Subcontractor Financial Readiness · Free Resource
Retainage by State
How much your customer can hold back — and when you get it back — depends entirely on where the job is. Tap your state to see the public and private retainage caps, release timing, and interest rules that govern your cash.
The full 50-state retainage table
"No statutory cap" means the percentage is whatever your contract says — so the number in your subcontract is the rule. Search filters the map and table together.
| State | Public cap | Private cap | Release timing | Interest / escrow |
|---|
On mobile, scroll the table sideways to see all columns.
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Retainage is one piece of your work-to-cash cycle. Breva keeps your pay apps clean, your cash visible, and your retainage tracked across every job — in one auditable loop.
Disclaimer. This page is general information, not financial or legal advice. Retainage statutes change frequently, vary by project type and contract value, and contain exceptions this summary does not capture. Figures reflect Breva's research as of June 2026 and should be confirmed against the current statute and qualified legal counsel before you act on any specific project. Breva is a financial operations platform — not a law firm or a lender. Cadence Financial Group, Inc. DBA Breva®.
