Contractors in today’s fast-paced economy face a balancing act between managing projects and chasing payments. Whether it’s coordinating with subcontractors, updating estimates, or ensuring payments land on time, staying organized is paramount. The good news? You don’t have to navigate these waters manually. With the right invoicing software, contractors can simplify billing, enhance professionalism, and foster punctual payments—all without breaking a sweat.
In this article, we’ll uncover five of the best invoicing software options tailored for contractors. These platforms help streamline payment processes, support expense tracking, and reduce administrative friction so you can focus on completing the job, not on paperwork.
Why Contractors Need Specialized Invoicing Tools
Construction and contracting projects don’t function like conventional businesses. They involve fluctuating scopes of work, evolving material costs, milestone-based payments, and frequent change orders. Attempting to manage these nuances manually can lead to missed payments, calculation errors, and frustrating delays.
Modern invoicing tools help contractors simplify these challenges. They offer automation, mobile accessibility, and seamless integrations, all while maintaining accuracy and a professional appearance. From generating estimates to receiving payments through diverse gateways, these tools are engineered to lighten your load and bolster your cash flow.
Top 5 Invoicing Software for Contractors
Let’s delve into five platforms that have stood out for their features, user feedback, and functionality tailored to contractors.
1. ZarMoney
ZarMoney excels as an adaptable and intuitive invoicing platform, catering to contractors across different business sizes. Its dashboard is rich with automation features, allowing professionals to prepare and send invoices with remarkable ease.
Among its strengths is the ability to create customized invoice templates that reflect a contractor’s brand identity. Invoices can be embellished with logos and personalized layouts, which not only build credibility but also make transactions traceable and client-friendly.
ZarMoney’s prowess in handling payment integrations is equally commendable. It supports payment via Stripe, PayPal, and other trusted gateways. For contractors dealing with multiple vendors and ongoing stock requirements, ZarMoney’s inventory management component ensures nothing slips through the cracks.
Pricing is transparent, with plans ranging from solo users at modest monthly rates to enterprise tiers offering advanced scalability.
2. Z-based Invoicing Software
Built with contractors in mind, this solution offers a comprehensive set of invoicing features geared toward adaptability and precision. The software converts estimates into invoices within seconds and allows for deep invoice customization—ideal for businesses juggling varied service types or multiple client profiles.
Its interface is easy to navigate, yet surprisingly powerful. Contractors benefit from multi-format payment options, over a dozen payment gateways, and support for tax-compliant billing systems. The platform also facilitates digital approval flows, ensuring invoices move swiftly from draft to paid status.
Cloud accessibility means invoices can be reviewed or sent on the move, which is particularly useful for contractors who operate from job sites more than office chairs. Automated reminders, report generation, and client-specific data fields round off a suite of features aimed at reducing payment delays and human error.
3. Invoice2Go
Contractors on the move appreciate tools that can travel with them, and Invoice2Go meets that need squarely. Its mobile-first design allows for swift invoice generation from any location, right from a smartphone.
Users can log work hours, itemize materials, and email invoices without returning to the office. This is a game-changer for general contractors, electricians, or plumbers juggling multiple jobs per week.
The platform includes banking integrations and connects with accounting software to keep books tidy. Invoice2Go also features built-in nudging mechanisms—automated payment reminders that encourage clients to settle their dues promptly. The platform’s flexibility and pricing make it particularly attractive to freelancers and small contractors.
4. Joist
Joist shines as a user-centric platform tailored for general contractors. It allows users to draft estimates, generate invoices, and issue work orders—all from a unified, intuitive interface.
Contractors can capture client signatures electronically, attach photos or contracts to invoices, and convert accepted estimates into payable bills in moments. For anyone managing multi-stage jobs, Joist also offers custom payment schedules that align with project milestones, improving cash flow predictability.
