Contractor invoice software. Free, with payment links built in.

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:

• 01

  Labor

  hours × rate, or flat fee per job

• 02

  Materials

  itemized with quantities and unit costs

• 03

  Equipment / tool rental

  pass-through or with markup

• 04

  Permits / inspection fees

  pass-through at cost

• 05

  Subcontractor work

  labeled clearly, cost + markup

• 06

  Travel / mileage

  for out-of-area jobs

• 07

  Deposit invoices

  collect upfront, deduct from final

• 08

  Milestone billing

  50% at kickoff, 50% at completion

• 09

  Change orders

  CO #1, CO #2, tracked as separate line items

• 10

  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.

• 01

  Standard payment terms built in (Net 7 / 15 / 30 / 60)

• 02

  Notes field for license number, insurance, W-9, and terms

• 03

  Invoice number auto-assigned, sequential, and searchable

• 04

  Deposit + final invoice pairs supported

• 05

  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.

• 01

  Payment link included on every invoice — no setup

• 02

  Client pays by Visa, Mastercard, Amex, or Discover

• 03

  ACH bank transfer also supported for US clients

• 04

  QR-code payment option — great for on-site payment

• 05

  3% + $0.30 per transaction. No monthly fee. Ever.

• 06

  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.

• 01

  Weekly, monthly, quarterly, or custom billing schedule

• 02

  Invoice generates and sends without you touching it

• 03

  Client gets notified each cycle with a payment link

• 04

  Automatic payment collection coming soon

Send invoices from Claude, ChatGPT, or Cursor.

New in 2026: Holdings connects to Claude, ChatGPT, and Cursor via 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.

• 01

  Works with Claude Desktop, ChatGPT, Cursor, and any MCP-compatible agent

• 02

  Draft-by-default: AI never sends without your review

• 03

  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