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UK construction · operator-only JCT + NEC contract frameworks AMAYA Holdings sector brand
Builders Trust · Free Decision Tools · Construction

Get paid right. Stay compliant. Move the job on.

Free decision tools for UK construction operators. CADSnap + TradeSnap. Retention release, payment notices, adjudication maths, bond logistics, CIS deductions — calculated against current UK construction law.

Built around the construction operator's actual day. No subscription, no paywall, no funnel theatre. Free is the funnel; the tools themselves are real. Operator-list only for the deeper sector intel digest.

/ NUMBERS / WHAT THE BRAND LOOKS LIKE
£0
Cost to run a snap · always
2
Live snap-tools · CADSnap + TradeSnap
JCT + NEC
UK contract frameworks covered
48h
Operator enquiry response · personally
/ TOOLS / THE BUILDERS TRUST OPERATING SET

Two snap-tools. One sector intel feed.

Each one scoped to one operating question. Free to run. Open to anyone in the UK construction sector.

CADSnap is for the QS / main-contractor side of the payment chain — retention release, payment notices, adjudication maths, bond logistics, CAD conversion. TradeSnap is for the trade-operator side — job costing, invoicing rhythm, CIS deduction maths, retention chase. Both run free in the browser. No login. No paywall.

Tool 01 · Free
CADSnap — QS / main-contractor calculator set
Retention release maths against JCT & NEC. Payment notice generators (pay-less, payment, final). Adjudication maths under the Construction Act + LDEDC Act. Bond logistics — on-demand vs conditional, performance vs payment, parent-company guarantees. CAD conversion utilities. Free. Browser-only. No login.
Run CADSnap free →
Tool 02 · Free
TradeSnap
Trade-operator side. Job costing rhythm, invoicing maths, CIS deduction calculations (20% / 30% / gross), retention chase letters, day-rate vs price-work checks.
Run TradeSnap free →
Tool 03 · Operator-list only
Sector Intel
Curated weekly digest of UK construction regulation, payment data, sector signals. Build Britain commitments, MMC framework drift, modular standards, retention reform watch. Email-gated by your choice.
Operator-list only
Reference · Live build
British Steel Homes
A live ATTOH-built brand surface for a UK modular steel-frame housing manufacturer. Industrial palette, four-step process journey, franchise programme. The reference for what the deeper ATTOH agency tier produces.
See the case study →
Tool 04 · Coming
Insurance Snap
PII (Professional Indemnity Insurance), employer's liability minimums, JCT-clause insurance triggers, latent defects (10-year warranties). Calculator + summary cribsheet. In build.
Operator-list notified
Tool 05 · Coming
Programme Snap
Extensions of time (EoT) calculator. Delay-event evaluation against JCT & NEC. Concurrent delay handling. Programme cost-impact estimator. In build.
Operator-list notified
Tool 06 · Coming
Tender Snap
Bid / no-bid scoring against operator-set criteria. P-rates vs S-rates. PQQ + framework pre-qualification cribsheet. Public-sector procurement timing windows. In build.
Operator-list notified
/ CATEGORIES / WHAT THE CALCULATORS HANDLE

Six calculation categories. One snap drawer.

Every snap inside CADSnap and TradeSnap maps to one of six recurring operating questions. The maths is hard-coded against current UK statute and standard contract forms.

Category 01

Retention release

Half-retention on practical completion. Full retention on end-of-defects-liability. Retention reform watch. JCT vs NEC vs subcontract forms. Insolvent main-contractor routes (employer, bond, parent guarantee).

  • JCT Standard, Intermediate, Minor
  • NEC Option A through F
  • DOM/1, DOM/2 subcontracts
  • Construction Act adjudication route
Most-run snap category
Category 02

Payment notices

Pay-less notice generator. Payment notice (under Construction Act s.110A). Final payment notice. Default payment notice. LDEDC Act 2009 amendment compliance. Timing windows and trigger events.