What makes Joist particularly compelling is its integrated payment feature. Contractors can collect deposits or full payments directly from invoices, through options like credit cards or e-checks. Document storage is seamless, enabling users to centralize contracts, images, and notes in the cloud, accessible anytime, anywhere.
Its value extends to project tracking as well. With a dashboard that offers full visibility into pending and completed jobs, Joist keeps contractors ahead of the game.
5. Square Invoices
Square’s invoicing platform brings its ecosystem into the contractor space, offering a modern, reliable way to get paid quickly and securely. Contractors can send detailed estimates, convert them into invoices upon approval, and collect payments through numerous methods—credit cards, digital wallets, and ACH bank transfers, among them.
Electronic contracts and signature support add a legal dimension to transactions, helping reduce disputes. Square also provides visual dashboards that allow users to see overdue, pending, and paid invoices at a glance. For contractors, this insight is critical to maintaining momentum and ensuring cash-flow hiccups do not hold up projects.
Another valuable feature is Square’s automatic follow-up. If an invoice hasn’t been paid, the system sends gentle reminders, so you don’t have to. Its no-subscription option also means contractors can start for free, paying only transaction fees, which is ideal for occasional users or small operations.
Selecting the Right Platform for Your Business
Choosing invoicing software should not be a whimsical decision. Consider the complexity of your projects, your need for mobile access, and how integrated you want your invoicing to be with other parts of your business, like accounting or project management.
Some platforms cater better to high-volume enterprises, offering intricate features and broader integrations. Others shine in simplicity and are perfect for independent contractors or small teams. Evaluate your invoicing needs based on payment types, customization levels, automation preferences, and client expectations.
Comparing Features to Choose the Right Invoicing Software for Contractors
When it comes to choosing invoicing software, contractors need more than just a digital billing tool. They need a platform that adapts to the fluid nature of construction and trade-based work. Whether it’s generating estimates on-site, managing partial payments, or tracking expenses across multiple job sites, the right software should serve as a smart assistant, not just a glorified calculator.
In this installment, we go beyond the names and logos to compare the core features that matter most for contractors. We’re not just looking at who has the flashiest design, but who understands what it takes to get paid in a world of shifting timelines, evolving scopes, and high client expectations.
Let’s explore the major features that define a contractor-friendly invoicing system—and see how the top contenders measure up.
1. Estimate-to-Invoice Conversion
Contractors often start with quotes or estimates before any invoice can be sent. Having the ability to convert those estimates into invoices without re-entering all the data can save hours each week.
Standout Tools:
- Joist excels here, offering seamless conversion from quotes to invoices. It also allows clients to approve estimates electronically, cutting down the wait time between bid and billing.
- Invoice2Go allows for quick conversion on mobile, which is useful for field workers who prepare estimates on-site.
- ZarMoney offers template-based workflows that automate this process, saving even more time for busy professionals.
2. Mobile Accessibility
Contractors aren’t chained to a desk. A mobile-friendly tool ensures invoicing tasks can be completed right from the job site or vehicle.
Standout Tools:
- Invoice2Go is built with mobile users in mind. From tracking time to sending a payment request, it performs smoothly on smartphones.
- Joist also shines here, offering a mobile app that allows for estimate creation, invoice editing, and payment collection—even when offline.
- Square Invoices provides an easy-to-use mobile interface, synced with the broader Square ecosystem, including its point-of-sale capabilities.
3. Partial and Milestone Payments
Large projects often require payment in stages, such as upfront deposits, progress payments, and final balances. Supporting partial payments is crucial to maintaining healthy cash flow.
Standout Tools:
- Joist allows users to define custom payment schedules linked to project milestones. This is perfect for phased construction jobs or long-term contracts.
- Square Invoices supports partial payments with clear tracking of what’s been paid and what’s outstanding.
- ZarMoney includes multi-payment handling and custom due dates, ideal for contractors juggling several contracts.
4. Custom Templates and Branding
Your invoices represent your business. Customization ensures your documents look polished and professional, reflecting your brand identity.
