed additional work, partially validated situations: as long as the issue is not clarified, payment is delayed, or even blocked.
High operational
load
Site-by-site monitoring, payment reconciliation, dispute decision-making, coordination between construction management, project management, and finance… Teams spend time reconstructing information instead of steering cash flow
In building and construction:
Contractual terms:
45 to 60 net days
Average delay observed:
+ 10 to + 20 days
depending on the types of sites
Actual cash receipt:
invoices are frequently paid beyond 65 to 70 days, especially in cases of retentions or disputes.
The issue is therefore not only to accelerate collection. It is about securing the Invoice-to-Cash cycle in a very restrictive contractual and operational environment.
The CashOnTime AI serving the cash receipts in building and construction
CashOnTime automatically segments customers, construction sites, and invoices based on actual payment behaviors. Actions are triggered at the right time, in situations that present a real risk of deviation.
Result: fewer unnecessary dunning, more impact on cash receipts.
The AI identifies recurring patterns specific to the building industry: delays related to certain project owners, construction sites systematically generating disputes, extended retentions.
Concretely: bottlenecks are detected upstream before they strain cash flow.
Retentions , penalties, and contractual adjustments are centralized, qualified, and tracked. Valid amounts are monitored and abusive retentions are identified and challenged.
Direct effect: you collect significantly more cash that was unnecessarily tied up.
CashOnTime automatically reconciles payments, even when a total payment covers multiple sites, situations, or partial invoices.
The result: a reliable accounts receivable and a significant reduction in manual matching.
The forecasts include the progress of the projects, the customer profiles, the contractual retentions, and the payment history.
Result: a clear view of cash at 30, 60, and 90 days to optimize financial decision-making.
Would you like to see how CashOnTime secures your cash receipts across your sites?
Features designed for the challenges of building and construction
CashOnTime integrates features specifically designed to handle high transaction volumes, adapt to the payment practices of your industry, and efficiently manage discrepancies such as deductions, disputes, and partial payments.
Securing cash against customer deductions and penalties
Centralization, qualification, and traceability of all deductions and differences (logistics, trade, quality).
Valid amounts are processed quickly, while abusive deductions are identified, challenged, and monitored until collection.
Key benefit: less cash tied up, more amounts collected.
Reliable cash receipts through automatic reconciliation
Reconciliation by artificial intelligence of transfers covering hundreds or thousands of invoices, even with deductions, differences, or partial payments.
CashOnTime reads transfer advices, reconstructs complex payments, and automates matching.
Key benefit: a reliable accounts receivable, with no manual reprocessing
Adapt the dunning to your customers' payment practices
Customized dunning scenarios by type of customer, entity, credit rating, or collection segment, integrating all your criteria.
Actions are triggered at the right time only on real-risk accounts.
Key benefit: fewer unnecessary dunning, more impact on cash receipts.
Manage cash receipts by customer, work queue, entity…
Customizable and configurable dashboards, dedicated to monitoring:
- balance and delays,
- deductions and disputes,
- amounts to be recovered,
Key benefit: a clear view of cash risks and action priorities.
Anticipate bottlenecks with financial information connectors
Detection of changes in the level of risk of accounts receivables (recurring disputes, frequent penalties, atypical payment behaviors).
Teams are alerted in real time by notifications.
Key benefit: address issues upstream, secure future cash receipts.
Forecast cash receipts with AI
Cash flow forecasts based on each customer’s unique payment habits
Key benefit: a realistic cash forecast, actionable for steering WCR.
Collaborate easily
Keep complete traceability of each exchange and decision to secure your actions and gain responsiveness:
- Integration of incoming and outgoing emails directly into CashOnTime
- Discussions (chat) with all employees involved
- Real-time tracking of invoices, from matching to collection
Key benefit: disputes resolved faster, fewer invoices blocked.
Streamline the cross-dispute processing
Collaborative workflow involving finance, sales administration, logistics, and commerce to accelerate dispute resolution and release payments.
Key benefit: less in-house friction, shortened resolution times.
Easily integrate into your existing ecosystem
Seamless API or file-based connection to ERPs, approved platforms (PDP/AP), invoicing tools, EDIs, and accounting systems to secure the entire Invoice-to-Cash cycle without disruption.
Key benefit: rapid deployment without challenging the existing system.
How does CashOnTime fit into your Invoice-to-Cash cycle?
CashOnTime fits into your existing tools (ERP, invoicing, project management, accounting) to secure every stage of the cycle.
Throughout the invoicing cycle, CashOnTime will manage customer risk through its internal or external scoring features.
Before invoicing
Centralization of customer data, construction sites, contractual terms, and payment histories to ensure reliability of accounts receivable from the outset.
Invoicing
Centralization of invoices and customer data (construction sites, contractual terms, and payment history) with their supporting documents to ensure traceable and actionable invoicing in case of disputes, including in electronic invoicing environments.
CashOnTime integrates the statuses and comments from platforms like Chorus Pro in order to monitor the progress of public contract invoices in real time, immediately identify bottlenecks, and sustainably improve the quality of collection.
The solution also support unified management of transferred invoices, linking accounting, factoring, and in-house teams, while taking into account the credit reassurance mechanisms commonly used in the industry.
After invoicing
Targeted dunning, structured dispute management, and monitoring of retentions, even in cases of partial or deferred payments.
Cash receipts & payment reconciliation
Automatic reading of payments, multi-invoice reconciliation, and allocation of payments by construction site or contract.
Steering
Real-time dashboards, cash receipts forecasts integrating the progress of construction sites, and AI analyses of risks and opportunities.
Building & construction (example)
A general construction company manages
40 active construction sites
and issues
900 invoices and work situations per month.
A transfer of €620,000 has been received, covering 130 invoices spread across several construction sites, with €45,000 in retentions and penalties.
CashOnTime automatically reconciles the whole set, identifies retentions, distinguishes contractual amounts from those to be challenged, and feeds the amounts to be collected into the dashboards, site by site.
Regain control of your cash receipts from building and construction
- Quick integration into your existing system
- Adapted to contractual and multi-site constraints
- ROI measurable from the first months
A CashOnTime expert analyzes your context and presents you with a demonstration tailored to your challenges.
FAQ about CashOnTime and the building industry
Yes. The solution is designed to manage work situations, retentions, contractual disputes, and multi-site environments.
They are centralized, automatically qualified, and tracked for easy monitoring and collection.
They are centralized, automatically categorized, and fully tracked to streamline the recovery of unjustified amounts.
Yes. CashOnTime automatically reconciles partial payments and allocates them to the correct invoices or sites.
Yes. Cash receipts are broken down by site, customer, or contract for a reliable operational and financial vision.
Yes. Possible integration with the major ERPs, construction management tools, and invoicing systems on the market.
