UK construction · operator-onlyJCT + NEC contract frameworksAMAYA 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.
£0Cost to run a snap · always2Live snap-tools · CADSnap + TradeSnapJCT + NECUK contract frameworks covered48hOperator enquiry response · personally
Retention release·Payment notices·Adjudication maths·Bond logistics·CIS deductions·JCT / NEC frameworks·Retention release·Payment notices·Adjudication maths·Bond logistics·CIS deductions·JCT / NEC frameworks·
/ 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.
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.
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.
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.
Sector Operator · Owner
"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.
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.
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 DirectorUK 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 DirectorUK 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.
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.
QSUK 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.
01Are 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.
02What 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.
03Why 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.
04Do 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.
05Is 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.
06What 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.
07Can 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.
08Who 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.
09Is 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.
Sector intelligence, live client work, and design references from across the ATTOH Digital flagship — the shared infrastructure behind every brand in the group.