Standout Tools:
- ZarMoney provides fully customizable templates where users can add logos, color schemes, and branding elements.
- Invoice2Go offers stylish templates and even allows personalized messages with each invoice.
- Square Invoices lets you add custom headers, footers, and logos, though design customization is somewhat limited compared to others.
5. Automated Reminders
Following up on late payments is awkward and time-consuming. Automated reminders keep things professional—and persistent—without the personal hassle.
Standout Tools:
- Square Invoices automatically sends payment reminders and updates invoice statuses in real time.
- Invoice2Go has reminder flows built into the invoice lifecycle, reducing the need for manual follow-ups.
- Joist includes reminder features, though customization is more basic.
6. Expense and Inventory Tracking
Contractors often purchase materials on the fly or track expenses across multiple jobs. Having a system that captures and categorizes those expenses is a game-changer.
Standout Tools:
- ZarMoney includes real-time inventory tracking and expense reporting, ideal for contractors managing their materials.
- Square offers basic expense tracking and integrates with other accounting tools for deeper insights.
- Invoice2Go includes receipt capture, making it easier to log and organize purchases.
7. Client Communication and Approvals
Whether it’s getting client signatures, handling revisions, or confirming changes, client communication is a key part of invoicing.
Standout Tools:
- Joist allows for in-app client approvals, with digital signatures that streamline the project start process.
- Square Invoices includes approval flows, making it easy to get sign-off before billing.
- Invoice2Go lets you send messages directly from the invoice dashboard, but doesn’t currently support signatures.
8. Multiple Payment Gateways
The more payment options you offer, the faster you get paid. Clients may prefer a card, bank transfer, PayPal, or digital wallets.
Standout Tools:
- Square naturally leads here, with support for multiple payment types, including contactless and card-on-file.
- Joist integrates with Stripe and PayPal, covering the major digital payment methods.
- ZarMoney supports a wide range of gateways and also allows offline payment recording.
9. Ease of Use and Learning Curve
Time spent learning complex software is time not spent earning. A tool should feel intuitive, even for those who aren’t tech-savvy.
Standout Tools:
- Invoice2Go is known for its clean, minimal interface and ease of use.
- Joist is tailored for contractors and offers a very simple onboarding process.
- Square Invoices provides quick setup and integrates easily if you already use Square tools.
10. Pricing Flexibility
Whether you’re a solo operator or leading a crew of subcontractors, pricing should scale with your needs, not work against you.
Standout Tools:
- Square Invoices offers a pay-as-you-go model—great for part-time contractors or seasonal workers.
- Joist has both free and premium tiers, giving new users the chance to test its core features.
- ZarMoney provides multi-user pricing, suitable for growing contracting teams.
Real-Life Contractor Success Stories with Invoicing Software
When you’re managing multiple job sites, subcontractors, change orders, and ever-shifting timelines, paperwork often becomes the biggest bottleneck. Missed invoices, delayed payments, and disorganized receipts can quietly erode a contractor’s bottom line.
But what happens when the right invoicing software steps in?
In this part of our series, we explore real-world examples of contractors who’ve simplified their operations and streamlined their billing workflows. From independent electricians to full-scale home renovation crews, these stories reveal how smart tools can create a serious impact, without adding complexity.
1. The Solo Electrician Who Cut Payment Time by 70%
Name: Jordan M., Independent Electrician
Location: Milwaukee, WI
Jordan had been running his electrical business solo for over five years. While he had a solid reputation, he struggled to get paid on time. He used handwritten invoices and occasionally emailed PDFs, but often clients would “forget” or delay payment.
After switching to a mobile-friendly invoicing app, Jordan noticed a major shift. He could now:
- Generate estimates on-site using his phone
- Convert estimates to invoices with a single click.
- Accept credit card payments directly through the invoice link
- Set up automatic payment reminders after the due date.
Within three months, his average payment turnaround dropped from 21 days to 6 days.
