Subcontractors now wait an average of 96 days to get paid after submitting their invoices, according to Siteline's State of Subcontractor Billing in 2025 report. That's over three months between doing the work and receiving payment. Only 5% of subcontractors consistently receive payment on time, 75%+ cover vendor costs out of pocket while waiting, and 91% of general contractors now consider an owner's payment reputation when deciding whether to bid on projects. This payment c

Imagine finishing a major phase of a construction project, expecting payment any day, only to find the general contractor has delayed or refused payment. You're not alone, construction payment disputes cost subcontractors billions annually, with the average payment delay stretching 83 days beyond terms. What options do subcontractors, suppliers, or laborers have to secure the money they're owed? Two powerful tools come into play: payment bonds  and mechanics liens . Both are