Commercial Ledger
See due, paid and outstanding values across every payment application in one clear commercial view.
Commercial dashboard
Live payment position
Outstanding
£23,500
Due soon
4
Notices
2
Application 04
£42,000 claimed
Payment received
£18,500 paid
Pay Less notice
Window open
Commercial visibility
Stop rebuilding payment trackers every week.
Spreadsheet ledger
- Outstanding values have to be calculated manually.
- Payments are tracked separately from applications.
- Contract-level cashflow is difficult to see.
- Reports depend on whoever last updated the spreadsheet.
SubPay ledger
- ✓Due, paid and outstanding values are shown together.
- ✓Payments are linked back to applications.
- ✓Each contract has a clear commercial position.
- ✓The team can review the same live payment picture.
Live payment position
Understand what is due, paid and still outstanding.
The commercial ledger brings payment applications and payments together so you can quickly see the financial position across your contracts.
See outstanding balances
Identify unpaid and part-paid applications without manual spreadsheet formulas.
Connect payments to applications
Every payment sits against the correct contract and application.
Review contract totals
Understand the wider commercial position without switching between files.
Ledger view
Payment position
A clear breakdown of due, paid and outstanding values across active applications.
Due
£42,000
Paid
£18,500
Outstanding
£23,500
Features
A ledger built around construction payment workflows.
SubPay connects the values that matter most to commercial teams.
Due values
See the value due against each payment application.
Paid values
Record payments and keep totals visible.
Outstanding values
Track unpaid balances without manual reconciliation.
Contract grouping
View payment position by contract and application.
Payment dates
Keep due dates and final payment dates close to the numbers.
Searchable records
Find the applications and payments behind each ledger row.
Due
Application values visible by contract
Paid
Payments linked to the right application
Open
Outstanding balances easy to review
Live
Commercial position in one workspace
Comparison
A commercial ledger should be more than a manually updated spreadsheet.
SubPay gives your team a structured ledger connected to the payment workflow.
Manual ledger
SubPay ledger
Construction payment ledger
A clearer commercial ledger for construction payment management.
A construction payment ledger needs to do more than store numbers. It needs to show how payment applications, received payments and outstanding balances relate to each contract. When this information is split across spreadsheets, accounting notes and email updates, it becomes difficult to understand the true commercial position.
SubPay brings the ledger closer to the workflow. Applications create the expected value, payments reduce the outstanding amount and the ledger gives the team a clearer view of what is due, paid and still open. This helps commercial teams review cashflow, spot unpaid applications and understand which contracts need attention.
For subcontractors and contractors, this creates a more reliable payment picture. Instead of relying on manual updates, disconnected formulas or old exports, the ledger is connected to the records already being managed inside SubPay.
FAQ
Commercial ledger questions
Common questions about using SubPay as a construction payment ledger.
Yes. The ledger shows due, paid and outstanding values so you can quickly understand payment position.
Yes. Payments are connected to the relevant payment application and contract.
Yes. SubPay supports contract-level views so you can review payment position for a specific contract.
Get started
See your payment position without rebuilding another spreadsheet.
Use SubPay to connect contracts, applications, payments, notices and outstanding balances.