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Construction Cash Flow
Holdback and Cash Flow Calculator
Model monthly cash under a construction contract with holdback. Uses even monthly billing. Holdback is released at project completion or after a lien period. Delays stretch the schedule and push holdback release later.
Contract & Holdback
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Delay & Financing
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Your Results
Total Holdback (Tied Up)
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Monthly Billed Amount
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Net Cash In per Month
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Holdback Release Month
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Cash in Release Month
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Notes: Even monthly billing (CV ÷ duration). Holdback released at completion + lien period. This tool does not replace contract terms or statutory holdback rules.
- Confirm holdback % and release conditions in your contract.
- Delays push release out and can increase financing cost.
- For information only; confirm with your lender and legal advisor.
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Frequently Asked Questions
Common questions about holdback, construction cash flow, and builder's risk insurance.
Statutory holdback is a portion of contract payments (often 10% in Canadian jurisdictions) that must be held back by the payer until the lien period has passed. It protects subcontractors and suppliers and affects when contractors receive full payment.
Holdback is typically released after the applicable lien period expires (e.g. 45–90 days after last work or delivery, depending on province) and any lien claims are resolved. The calculator helps you model when that cash is released.
Holdback delays a portion of your revenue until release. That can create a shortfall in monthly cash flow, especially if you have already paid subs and suppliers. Modeling it helps you plan financing and reserves.
Builder's risk insurance covers the project (materials, structure) during construction. Contractors also need commercial general liability and often other coverages. Boardwalk can quote builder's risk and construction-related policies from top Canadian carriers.
This calculator focuses on holdback amount, release timing, and monthly cash flow. Delays or lien disputes can extend the time until release; discuss specific scenarios with your broker or lawyer.
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