“I don’t chase checks anymore,” Jordan said. “Clients click the link, pay, and we’re done. It’s professional, simple, and fast.”
2. The Renovation Team That Reclaimed 10 Hours a Week
Name: Gita & Sons Home Remodeling
Location: Atlanta, GA
Gita managed a small remodeling business with her two sons. They handled everything from kitchen makeovers to full home renovations. While they were great with tools, managing invoices, deposits, and receipts was another story.
Every project required a signed estimate, a deposit, a mid-way payment, and a final invoice. They often forgot to send follow-ups or issue reminders, and their spreadsheet tracking system was riddled with errors.
Once they adopted invoicing software that supported milestone payments and automated reminders, things changed rapidly:
- Deposits were requested and collected before work began
- Mid-project reminders were sent automatically.
- All payment activity was tracked in one dashboard.d
By automating those repetitive tasks, the team saved 8–10 hours per week, time they now spend on the job site or with new leads.
“We used to work overtime just to send invoices. Now it takes minutes, and nothing slips through the cracks,” Gita shared.
3. The Landscaping Crew That Won Over Clients with Branded Invoices
Name: FreshGreen Outdoor Services
Location: Sacramento, CA
This landscaping company prided itself on professional service and tidy, beautiful yards. But their invoicing didn’t reflect the same polish. They were using generic templates without branding, and clients sometimes confused their bills with spam.
After upgrading to an invoicing platform with branded templates, they customized their invoices with:
- A logo and tagline
- Green-themed color palette
- Professional font and design
- Personalized thank-you notes
Not only did their invoices look more professional, but clients responded faster and paid more consistently.
“It’s about perception,” said FreshGreen’s founder, Damon. “Now our bills look like they come from a real business, not a side hustle.”
4. The Roofer Who Switched from Paper to Mobile
Name: Luis C., Roofing Contractor
Location: Phoenix, AZ
Luis had been keeping everything old-school: carbon-copy estimates, hand-written invoices, and cash or check payments. But a recent home inspection gig opened his eyes to digital tools. The client asked for an emailed invoice with a credit card option.
Realizing he was falling behind the times, Luis started using a mobile app that allowed him to:
- Create and send invoices directly from his truck
- Accept credit card payments through his phone.
- Capture photos and attach them to estimates for clarity.y
The result? Faster invoicing, fewer lost papers, and a 30% increase in successful payment collection.
“I didn’t think digital would work for me,” Luis admitted. “But now, I’d never go back to paper.”
5. The General Contractor Who Finally Got Paid for Extras
Name: Marie T., General Contractor
Location: Denver, CO
Marie’s team took on home additions and large renovation projects, which often evolved mid-way. Clients would request additional work—a new porch, extra lighting, upgraded flooring—but when the final invoice came, disputes arose over charges.
She solved this with an invoicing platform that supported:
- Estimate revisions with digital approval
- Change orders are documented and signed via email.
- Line-item clarity in each invoice
Now, when changes are requested, Marie sends an updated estimate with detailed costs. Clients approve it before work continues, and there are no surprises at the end.
“I finally get paid for every bit of extra work,” Marie said. “It’s all documented. No more guesswork or uncomfortable conversations.”
Key Takeaways from These Stories
While each contractor had a unique challenge, they all benefited from the same core features in their invoicing software:
- Estimate-to-invoice conversion to reduce manual input
- Automated reminders to encourage faster payments
- Branded documents for a polished, trustworthy look
- Mobile invoicing for field-based flexibility
- Digital approval flows to reduce disputes.
Whether working solo or managing a team, each of these professionals turned invoicing from a pain point into a productivity tool. More than that, they reclaimed time, enhanced their cash flow, and built stronger relationships with clients through transparency and professionalism.
The Mindset Shift: From “Paperwork” to “Power Move”
Many contractors see invoicing as an afterthought—a necessary evil to wrap up a job. But in reality, it’s a strategic tool. The way you handle billing shapes how clients perceive your business, how quickly you get paid, and how much time you have for actual work.
