Payment-protected contracts for trades — $29 one-time.
Built for trades — not accountants.

Get paid on your terms.

No more getting stiffed

PaidTerms turns your next job into a signed, payment-protected contract in under 5 minutes — with deposit schedules and clauses that stop clients from renegotiating or skipping the final invoice.

Money-back guarantee — if it doesn't earn its $29 on your first job, we'll refund you.

$29 one-time · works for GC, plumbing, HVAC & electrical. Already bought? Enter your code

82%
of contractors wait 30+ days to get paid
$280B
lost to slow payments in 2024
#1
slowest-paying industry in the U.S.

Sources: Rabbet 2024 Construction Payments Report · industry reports 2024–25.

PROPOSAL & CONTRACT
Bathroom Remodel — 214 Elm St.
Client: J. Ramirez · #PT-1042
Demolition & haul-out$1,200
Tile & fixtures$6,480
Plumbing rough-in$3,900
Vanity & install$2,180
Labor (6 days)$3,400
Grand total$17,160
Draw schedule
Deposit (50%)$8,580
On material delivery (25%)$4,290
On completion (25%)$4,290
Fixed price
Written change orders
Clear scope & exclusions
Signed 3/14/2026
✓ Signed

Built with real contractors from r/Contractor, r/Plumbing, r/HVAC & r/electricians

The problem, in numbers

Getting stiffed isn't bad luck. It's the industry.

Chasing harder won't fix a system this stacked. Setting terms up front will.

82%
wait 30+ days to get paid
Source: Rabbet, 2024
~74 days
average payment cycle — slowest industry in the U.S.
Source: Industry reports, 2024–25
12%
always get paid on time
Source: Levelset, 2022
1 in 3
late payments come from a dispute over the work
Source: Levelset
$280B
lost to slow payments in 2024
Source: Rabbet, 2024
56%
have walked away from a job over payment risk
Source: Mobilization Funding, 2025

You did the work. Now you're chasing the check.

The final payment that never comes.

One bad client can wipe out a month — and fighting it in court can cost more than the invoice itself.

The renegotiation after the handshake.

They sign, you start, then around week three they push back on the price you already agreed to.

The extras you ate.

The $60 capacitor, the $40 in fittings, the change nobody signed off on — quietly bleeding your margin.

Contractor reviewing paperwork on a jobsite

"I finished the deck three weeks ago."

"Still no final check."

How it works

Protected in three steps.

01

Enter the job.

Add client, line items, deposit and draw schedule — totals calculate themselves.

3 · Line items
Demolition & haul-out1$1,200$1,200
Tile & fixtures1$6,480$6,480
Plumbing rough-in1$3,900$3,900
Grand total$11,580
02

Lock in your protection.

Toggle the clauses that matter: no renegotiation, written change orders, clear scope & exclusions.

5 · Protection clauses
No renegotiation after signing
Written change orders required
Clear scope & exclusions
Materials owned upon full payment
03

Send a signable PDF.

Branded, professional, ready for signature. Downloadable in one click.

Contract PT-1042
50% DEPOSIT
25% DELIVERY
25% DONE
Client signature
SIGNED

Money-back guarantee — if it doesn't earn its $29 on your first job, we'll refund you.

Anatomy of a payment-protected contract

Every clause is there to get you paid.

#PT-1042
123456
Deposit
$8,580 · due at signing
Draw schedule
50% · signing25% · delivery25% · completion
"The price stated in this contract is fixed at signing. No renegotiation…"
"Any change to scope requires a written, signed change order…"
"Scope of work: … Exclusions: painting, permits, subfloor repair."
Client signature
✓ SIGNED
  1. 1

    Deposit

    Money in the bank before work starts.

  2. 2

    Draw / milestone schedule

    You get paid as you go, never fully exposed.

  3. 3

    Fixed-price, no-renegotiation clause

    The price is locked the moment they sign.

  4. 4

    Written change-order clause

    Every extra is documented and billable, not eaten.

