United States

Business financing by state

Every state writes its own construction payment law, and no two of the three below agree on anything that matters. One gives an owner fifteen days to pay and one gives him sixty. One exempts an entire industry from the rules. One lets a signed waiver decide you were paid when you were not.

Start the fit check Financing in Canada

Side by side

Three states, three different clocks.

State	Owner pays	Sub paid	Retainage	Lien filing
Texas	35 days	7 days	10%	15th day of 4th month
Virginia	60 days	7 days after owner pays	5% public, uncapped private	90 days
Georgia	15 days	10 days	No private cap	90 days

The states

Each one breaks in a different place.

Texas

Oilfield work is exempt entirely

Owner pays: 35 days
Lien filing: 15th day of 4th month

Texas financing

Virginia

Pay-if-paid is unenforceable

Owner pays: 60 days
Lien filing: 90 days

Virginia financing

Georgia

A signed waiver goes conclusive at 90 days

Owner pays: 15 days
Lien filing: 90 days

Georgia financing

Financing in Canada is covered separately, province by province, on the provincial hub.

Crewline is a referral and matching service, not a lender. We do not make credit decisions or guarantee approval. Financing is provided by third-party lenders subject to their own terms and criteria.