How much cash does getting paid against certification give back to you?
In construction, getting paid takes months — 96.5 days on average in Spain (PMcM), 81 in Portugal, the worst in the EU. PactStream inverts the order: the project's money is held in a regulated account before work starts, and each verified certification releases your payment within 24 hours of the milestone being validated. Move your project's figures and see what that is worth — even when it doesn't favour us.
Your tier (founder pricing, per operation): 1.5% (€400,000 – 1M)
The money, straight
THE WORKING CAPITAL ALONE ALREADY PAYS THE FEE
+4,862 €
And working capital is only the part you can measure in euros. What really changes doesn't depend on this number— it's right below, and it's worth the same for you and for your client.
What doesn’t depend on the calculation
For you
- You get paid against your certified progress, not against your client’s cash flow.
- Non-payment stops being possible: the money is held in a regulated account before work starts.
- If there’s a disagreement, only the disputed amount is set aside. Work doesn’t stop.
For your client
- Their money is released against verified certification, never in advance.
- They pay for executed and sealed work, not for promises.
- If a problem arises, they hold back only what they dispute — the rest keeps flowing.
Advancing those 89 days via confirming at 9% would cost you 15,534 € — with recourse: if your client doesn't pay, the bank claims it back from you. And it doesn't resolve whether the work was properly executed.
Your payment stops depending on your client. It depends on your progress. That's PactStream.
Reserve my seat in PactStream →Indicative calculation on the amount held in custody for the operation, using the published founder pricing ladder (2.4% <€100K · 2.0% €100–400K · 1.5% €400K–1M · 1.2% >€1M). The 24-hour term runs from validation of the milestone. Not a binding offer.