# What will AGI do for Progress Payment Retainage Float?

## Overview

Commercial construction contracts universally withhold five to ten percent of every progress payment until a project reaches final completion. Specialty contractors and sub-trades bear the brunt of this retainage, effectively financing the project's final stages out of their own working capital. Because profit margins in construction often hover around the exact percentage held back, contractors operate cash-negative on a project until the final check clears months or years later.

Retainage is not standard accounts receivable; it is contingent capital tied to subjective physical milestones, conditional lien waivers, and multi-tier approvals. Existing financing tools and factoring services reject retainage invoices because the release depends on the overall project's punch list, not just the individual trade's completed work. If a drywaller finishes their scope in month three of a two-year build, their retainage remains locked by the general contractor until the entire building receives a certificate of occupancy.

Unlocking this trapped float requires underwriting the project's physical progress and the contractual payment chain simultaneously. Contractors lack a mechanism to securitize this deferred revenue because lenders cannot easily verify punch list completion, architect approvals, or the risk of upstream default. The capital remains stranded until final closeout paperwork makes its way through every layer of the contracting hierarchy.

## How AGI delivers it

### Services-as-Software

For Progress Payment Retainage Float, get the professional outcome delivered as software, priced on results, not headcount.

Routes to: services.do, services.studio

### Autonomous Agents as digital employees

For Progress Payment Retainage Float, hire a digital employee that does the job under earned, supervised autonomy.

Routes to: agents.do, workflows.do, management.studio, agents.management

## Related

- [1040 Document Processing](https://agi.do/Problems/1040_Document_Processing)
- [1040 Overflow Preparation](https://agi.do/Problems/1040_Overflow_Preparation)
- [1040 Return Generation](https://agi.do/Problems/1040_Return_Generation)
- [1040 Return Preparation](https://agi.do/Problems/1040_Return_Preparation)
- [1040 Schedule Mapping](https://agi.do/Problems/1040_Schedule_Mapping)
- [1099 Brokerage Fetching](https://agi.do/Problems/1099_Brokerage_Fetching)

## Read more

- [The informational twin on agi.as](https://agi.as/Problems/Progress_Payment_Retainage_Float)
- [This page on agi.do](https://agi.do/Problems/Progress_Payment_Retainage_Float)