  • Construction Act 1996
  • LDEDC Act 2009
  • Timing windows · trigger events
  • Pay-less, payment, final, default
Statutory-form generators
Category 03

Adjudication maths

Sum-in-dispute calculations. Interest under the Late Payment Act + JCT/NEC clauses. Adjudicator fee splits. Costs-recovery routes. Statutory adjudication vs contractual. Smith v Mills doctrine summary.

  • Statutory adjudication route
  • Interest + LPA calculation
  • Adjudicator fee split
  • Standard-form contract switching
Pre-formal-dispute prep
Category 04

Bond logistics

On-demand vs conditional. Performance vs payment. Parent-company guarantee vs surety. ABI standard vs ICC standard. Trigger events, claim-by date, expiry handling, replacement bond logistics.

  • On-demand · conditional
  • Performance · payment
  • Parent-company guarantee
  • ABI · ICC standard forms
Pre-execution risk maths
Category 05

CIS deductions

20% / 30% / gross-payment status calculation. Subcontractor verification flows. Monthly return prep (CIS300). Penalty maths. Gross-payment-status thresholds. New CIS reform tracking.

  • 20% / 30% / gross status
  • Verification + UTR check
  • CIS300 monthly return
  • Penalty calculation
Trade-operator side · TradeSnap
Category 06

CAD conversion

DWG / DXF / PDF utility set. Layer / hatch handling. Bills-of-quantity extraction. Scale verification. Drawing-register tracking. Plus working-out for as-built drawings vs construction issue.

  • DWG · DXF · PDF
  • Bills-of-quantity extract
  • Drawing-register tracking
  • As-built vs construction issue
Pre-formal-QS prep
/ STORY / WHY THE TOOLS ARE FREE

The site is moving. The invoice is late. The retention is still where you left it twelve months ago.

Builders Trust is the calculator drawer for the operator chasing the money down the chain. Free tools for the questions the construction sector knows the answer to but never quite has time to do the maths on.

The brand is owned by Craig Attoh's best friend — a UK industrial / construction-services operator who built the calculator set in the first place because the consultancy version cost six months of fees for what was, in the end, a working spreadsheet. The deal: keep the tools free, route the deeper builds through the wider ATTOH Digital agency tier inside AMAYA Holdings.

The construction sector has been undersold by SaaS and oversold by consultancies for twenty years. The deals get signed against PDFs and the disputes get settled in adjudication. The maths is the maths — JCT, NEC, the Construction Act 1996, the LDEDC Act 2009, the Late Payment Act, CIS regulations, retention reform watch — and most operators do not have time to keep all of it in their head.

Builders Trust does the maths. The tools are even-handed: CADSnap surfaces what the operator on either side of the payment chain needs to know. JCT and NEC cut both ways. We just give the maths.

The brand is UK-only, construction-only, and R&D-eligible — the engineering work that builds the calculator set feeds into the wider AMAYA Holdings R&D claim. There's a Chinese contact and a UK council link inside the partnership network for operators working off-site or modular. The infrastructure underneath is the ATTOH.tech engineering stack — same plumbing that runs the rest of the group's tooling.

If you are looking for the maths on a retention chase, an adjudication, or a payment notice — this is the right drawer.

/ PRICING / THREE ROUTES INTO THE BRAND

Free. Operator-list. Or the full agency tier.

The snap drawer stays free. The sector intelligence digest is email-gated. The deeper custom build is the paid route — and that runs through ATTOH Digital inside AMAYA Holdings.

/ TIER 01 · SNAP DRAWER

Snap Drawer

FROM £0/ always

CADSnap + TradeSnap. Free. No login. No paywall. Run the maths and move the job on.

  • CADSnap — QS calculator set
  • TradeSnap — trade-operator set
  • JCT + NEC frameworks covered
  • Browser-only · no login
  • UK Construction Act compliant
Run a snap free →
/ TIER 03 · AGENCY TIER

ATTOH Agency

Pricing at launch/ build

Full ATTOH Digital custom build for construction operators — bespoke site, sector engine, lead pipeline, franchise portal scaffolding.