  5. 5

    Clear scope + exclusions

    Kills the 'that wasn't included' dispute — 1 in 3 late payments.

  6. 6

    Signature & acceptance block

    A signed record you can actually enforce.

See the money math

Half your money before day one.

A $17,160 bathroom remodel on a 50 / 25 / 25 schedule. Move the slider — every job you price should look like this.

Job total
$17,160
50% · $8,580
25% · $4,290
25% · $4,290
Deposit — before day one
$8,580
On material delivery
$4,290
On completion
$4,290

With a 50% deposit you're cash-positive before day one. You're never owed more than 25% at any stage — vs. invoicing 100% at the end and waiting ~74 days to collect.

Features

Everything that gets you paid — nothing that doesn't.

Deposit + draw schedule

50/25/25 or your call · % must sum to 100.

No-renegotiation clause

Price fixed at signing; changes only via signed CO.

Written change orders

Numbered, signable records for every scope change.

Clear scope & exclusions

Say what's in and what's out, up front.

Branded professional PDF

Your logo, license #, colors — generated client-side.

Save & reuse

Business profile + defaults; reopen or duplicate any job.

Editable templates

Reword any clause, adjust doc colors in settings.

Comparison

Why not a free template — or a $150/mo app?

Trade-specific payment language
Free template
$150/mo app
Partial
PaidTerms
Deposit + draw schedule built in
Free template
$150/mo app
Add-on
PaidTerms
No-renegotiation clause
Free template
$150/mo app
PaidTerms
Written change orders
Free template
DIY
$150/mo app
PaidTerms
Branded PDF with your logo
Free template
DIY
$150/mo app
PaidTerms
Setup time
Free template
DIY
$150/mo app
Hours
PaidTerms
~5 min
Monthly cost
Free template
$0
$150/mo app
$59–$150+/mo
PaidTerms
$0 (one-time $29)
Built for your trade

Tuned to the way you bill.

General contractor

Deposits and draw schedules for multi-stage remodels.

Plumbing

Service calls, fixtures, and after-hours rates — documented.

HVAC

Bill the $60 capacitor and the service call, every time.

Electrical

Panel upgrades and change orders, signed off before you start.

Security & your data

Your contracts are yours.

Per-user access

Stored securely with row-level security — only you see your contracts.

No lock-in

Export or download anytime. Your data leaves with you.

We never sell your data

No ad networks. No mystery buyers. Ever.

PDFs generated on your device

Your contracts don't sit on a third-party server.

PaidTerms provides document tools, not legal advice. See footer for full disclaimer.

Built with real contractors from r/Contractor, r/Plumbing, r/HVAC & r/electricians

Money-back guarantee. If PaidTerms doesn't earn its $29 on your first job, we'll refund you.

Pricing

One price. Less than a single unpaid invoice.

Pay once to unlock unlimited payment-protected contracts and PDF downloads.

1
Buy PaidTerms — $29
Secure checkout via Shopify.
2
Check your email
You'll receive your unique access code.
3
Enter your code
Unlock the app and build your first contract.
PaidTerms
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Best value
  • Unlimited payment-protected contracts
  • Every protection clause included
  • Branded PDFs with your logo
  • Saved defaults & templates
  • Free updates forever
Money-back guarantee — if it doesn't earn its $29 on your first job, we'll refund you.

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Is this for me?

Still on the fence?

"I only do small jobs."

Small jobs are exactly where one unpaid invoice hurts most — and a $29 contract covers all of them.

"My clients would be put off by a contract."

A clear contract reads as professional, not distrustful — it's what serious operators send.

"I already have my own contract."

Great — PaidTerms makes it consistent, branded, and 5 minutes to produce, with the payment clauses built in.

"I'm not a lawyer."

You don't need to be — the clauses are plain-English and trade-tested. For big or complex jobs, have an attorney review.

Questions we hear all the time.

Stop working for free.

Your next job deserves a contract that pays.

Money-back guarantee — if it doesn't earn its $29 on your first job, we'll refund you.

$29 one-time · no subscription · Already bought? Enter your code