Early Payment Negotiation Built for Construction
For CFOs & Controllers
Transform your AP department into a revenue center. Capture discounts in exchange for early payments at scale with control over who you pay, on what projects, and when. No manual negotiations—just automated, predictable returns.
For Project Managers
Empower subs with access to reliable cash flow through early payment. They choose if and when to participate and at what rate, ensuring better project outcomes, stronger relationships, and more incentivized subcontractors in return.
Beyond Traditional Early Payment Programs
Not invoice factoring.
Not supply chain financing.
Earlytrade is different.
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Your Cash Stays Under Your Control
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Your Payment Processes Remain Unchanged
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Your Subcontractors Get Needed Working Capital
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You Capture Significant Returns Automatically
4.8x Higher Return on Capital
Assumptions
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5% APR Money Market
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$1M Paid Early Monthly
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2% Discount
See How Much Your Profit Could Increase with Earlytrade
This calculator shows how offering early payments to subcontractors impacts your bottom line.
Enter your annual revenue, subcontractor spend, and the participation rate you expect. The discount rate represents what subcontractors typically request through dynamic discounting based on your available capital allocation. Most contractors achieve about 23% participation with an average 2.5% discount rate. The calculator instantly shows how these early payments improve your overall profit margins. Adjust the numbers to find the right balance for your business.
Trusted by ENR Top 400 Contractors
"I knew other GCs were saving money with Earlytrade. I was adamant about capturing that kind of value for Bartlett Cocke — why would we knowingly miss the opportunity?"
"The financial return just made sense—a 2% discount return easily outperformed what we could get from investments like money market accounts."
"You can look at Earlytrade as either a cost-saving tool or a revenue generator—it’s both. For us, it’s about making our capital work smarter while keeping subcontractors financially stable."
Launch Without Disruption
Smart Integration
Seamless connection and configuration with your existing ERP or payment software, and minimal involvement from your team.
Subcontractor Success
Our dedicated team handles all sub onboarding and education, driving adoption and utilization throughout the entire program lifecycle.
Hard-Dollar ROI
Start capturing early returns while the program organically scales, allowing natural adoption that builds lasting success.