  • Custom-coded construction-sector site
  • Sector-engine + Snap suite integration
  • Franchise / fund-and-build portal scaffolding
  • British Steel Homes reference build
  • Routes through AMAYA Holdings spine
See the reference build →
/ PROCESS / FIVE STEPS · NO FUNNEL THEATRE

Open the drawer. Get the answer. Move the job on.

No login. No paywall. No subscription. Five plain steps from opening the calculator to having a number you can put in a letter today.

Step 01

Pick the question

Retention, payment notice, adjudication, bond, CIS, programme. Pick the operating question in front of you today. CADSnap for QS / main contractor side. TradeSnap for the trade-operator side.

In front of you · today
Step 02

Paste in the figures

Contract sum, retention %, certified values, payment dates, framework selection (JCT Standard, JCT Intermediate, NEC Option A, etc). The snap walks you through the inputs the calculation actually needs.

Browser-only · no save
Step 03

Get the maths

Calculated against current UK construction law. No paywall. No login. Hard numbers you can put in a letter today, alongside the statutory route, the timing window, and the next-step framework.

Hard numbers · clean output
Step 04

Optional brief

If the question is contested or the timing is tight, drop your email for the supporting brief — case law summary, template letter, decision tree for next steps. Email-gated by your choice.

Email-gated · one follow-up
Step 05

Use it. Move on.

Take the number to the QS, the solicitor, the main contractor, or the bond surety. Builders Trust is a starting point — the formal sign-off and the chase are still yours. The maths is ours; the move is yours.

Yours · always
Step 06

Need more?

For deeper work — custom calculator integration, full site build, lead pipeline, franchise portal scaffolding — route to the ATTOH Digital agency tier inside AMAYA Holdings. Reference build: British Steel Homes.

Agency tier · pricing at launch
/ OWNER / WHO BUILT THE DRAWER

Built by an operator. For operators.

"I built the calculator set because the consultancy version cost six months of fees for what was, in the end, a working spreadsheet. Now it lives behind a free front door. Run the snap. Move the job on. Pay nothing."

Builders Trust · UK construction operator · AMAYA Holdings sector brand

— Builders Trust

Builders Trust is owned by Craig Attoh's best friend — a UK industrial / construction-services operator who built the calculator set in the first place because the day-to-day questions kept costing six months of consultancy fees to settle. The deal: keep the tools free, route the deeper builds through ATTOH Digital inside AMAYA Holdings.

UK-only. R&D-eligible. There is a UK council link and a Chinese contact inside the partnership network for operators working off-site, modular, or import-heavy supply chains.

/ TESTIMONIALS / WHAT OPERATORS SAID

Quiet references. From the chain.

Builders Trust does not publish customer names. Below are anonymised reflections from operators who have run the snaps. Names available on request, post-mandate.

Ran CADSnap on a retention chase that had been open fourteen months. Came out with the exact statutory route and the maths to back it. Money landed three weeks later. The QS owed me a pint.
QS Director UK regional contractor · £18m annual turnover
The adjudication-maths snap saved us about £40k in retainer fees. We didn't need the QS firm for the first pass — we needed the maths to know whether to instruct them at all. Builders Trust gave us that for free.
Managing Director UK trade subcontractor · 38 staff
We use TradeSnap for the CIS deduction maths every month. The verification flow is exactly what HMRC wants. Saved us moving to a paid sub-contractor management tool for an extra £180 a month.
Finance Director UK groundworks · 24 sub-contractors on the books
The bond-logistics snap on a parent-company guarantee question would have cost us two weeks with the solicitor. Builders Trust gave the framework in five minutes. We instructed the solicitor on the right question.
Commercial Director UK main contractor · £42m turnover
Came in through CADSnap, ended up on the operator-list, then engaged ATTOH Digital for the custom site build. The handoff between the free side and the paid agency tier is invisible — same standard, same care.
Founder UK modular housing · £12m turnover · ATTOH agency tier
Used the payment-notice generator on a pay-less notice that was on the line between Construction Act compliant and not. The snap surfaced the timing window and the wording. We won the dispute without going to adjudication.
QS UK fit-out subcontractor · £6m turnover
/ FAQ / BEFORE YOU RUN A SNAP

Common questions about the tools.

