Credit risk lives at the job, and so do the deadlines that protect it.
In construction supply the customer is only half the exposure. The other half is the project: who is paying for it, whether the general contractor is current, how much retainage is held, and whether your lien rights on it are still alive. SCREDIT tracks credit at the job level and keeps the notice clock where you can see it.
What is construction supply credit management?
Suppliers to construction sell into projects as much as into companies, and payment depends on a chain that runs from the property owner through the general contractor to the subcontractor buying the material. Credit management here tracks exposure by job as well as by customer, and runs alongside the statutory notice and lien deadlines that preserve a supplier's right to be paid when that chain breaks down.
The lien calendar is usually in one long-tenured person's head.
Preliminary notice windows, last-furnishing dates, and waiver requirements differ by state and by job, and the ERP knows none of them. Miss one date on one job and a secured position becomes an unsecured receivable — on a project where the money was always going to be tight.
How SCREDIT fits this operating model
Job sheets and job-linked exposure
Exposure is attributed to the project as well as the customer, with retainage, bond status, and payment-chain context on the job rather than buried in the account.
Notice deadlines tracked per job, and they come looking for you
Preliminary notices and last-furnishing dates are tracked per job, not per customer. An approaching date, a missing preliminary notice or a lien right at risk raises an alert and opens a job exception on a nightly sweep — statutes are unforgiving of near misses, so the date does not wait to be noticed.
Alongside your filing service, not instead of it
SCREDIT is lien-aware, not a filing service. Inbound adapters for Levelset, NCS and Handle bring lien rights, deadlines and notice status onto the credit file, with the field mapping confirmed against your own vendor connection during implementation. Your provider files.
From job to cash, with the clock running
Six steps, and one of them is not ours. A credit process for construction only works if the handoffs are as clear as the software, so here is where each part sits.
The job opens with its chain attached
Owner, general contractor, subcontractor and supplier are recorded as participants on the job, with the bond — number, amount, surety and the agent you would actually call. A contractor is not one risk; it is a set of jobs with different chains behind them.
Exposure attaches to the job, not the balance
Unbilled, billed-not-paid, retainage held, disputed and total, per job, per day. A problem on one site stops hiding inside a healthy customer balance.
Notice dates live on the job
Preliminary notice and last-furnishing dates are held against the job with their type and status, so the deadline calendar stops living in one long-tenured employee's memory.
The deadline comes looking for you
An approaching notice date, a missing preliminary notice, a lien right at risk or a bond deadline raises an alert and opens a job exception on a nightly sweep. Nobody has to remember to check.
Your provider files
Levelset · NCS · HandleThe statutory filing is performed by the lien service you already use. SCREDIT does not file, and we would rather show you that as a step than let you discover it in implementation.
The filing comes back to the credit file
Lien rights, deadlines and notice status flow back from your provider, so the credit file and the filing record agree. A repeated message is recognised as the same event rather than creating a duplicate deadline, and a manual correction will not save without a written reason.
Your filing service files. SCREDIT holds the clock, the documents, and the exposure sitting behind them.
What changes
The deadline calendar leaves one person's memory
Job-level dates live in the system with the exposure they protect, visible to whoever is covering.
Waivers tracked as workflow, not paperwork
Conditional and unconditional waivers are tracked against the job and the payment they release, with documents held on the file that needs them.
Exposure by project, not just by customer
Concentration on a single general contractor or development is visible before the next release is approved.
Built to survive a security review
Tenant isolation, full audit trails, and role-based access. Trust Center materials support vendor evaluation and security questionnaires.
See SCREDIT on a live job.
Bring a real project with real dates. We will show the job sheet, the exposure, and the notice calendar — and where our filing partners pick it up.