Contractor+ and CashFlowSmart: How Invoice Data Flows Into Your Cash Position

Contractor+ is where many general contractors manage their estimates, invoices, and client payments. It is a strong field operations tool. But the financial data it generates — invoiced amounts, payment status, outstanding balances — lives in a separate system from your bank transactions, your job costs, and your overhead. CashFlowSmart bridges that gap.

The Data Silo Problem

When you send an invoice through Contractor+ and the client pays, that payment eventually shows up in your bank account as a settlement deposit. The bank description typically reads something like "CONTRACTOR PLUS SETTLEMENT" followed by a reference number. Your bank does not know which job that settlement came from. It does not know whether it represents full payment or a partial draw. It does not know whether retainage was withheld.

Without an integration, you are left manually reconciling two systems: Contractor+ tells you what was invoiced and paid, and your bank statement tells you what cash arrived. Matching those two data streams by hand is time-consuming and error-prone — especially when multiple settlements arrive in the same week from different jobs.

What the Contractor+ Integration Does

CashFlowSmart connects to Contractor+ and pulls invoice data — job name, invoice amount, payment status, and any retainage withheld — and matches it against your bank transaction feed. When a CONTRACTOR PLUS SETTLEMENT arrives in your bank account, the system automatically links it to the corresponding invoice in Contractor+ and tags the transaction with the correct job, the correct revenue amount, and the correct retainage held.

This means your Monday Morning Truth Card reflects not just what cash arrived, but which jobs it came from and how much of it is locked in retainage. The Safe-to-Spend calculation is accurate because the system knows the difference between a $90,000 settlement (full payment on a $90,000 invoice) and a $90,000 settlement (90% payment on a $100,000 invoice with $10,000 retainage held).

The Invoice-to-Cash Reconciliation Flow

The integration works in three steps. First, Contractor+ invoice data is synced into CashFlowSmart's project snapshots — each job has a running total of invoiced amount, collected amount, and retainage held. Second, when a bank statement is uploaded, the settlement deposits are matched against open invoices using the settlement reference number and amount. Third, matched transactions are automatically categorized as revenue and tagged to the correct job, while unmatched settlements go to the admin review queue for manual assignment.

The admin review queue is the safety valve. Not every settlement will match automatically — some will have reference numbers that do not correspond to a single invoice, and some will be partial payments that require manual splitting. The queue surfaces these exceptions clearly so an admin can resolve them in a single focused session rather than hunting through two systems trying to find the discrepancy.

What This Means for Your Monday Morning Truth Card

With the Contractor+ integration active, your Monday Morning Truth Card is built from three data sources simultaneously: your bank statement (actual cash received), your Contractor+ invoices (what is owed and what has been paid), and your categorized expenses (what you have spent and on what). The Safe-to-Spend number reflects all three. The 90-day forecast includes your outstanding Contractor+ invoices as projected inflows, weighted by their payment probability based on the client's historical payment speed.