Across 9 active commercial jobs, April 2026 cycle.
Cash-flow OS for commercial specialty subcontractors
Find the $200K of cash sitting in your next pay-app packet before the GC rejects it.
Upload one pay-app packet. SubCash returns a Cash-at-Risk Audit in 5 business days: dollar-by-dollar findings tied to AIA G702/G703 math, state waiver statutes, GC-specific packet rules, DIR uploads, and COI expirations.
Free checker, no sign-up. Built by Drew Kraken, formerly IPP.
Free checker
Free Pay-App Checker - paste a packet, get findings in 30 seconds.
No sign-up. No upload required. Paste G702, G703, or a recent rejection email. SubCash scans for SOV mismatches, missing waiver language, change-order gaps, stored-materials backup, and signature problems.
Risk findingsReady
Try the checker with a real packet.
Drop in a PDF pay-app packet or paste the text. The free checker runs in your browser, does not submit anything to a GC, and is not legal advice.
Sample audit
A cash-at-risk report your controller can act on.
Six findings. $733,100 of cash at risk. One pay cycle. Real GC rules, real statute citations, specific dollar amounts, and specific next actions.
Hard rejects on Turner, DPR, DIR public works, and Skanska jobs.
Fixable this week with named next actions.
GCIssueAt riskFix this week
TurnerWrong waiver form (CW-PP-2024 needed)$214,000Re-execute on Turner's form, resubmit
DPRG703 missing CO #4 lines$148,500Add CO lines to G703, resubmit
HolderStored-materials docs incomplete$71,200Photos, COI rider, and bill of sale
SkanskaWaiver signed by estimator, not officer$38,400Re-execute with CFO signature
DIR public worksMissing weekly CPR upload$96,000 nextUpload week ending 2026-04-12 to DIR portal
Whiting-TurnerCOI expires before next cutoff$165,000 nextRenew GL policy, push COI to myCOI
SC-AUDIT-2026-04-0042$733,100
Turner$214KDPR$148KHolder$71K
25 v1 rules checked against SOV, waiver, CPR, stored-materials, change-order, COI, signature, GC, and state-specific risk.
How it works
Free checker today. Paid audit this week. Recurring OS by month two.
- Run the free checker. Paste a packet or drop a PDF. SubCash returns 30-second findings with no sign-up.
- Get a $99 Cash-at-Risk Audit in 5 business days. Send April pay-app packets, 90 days of rejection emails, and AR aging.
- Subscribe to SubCash OS for $499/mo per billing entity: GC rule memory, SOV/CO reconciliation, waiver routing, DIR and COI monitoring.
The checker is the entry point. The audit proves it on your packets. The OS keeps it from happening every month.
Pricing
One free check. One $99 proof. One $499/mo system.
Start with one packet. If SubCash cannot find at least $10K of cash at risk or 5+ hours/month of recoverable admin time in the paid audit, you do not pay.
30-second packet scan in your browser.
- 25 rejection rules covering SOV, waivers, CPR, stored materials, signatures, and COI
- No sign-up
- No server upload required
- No data retention
Fixed price. 5 business days. One billing cycle.
- Full audit on your packets, AR aging, and 90-day rejection history
- Your numbers, your GCs, your next actions
- If we do not find $10K of cash at risk or 5+ hours/month of recoverable admin time, you do not pay
Per billing entity. Up to 25 active jobs.
- GC rule memory
- SOV/CO reconciliation
- Waiver routing
- DIR and COI monitoring
- Live Cash-at-Risk dashboard
Built by Drew Kraken
Financial-workflow founder, formerly IPP.
SubCash is a 3-person team building from Sacramento. Drew is the face on every email, every call, and every audit. If something is wrong, you hear from him directly.
Security and data: artifacts are encrypted in transit and at rest, stored in a US-based cloud, isolated per account, and deleted on request. SubCash does not sell, share, or train on your data. SubCash is not currently SOC 2 certified.
Read security posture