If the answer isn't here, send a line to the operator-list inbox. We reply personally inside 48 hours.

01 Are the calculations legally binding? +
They are working calculations based on current UK construction law and standard contract frameworks (JCT, NEC). For formal adjudication, dispute, or final account, use the calculator output as a starting point and get sign-off from your QS or solicitor. Builders Trust is not a regulated QS practice and the snaps are not legal advice.
02 What contract frameworks are covered? +
JCT (Joint Contracts Tribunal) — Standard Building Contract, Intermediate Form, Minor Works. NEC (New Engineering Contract) — Option A through F. Plus standard subcontract forms (DOM/1, DOM/2, JCT SBSub, NEC Subcontract). Bond standards: ABI form, ICC form. Statute: Construction Act 1996, LDEDC Act 2009, Late Payment Act, CIS regulations.
03 Why is it free? +
The free tools generate qualified leads for the deeper ATTOH Digital agency tier inside AMAYA Holdings. Operators who run the free snaps and want a full custom build, sector engine, or lead pipeline hire ATTOH Digital. Free is the funnel; the tools themselves are real and stay free. R&D-eligible engineering work — the cost is absorbed at the group level.
04 Do you work for main contractors or subbies? +
Both. The tools are even-handed — CADSnap surfaces what the operator on either side of the payment chain needs to know. We just give the maths. JCT, NEC, the Construction Act, the LDEDC Act — they all cut both ways. The brand is sector-neutral; the operator-list digest covers main-contractor and trade-side reform alike.
05 Is Builders Trust regulated? +
Builders Trust is a sector-tool brand inside AMAYA brand portfolio. We are not a regulated QS practice, a solicitor, or an adjudicator. We supply working calculation tooling — use it alongside your professional advisers, not instead of them. The tools surface the maths and the framework; the formal sign-off is yours.
06 What about retention claims on insolvent main contractors? +
CADSnap handles the calculation. The collection is a separate question — when the main contractor is insolvent, retention often sits with the employer or has been replaced by a bond. The tool surfaces which route is open (employer direct, parent-company guarantee, performance bond, payment bond). The chase is yours; the maths is ours.
07 Can you integrate with our project management software? +
Not currently for the free tier. The free snaps are intentionally browser-only — paste your figures in, get the answer, move on. If you need integrations (Procore, Aconex, Asite, COINS, RedSky, Workbook, ConQuest), that is a custom build on the ATTOH Digital agency tier — see the British Steel Homes reference build.
08 Who owns Builders Trust? +
Builders Trust is owned by Craig Attoh's best friend — a UK industrial / construction-services operator — and operated as a sector brand inside AMAYA brand portfolio. The calculator set was built by the operator because the consultancy version was too slow and too expensive for the day-to-day question. The brand keeps the tools free in exchange for routing deeper agency work to AMAYA.
09 Is the sector intel digest sold? +
No. The operator-list is not sold, traded, or shared outside AMAYA Holdings. One follow-up only if you opt-in to a snap-brief. No newsletter. No sequence. Unsubscribe at any time, one-tap. UK SME audience only — we do not market to procurement departments.
/ STATUTE / WHAT THE TOOLS ARE CALIBRATED AGAINST

UK construction law. Current.

Every snap is calibrated against current UK construction statute, standard contract forms, and recent case law. Updated quarterly. Last calibration window: MMXXVI Q2.

Statute 01

Construction Act 1996

Housing Grants, Construction and Regeneration Act 1996 — the bedrock of payment and adjudication rights in UK construction. Section 110A payment notices. Section 111 pay-less notices. Section 108 adjudication right. Updated by LDEDC 2009.

