Stop chasing payments in spreadsheets.
SubbyWise is payment management software built for UK construction subcontractors. Track applications, chase late payments, keep your paperwork in date, and never miss a retention release again.
Built for subbies — here's the proof£14,580 received
Plot 3 · 1st Fix — matched ✓
Retention release due
Plot 12 · £3,240 · in 9 days
You do the work.
Then you wait to get paid.
Every month, subcontractors across the UK lose thousands to late payments, missed retention releases, and hours wasted on admin that should be automatic.
Spreadsheet chaos
Tracking applications across 10+ sites in Excel. Copy-paste errors. Lost versions. No single view of what's owed.
Chasing payments manually
Writing the same "just following up" email every month. No system for escalation. The QS sits on your application for weeks.
Forgotten retention
Practical completion comes and goes. Nobody flags the retention release. Thousands left sitting with the contractor.
The paperwork scramble
Main contractor wants your EL certificate, your SSIP, and every lad's CSCS card — by Friday. You're digging through emails and the van glovebox.
Two modes. One app.
Built for how you work.
Whether you're a sole trader doing brickwork for a local builder, or a £5m+ subcontractor working under main contractors with QS certification — SubbyWise adapts to you.
I send my application, I get paid.
You submit applications directly to your client and track what comes back. No middleman, no fuss.
Kitchen fitters, electricians, plumbers, bricklayers — anyone working direct for a builder.
I claim, the QS certifies, then I get paid.
SubbyWise tracks what you claimed, what the QS certified, and flags the variance — so you can challenge shortfalls with the numbers in front of you.
M&E contractors, groundworkers, cladding specialists — anyone under a main contractor on JCT.
You choose your mode in a guided setup wizard — payment structure, VAT, CIS, retention and payment terms, each explained in plain English. Your mode locks once you create your first application, so nothing switches mid-project. See the full feature list →
Your entire payment workflow.
Not just another tool.
From setting up a new site to chasing the last retention payment — and the certificates the main contractor wants before any of it starts.
Payment Matrix
An Excel-style grid — plots down the side, stages across the top. Assign house types to auto-populate, then click stages complete to generate your application.
Stage-Level Tracking
Payments allocated to individual plot and stage. "Plot 3, 1st Fix = £14,580 received" — not a lump sum you have to unpick.
Remittance Reconciliation
When money hits the bank, match it to the stages it paid for. Underpayments and overpayments flagged automatically.
CIS, VAT & Retention
Domestic reverse charge, CIS with a proper materials split, retention held and released — correct on every application without a spreadsheet formula in sight.
Compliance Tracking
Insurance, SSIP accreditations, CSCS cards and training tickets — with expiry alerts, a training matrix and a branded pack you can send the QS.
Accounting Export
Sage 50, Xero, QuickBooks Online and a plain accountant CSV — with your nominal codes and reverse-charge tax codes already mapped.
The certificates that stand between you and the site gate.
Insurance, SSIP accreditations, CSCS cards, training tickets — all in one place, with expiry alerts before they lapse, a traffic-light training matrix, and a branded compliance pack (with the actual certificates merged in) you can send the QS. Or send a live link that's never out of date.
See how compliance worksCompliance position
Book in from the scaffold, not the spreadsheet.
Your payment matrix in your pocket, colour-coded by what's claimed. Tap stages complete at 25, 50, 75 or 100%, add a comment, submit. It works in a basement with no signal and syncs when you surface.
How the field app worksKnow exactly where your money is. At any point in time.
23 document types built in — from the application itself to the final account. PDF and Excel, on your headed paper, generated in seconds.
Unit Progress Matrix
Every unit and stage, colour-coded, with amounts and percentages. Send it to the client instead of writing another update email.
Payment Variance
Claimed vs paid, stage by stage — every line marked Matched, Underpaid, Overpaid or Pending. Filter to problems only.
Final Account
Close the job out properly: everything claimed, certified and paid, with the retention release position set out in full.
Meet Sid — your in-app assistant
Built-in AI chat that helps you navigate the app, surfaces overdue applications, answers questions in plain English, and gives contextual tips on every page. Like having a clued-up admin sitting next to you.
One plan. Everything included.
Cancel anytime.
Unlimited contracts. No per-user charges. No feature gates. Monthly rolling — no lock-in, no contracts.
First 50 signups get 3 months free.
The things subbies ask us first.
Do I need to change how my client pays me?
Does it handle CIS properly?
Can my accountant get the figures out?
What if I use a freelance QS?
Does the site app work with no signal?
Built by a subby,
for subbys.
Join the waitlist and be first to try SubbyWise when we launch. No spreadsheets required.