Momentum Conversation · Trades · № 06
Working With Builders (Without Being Their Bank)
Builder work can fill your calendar fast — and drain your cash just as fast. How to protect your margin and your payment terms when a builder is the customer.
13 min read·Updated Aug 2026·The Clear Point Decision Framework
Working under a builder can be some of the steadiest work a subcontractor gets — until the retention money disappears into a black hole, the invoice sits for ninety days, and you realise you've effectively been lending the builder your own cash flow to fund their project. This Conversation is about staying in that relationship without quietly becoming the builder's unpaid bank.
01What? — Understand the issue
02Why? — Understand why it matters
03How? — Explore practical approaches
04When? — Understand timing
05Who? — Identify the people involved
06The Decision
This Sector Conversation is for Momentum members.
The full walk-through — What, Why, How, When, Who, then The Decision — plus the follow-on prompts to continue the Conversation with Veran, your Momentum AI.
$1 a day. Cancel anytime.