---
title: "Subcontractor Payments, Retention & Lien Waivers | Fynex"
description: "Pay subcontractors, equipment rental and suppliers in one multi-party run, hold and release retention by rule, and tie lien waivers to the payout that clears them — matched to the job. Contractor and subcontractor payment software for construction."
url: "/construction/subcontractor-payouts"
---

# Pay the *subcontractor chain*, retention and all

Electrical, HVAC, equipment rental and suppliers, paid in one multi-party run — with retention held and released by rule and lien waivers tied to the payout that clears them, all matched to the job.

*Construction building blocks.*

## Every sub is a separate payment, a retention line and a chased waiver

Paying the trade chain on a job means a transfer per subcontractor, retention tracked in a spreadsheet, and lien waivers chased by email. Construction software schedules the work; it doesn't move the money, hold the retention or match the waiver to the payment.

## How subcontractor payouts run on Fynex

One run pays the chain. Retention and waivers handled, every payout tied to the job.

1. **Pay the whole chain in one run** — Electrical, HVAC, equipment rental and suppliers are paid in a single multi-party run, on your schedule or by rule, across every rail — not a transfer per subcontractor.
2. **Hold and release retention by rule** — Retention is held back automatically per draw and per party, tracked against the job, and released by rule on completion — no spreadsheet, no manual release.
3. **Tie lien waivers to the payout** — Conditional and unconditional waivers are exchanged and tied to the payout that clears them, so the paperwork matches the money instead of being chased.

## The same job, with the leaks closed

Point tools solve part of it. Fynex runs the whole thing on one platform.

| The problem | Other platforms (Bank transfers + spreadsheet) | Fynex |
|---|---|---|
| Pay many subs at once | A transfer per subcontractor, per rail. | One multi-party run to the whole chain. |
| Track retention | A spreadsheet nobody fully trusts. | Held and released by rule, per job and party. |
| Match lien waivers | Chased by email, matched by hand. | Waivers tied to the payout that clears them. |
| Reconcile to the job | Matched at close-out, if at all. | Every payout posted against the job. |

## Questions, answered

### Can Fynex pay all our subcontractors at once?

Yes. Subcontractors, equipment rental and suppliers are paid in one multi-party payout run, on your schedule or by rule, across every rail. It replaces the transfer-per-subcontractor routine with a single run, and every payout is logged against the job it belongs to.

### How does Fynex handle retention on subcontractor payments?

Retention is held back automatically as each subcontractor is paid — for example 5% per draw — tracked per job and per party, and released by rule on completion. Both sides can see exactly what's held and when it clears, without a spreadsheet.

### Does Fynex handle lien waivers?

Yes. Conditional and unconditional lien waivers are exchanged and tied to the payout that clears them, so the paperwork matches the money on the same job instead of being chased by email after the fact.

### Is this contractor payment software for the subs too?

It's the same money layer for both sides. The general contractor or platform pays the chain through Fynex; the electrical, HVAC and equipment-rental businesses underneath each need the same thing — paid on time, retention tracked, margin per job — which is how the platform expands to the trades working on it.

## The rest of the construction money layer

Every building block below runs on the same platform. Start with one, or run the whole stack.

- **Payouts** — The full multi-rail payout engine behind Fynex, on every product.

## Find what you're leaking, for free

Send us your setup. We run a free diagnostic and show you what your payment stack costs you today.

> One recent diagnostic found €2M in hidden fees across 10 processors for a proptech client.

## The trust layer most software can't offer

We can be your Merchant of Record and hold the funds. Most tools can't, because they don't hold the licence.

- **FCA-authorised EMI** — An e-money institution via Fondy. We can hold and move your funds.
- **PCI DSS Level 1** — The highest card-data security standard, on by default.
- **Audit logs** — Every movement traceable and ready for review.
- **Built-in KYC / KYB** — The switch that turns the business on.

## Pay the whole chain. *Retention and waivers, handled*

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The AI finance layer for platforms and operators. It runs the money chain and keeps more of it in your business. One platform instead of a dozen.



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