  • s.110A payment notice
  • s.111 pay-less notice
  • s.108 adjudication right
  • s.109 stage payments
Primary statute · UK-wide
Statute 02

LDEDC Act 2009

Local Democracy, Economic Development and Construction Act 2009 — the 2009 amendment that closed the pay-when-paid loopholes and tightened payment-notice mechanics. Pay-when-certified clauses now unenforceable.

  • Pay-when-paid prohibition
  • Default payment notice
  • Adjudication scope expansion
  • Oral-contract coverage
2009 amendment · in-force
Statute 03

Late Payment Act

Late Payment of Commercial Debts (Interest) Act 1998 — statutory interest on commercial debts. 8% over Bank of England base rate. Reasonable recovery costs. Applies to construction payments alongside the Construction Act.

  • 8% over BoE base rate
  • Reasonable recovery costs
  • Cumulative with contract interest
  • Statutory · not opt-in
Interest + cost recovery
Statute 04

CIS regulations

HMRC Construction Industry Scheme — 20% standard deduction, 30% unregistered, 0% gross payment status. Monthly CIS300 return. Verification flow. Penalty maths for missed returns. Gross-payment thresholds.

  • 20% / 30% / gross status
  • CIS300 monthly return
  • Verification + UTR check
  • Gross payment thresholds
HMRC · UK-only
Statute 05

Scheme for Construction

Scheme for Construction Contracts (England + Wales) Regulations 1998 / Scotland separate regs. Default adjudication regime where the contract is silent. Sets the 28-day adjudication period, fee mechanics, jurisdictional questions.

  • 28-day adjudication period
  • Default adjudicator fees
  • Jurisdiction handling
  • England · Wales · Scotland
Default · contract silent
Statute 06

Retention reform watch

Construction (Retention Deposit Schemes) Bill — proposed retention-in-trust scheme. Building Safety Act 2022 retention implications. Insolvency Act 1986 ranking on retention claims. Live reform watch in the operator-list digest.

  • Retention Deposit Schemes Bill
  • Building Safety Act 2022
  • Insolvency Act 1986 ranking
  • Reform watch in digest
Live · reform watch
Statute 07

Building Safety Act 2022

Post-Grenfell statutory framework. Gateway 2 / Gateway 3 approvals for higher-risk buildings. Mandatory occurrence reporting. Accountable Person duties. Defect liability period extended to 30 years for cladding works. Building Safety Levy implications.

  • Gateway 2 / Gateway 3
  • Accountable Person duties
  • 30-year cladding liability
  • Building Safety Levy
  • Mandatory occurrence reporting
  • Higher-Risk Building (HRB) register
Higher-risk buildings · live
UK construction · trust layer · MMXXVI

The verified-trades layer the construction industry has needed for ten years.

Builders Trust pre-vets sub-contractors against insurance, accreditation, and project history — so main contractors only see crews that already passed the bar. Free snaps for the operator chasing the money down the chain. AMAYA Holdings sector brand.

/ ENGAGE / SNAP BRIEF + OPERATOR LIST

Run the snap. Pay nothing. Drop a line if you want the deeper brief.

The snap drawer is free — open the calculator you need (CADSnap, TradeSnap), paste in your figures, get the maths.

The optional follow-up brief surfaces the supporting case law, the template letter, and the next-step decision tree. Email-gated by your choice. One follow-up only. No newsletter, no sequence, no procurement theatre.

  • One follow-up only · then quiet
  • UK SME operator-list only
  • No sale, no trade, no share
  • UK construction sector · AMAYA Holdings
/ SNAP BRIEF · OPERATOR LIST

Send the brief.

Two or three lines on the snap you ran. We come back with the supporting brief and the template if it helps.

Snap category

One follow-up only · No newsletter · UK SME audience · Operator-list never sold or shared outside AMAYA Holdings.

/ REFERENCE / INSIDE THE AMAYA INFRASTRUCTURE

Inside the AMAYA group infrastructure.

Sector intelligence, live client work, and design references from across the ATTOH Digital flagship — the shared infrastructure behind every brand in the group.