Construction CFO

$8.7M in Retention Receivables
$2.3M Over 180 Days

The GC disputes $1.4M. Your quarterly close is in 3 weeks. The auditors want documentation you don't have organized. This is the write-down conversation.

Your Retention Portfolio at a Glance

The $8.7M question your board will ask about

$8.7M
Total Retention
$4.1M
Current (<90 days)
$2.3M
Aged (>180 days)
$1.4M
Disputed
47% Current
27% 90-180d
26% >180d

$2.3M over 180 days requires reserve analysis. Industry standard: 25-50% reserve for aged retention. Potential write-down: $575K - $1.15M.

Retention by Project

Where your retention is stuck - and why

ProjectTotalCurrentAgedDisputedStatus
Downtown Tower
$2.4M$0.8M$1.6M$0.4MCritical
Medical Campus Ph2
$1.9M$1.2M$0.5M$0.2MWatch
Airport Terminal
$1.7M$0.6M$0.9M$0.5MCritical
Data Center West
$1.4M$1.1M$0.2M$0.1MOK
Retail Complex
$1.3M$0.4M$0.7M$0.2MWatch
TOTAL$8.7M$4.1M$3.9M$1.4M

Why They Won't Pay: The $1.4M Dispute Breakdown

Each dispute category requires different resolution strategies

Dispute Categories

Punch List Incomplete$0.48M
Warranty Claims Pending$0.32M
Documentation Missing$0.28M
Back Charges Applied$0.22M
Lien Releases Outstanding$0.1M
Quarterly Close: 21 Days

Auditors require documentation for all retention over $500K. Current status: 3 of 5 projects have complete files.

Documentation Gaps
  • Downtown Tower: Missing final inspection signoff
  • Airport Terminal: 14 open RFIs unresolved
  • Medical Campus: Warranty bond not filed
Reserve Requirement

GAAP requires reserve for doubtful retention. Based on aging: $690K - $1.15M reserve needed.

Construction Finance KPIs Your Bank Monitors

SlideStrike tracks these automatically from your ERP

Retention % of AR
34%
Benchmark: <20%
Aged Retention Ratio
45%
Benchmark: <15%
Dispute Resolution Days
127
Benchmark: <60
Collection Efficiency
72%
Benchmark: >90%
Documentation Score
68%
Benchmark: >95%
WIP Turnover
3.2x
Benchmark: >5x
Source: CFMA Financial Benchmarker 2025, ENR Construction Financial Survey
TRANSFORM YOUR OPERATIONS

Turn Retention Chaos into Board-Ready Reports

SlideStrike connects to your construction ERP and creates retention aging reports that auditors love and boards understand.

Real-time retention aging by project from Sage, Viewpoint, or CMiC
Automated dispute tracking with resolution timelines
Documentation gap analysis for audit readiness
Board-ready retention reserve recommendations
See Your Retention Dashboard
The auditors will ask about that $2.3M. What will you show them?