Invoicing software isn’t just for accountants or large corporations. It’s for every contractor who wants to:
- Spend less time on admin
- Reduce payment delays
- Protect their profits
- Build trust with clients.
How to Choose the Right Invoicing Software for Your Contracting Business
Choosing the right invoicing software is one of the most impactful decisions a contractor can make to streamline business operations. While it may seem like a small component of the overall workflow, an effective invoicing system simplifies everything from quoting to payments, helping to maintain cash flow, reduce errors, and avoid miscommunication with clients. In this final installment of our series on invoicing solutions for contractors, we’ll guide you through the essential steps and considerations to choose the best invoicing software for your specific needs.
Understand Your Business Needs First
The first step in choosing the right invoicing software is understanding the specific needs of your business. Contractors often have unique workflows compared to other types of businesses. Some contractors work on short-term projects that are easily billed, while others might handle long-term, ongoing projects that require milestone-based invoicing or tracking materials and labor over time. The way you bill and the services you offer will greatly influence your choice of invoicing solution.
Here are some questions to ask yourself before selecting software:
- What type of contractor are you?
Are you a solo entrepreneur, like a freelance electrician or plumber, or do you manage a team of workers? The size and complexity of your business will determine which software features will be most beneficial. - How do you prefer to bill clients?
Do you charge by the hour, project, or milestone? Do you require recurring invoices for maintenance contracts or service calls? Make sure your invoicing software can accommodate your billing structure. - Do you need to track materials or time?
If your projects involve tracking materials purchased or logging time spent on each task, you’ll want a system that can integrate these details into your invoices. - Do you work remotely or in the field?
Many contractors spend a significant amount of time away from offices. If you need access to your invoicing system while on the jobyour software must be mobile-friendly and accessible on smartphones and tablets. - Do you need to accept online payments?
Being able to accept payments digitally is increasingly important in today’s business world. Invoices that allow for immediate payment through credit cards, bank transfers, or online payment systems can significantly speed up your cash flow.
Once you have a clear picture of your needs, you can begin to focus on the features that matter most to your business.
Essential Features for Contractors
When evaluating invoicing software, several key features will make or break your decision. These features are the foundation of any good invoicing tool for contractors.
1. Estimate to Invoice Conversion
As a contractor, you likely provide estimates before you begin work. An invoicing system that allows you to easily convert estimates into invoices is essential for saving time and ensuring accuracy. A seamless transition from an estimate to an invoice reduces the chances of errors and avoids the need for manual adjustments.
2. Progress Billing
For contractors who work on long-term projects, progress billing is a must-have feature. This enables you to create invoices based on the progress of the project, whether you’re billing after completing certain milestones or at set intervals. This flexibility allows you to keep cash flow consistent throughout the project, which is particularly important for large-scale construction or remodeling jobs.
3. Time and Material Tracking
Contractors who charge for both time and materials should look for software that allows them to track these elements in real-time. The ability to log hours worked, materials used, and other project details ensures that all billable work is properly accounted for in the final invoice. Having this information automatically linked to your invoicing system can save hours of administrative work.
4. Customizable Templates
Invoicing software that offers customizable templates enables you to add your branding to invoices. Having a professional, branded invoice helps reinforce your business identity and adds credibility to your operations. Whether it’s your logo, color scheme, or payment terms, being able to customize the appearance of your invoices makes a big difference.
5. Mobile Access
As a contractor, you likely spend most of your day on job sites rather than at a desk. Having invoicing software that’s mobile-friendly is crucial for staying productive while on the go. Look for software that allows you to send invoices directly from your phone, track payments, and receive real-time updates on invoice status—all from wherever you are working.
