Invoicing for Contractors
Contractor invoice software. Free, with payment links built in.
Independent contractor, service pro, or 1099 business? Send a professional invoice in 60 seconds, add a payment link, and get paid by card in 90 seconds — not 45 days.
Free. No monthly fee. 3% + $0.30 when they pay.
*Free to start · No monthly fee · Works with any AI · Trusted by 1,000+ businesses
You're a contractor, not an accounts-receivable department.
You finish the job. You send an invoice. Then you wait. Usually it's not because the client is broke — it's because your invoice is a PDF with a wire-transfer instruction that requires them to log into their bank, find your account number, and set up a payee.
That's a Tuesday-afternoon task that always gets pushed to next Tuesday. Then the Tuesday after.
Holdings invoices have a payment link on every invoice. Client clicks the link, pays by card, done in 90 seconds. You get notified. Money hits your account in 1–2 business days.
The average time-to-payment for contractors drops from 30+ days to under 48 hours when the invoice has a payment link.
Built for how contractors actually bill.
Whether you charge hourly, by the job, or by the milestone — Holdings handles it. Common contractor invoice line items:
- Labor — hours × rate, or flat fee per job
- Materials — itemized with quantities and unit costs
- Equipment / tool rental — pass-through or with markup
- Permits / inspection fees — pass-through at cost
- Subcontractor work — labeled clearly, cost + markup
- Travel / mileage — for out-of-area jobs
- Deposit invoices — collect upfront, deduct from final
- Milestone billing — 50% at kickoff, 50% at completion
- Change orders — CO #1, CO #2, tracked as separate line items
- Late fees — specify terms in notes; add to overdue invoices
Fully customizable. Add or remove anything. Your invoice, your format.
Payment terms, license numbers, W-9 info — put it on every invoice.
Set Net 15, Net 30, or Net 60 payment terms. Include your contractor license number, insurance details, W-9 info, or lien waiver language in the notes field. Everything a client's AP department needs to process your invoice on the first attempt.
- Standard payment terms built in (Net 7 / 15 / 30 / 60)
- Notes field for license number, insurance, W-9, and terms
- Invoice number auto-assigned, sequential, and searchable
- Deposit + final invoice pairs supported
- Job / project address on every invoice
A payment link on every invoice = faster payment. Every time.
Add a payment link to your contractor invoice and your client doesn't need a checkbook, a stamp, or a bank login. They click the link, pay by card, and the money deposits in your Holdings account.
- Payment link included on every invoice — no setup
- Client pays by Visa, Mastercard, Amex, or Discover
- ACH bank transfer also supported for US clients
- QR-code payment option — great for on-site payment
- 3% + $0.30 per transaction. No monthly fee. Ever.
- Invoice marked paid automatically the moment they pay
Card processing at Stripe rates, without a Stripe subscription. If you're not getting paid, we don't get paid either.
Recurring service contracts? Set it once, get paid every month.
If you have clients on service contracts — property maintenance, monthly inspections, ongoing site management — set up a recurring invoice. Holdings sends it automatically on your schedule.
- Weekly, monthly, quarterly, or custom billing schedule
- Invoice generates and sends without you touching it
- Client gets notified each cycle with a payment link
- Automatic payment collection coming soon
Send invoices from Claude, ChatGPT, or Cursor.
New in 2026: Holdings connects to any AI agent that speaks MCP. Tell Claude: "Invoice Riverside Homes for last week's framing work — 24 hours at $85/hr, plus $340 in materials." It drafts, you review, it sends.
Perfect for contractors who already use AI for job estimates, subcontractor comms, or scheduling — now your invoicing lives in the same place.
- Works with Claude Desktop, ChatGPT, Cursor, and any MCP-compatible agent
- Draft-by-default: AI never sends without your review
- Free — same product, same free tier
Every payment tracks itself. Tax time doesn't hurt anymore.
Every contractor invoice you send, every payment you receive — it flows into your Holdings books automatically. Your P&L stays current. Your revenue is already categorized.
Come tax time: your CPA gets a clean export. No spreadsheet reconstruction, no missing receipts, no "what was this deposit for?" text messages in April.
Holdings vs. Word, QuickBooks, and FreshBooks for contractors
| Holdings | Word/Excel | QuickBooks | FreshBooks | |
|---|---|---|---|---|
| Monthly fee | $0 | $0 | $30+ | $19+ |
| Payment link on invoice | Yes | No | Paid add-on | Yes |
| Payment processing fee | 3% + $0.30 | N/A | 2.99% + $0.25 | 2.9% + $0.30 |
| QR-code payment | Yes | No | No | No |
| Auto-bookkeeping | Yes | No | Separate plan | Included |
| Works with your AI (MCP) | Yes | No | No | No |
| Recurring invoices | Yes | No | Yes | Yes |
| Deposit + final billing | Yes | Manual | Yes | Limited |
Frequently asked questions
Finish the job. Get paid faster.
Free account. No credit check. Send your first invoice today.
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