6. Recurring Invoices
For contractors with service agreements or maintenance contracts, recurring invoicing is invaluable. This feature lets you set up invoices to be sent at regular intervals, reducing the need to manually create an invoice every month. Whether it’s for ongoing maintenance, monthly inspections, or warranty work, recurring invoices save time and ensure that no payment is missed.
7. Automated Payment Reminders
Late payments are an unfortunate reality for many contractors. An invoicing tool that automatically sends reminders when an invoice is due or past due can be a game-changer. This automated feature takes the pressure off you to follow up with clients, ensuring that your cash flow remains uninterrupted.
8. Online Payment Integration
Accepting payments online is no longer just a convenience—it’s expected. Clients are more likely to pay faster when they can do so directly from the invoice. The best invoicing platforms integrate with popular online payment systems like PayPal, Stripe, or direct bank transfers, making it easy for your clients to pay instantly.
9. Detailed Reporting and Analytics
Being able to track and analyze your invoicing data is essential for making informed business decisions. Many invoicing platforms offer reporting tools that help you monitor your cash flow, track outstanding payments, and see which clients are regularly late on their invoices. Having detailed financial reports can also help during tax season or when you need to show proof of income to secure a loan.
10. Integration with Accounting Software
Most contractors also use accounting software for tracking expenses, payroll, and taxes. Ensuring that your invoicing software integrates with your accounting tools can save you significant time on manual data entry and improve the accuracy of your financial records. Check if the software connects with popular platforms like QuickBooks, Xero, or other accounting tools you use.
Pricing: Finding the Right Fit
Pricing is a major consideration when selecting invoicing software. As a contractor, you need to ensure that the software fits within your budget, but also that it provides enough value for your business. Most invoicing platforms offer tiered pricing based on the features included, with some offering free plans for freelancers or small businesses.
Here are some common pricing structures:
- Free Plans: Ideal for solo contractors or small businesses just starting. Free plans typically offer basic invoicing features but may lack advanced capabilities like recurring billing or advanced reporting.
- Monthly Subscriptions: Many platforms offer monthly subscriptions ranging from $10 to $50 per month, depending on the features included. Subscriptions may provide access to all features with limits on the number of users, clients, or invoices.
- Per Invoice Fees: Some platforms charge based on the number of invoices you send per month or year. This can be a good option for contractors who only send a few invoices per month, but it may become expensive if your invoicing volume increases.
- Annual Plans: If you’re confident that the software will meet your needs for the long term, many platforms offer discounts for annual commitments. These discounts typically range from 10% to 30% off the monthly rate.
When evaluating pricing, consider not just the software’s upfront cost, but also the value it provides in terms of time savings, streamlined workflows, and reduced errors. Investing in high-quality invoicing software can save you money in the long run by improving cash flow, reducing admin hours, and eliminating costly mistakes.
Evaluate Customer Support and Reviews
Good customer support is crucial when choosing invoicing software. Even the best platforms can experience issues or need adjustments, and you’ll want to know that help is available when you need it. Look for platforms that offer a variety of support options, such as:
- Live chat for quick questions
- Phone support for more complex issues
- Comprehensive knowledge bases with FAQs and guides
- Tutorial videos that walk you through how to use key features
In addition to support, user reviews can provide valuable insight into the user experience. Reading feedback from other contractors can help you understand how the software performs in real-world situations. Look for reviews that focus on the specific features you care about, such as mobile access, time tracking, and payment integration.
Conclusion: Making the Final Decision
By now, you should have a clearer idea of what features are most important to your contracting business. Whether you prioritize mobile invoicing, recurring billing, or seamless integration with accounting software, selecting the right invoicing solution is critical to maintaining smooth operations.
Take your time in selecting the software that best matches your needs. Test out several options with free trials, and carefully compare pricing, features, and ease of use. And remember, the best tool is one that not only meets your current needs but can scale with your business as it grows.
The right invoicing software will not only streamline your billing process but will also give you the freedom to focus on what truly matters—running your business and taking on more projects, all while ensuring that you get paid on time.