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Get Paid Faster with Mechanics Liens
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At The Credit App, we help small business owners secure payments, reduce defaults, and protect their cash flow through streamlined mechanic's lien solutions. Here’s how understanding and using mechanic's liens can transform your business—and why partnering with us saves time, money, and stress.
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What Is a Mechanic's Lien? How It Helps Businesses Get Paid
A mechanic's lien is a legal tool that gives contractors, suppliers, and other construction-related businesses a security interest in a property they’ve improved. If a client doesn’t pay, the lien ensures you can recover owed funds by forcing a sale of the property or settling the debt.
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Why It Works:
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Encourages Prompt Payment: Property owners and general contractors often prioritize resolving liens quickly to avoid legal complications or project delays.
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Reduces Defaults: A lien claim signals you’re serious about collecting payment, deterring non-payment.
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Real-World Impact:
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63% of construction businesses face non-payment issues annually (National Conference of State Legislatures, 2022).
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Small businesses report that 18% of their invoices go unpaid for 60+ days (National Small Business Association, 2023).
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In Florida, contractors who filed liens recovered payments 85% of the time vs. 45% for those who didn’t (Florida Construction Law Study, 2021).
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The Process & Timeline of Filing a Mechanics Lien
​While laws vary by state, the general steps include:
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Send Preliminary Notices: Many states require notifying the property owner or general contractor of your intent to file a lien if unpaid (often within 30 days of starting work).
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File the Lien: If unpaid, submit the lien to the county clerk’s office within 60–120 days of your last work or materials delivery.
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Enforce the Lien: If unresolved, you may need to sue to enforce the lien within 6–12 months.
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Legal Requirements:
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Accurate details (property description, amount owed, parties involved).
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Strict adherence to deadlines (missing them invalidates your claim).
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State-specific forms and notarization.
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Penalties for Errors: Incorrect filings can lead to fines or liability for wrongful liens.
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How The Credit App Saves Time, Money, and Reduces Risk
​Manually managing liens requires hours of research, legal fees, and navigating complex regulations. The Credit App automates the process for just $250 per lien, offering:
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Automated Notices & Filings: We generate state-specific preliminary notices and lien documents.
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We send notices via email, text, first-class letter, and certified letter.
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If the debtor does not pay within the statutory limit or 30 days, then we record the lien at your county clerk's office and then, email you the stamped and recorded lien that is now on their home title.
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After the debtor pays then we remove the lien for no additional cost.
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Cost Comparison:
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DIY: (legal consultations, filing fees, and hours of labor).
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The Credit App: Flat $250 fee, including notices, document prep, notary, filing fees, and compliance checks.
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Example: A Texas roofing contractor saved 12 hours/month and $900 in legal fees using The Credit App- recovering $13,478 in unpaid invoices within 30 days of filing.
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Protect Your Business Today
​Don’t let payment delays strain your cash flow or morale. For $250, The Credit App handles the complexity of mechanic's liens so you can focus on growing your business.
Get started in minutes- because getting paid shouldn’t be a battle.
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Sources:
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National Conference of State Legislatures (2022)
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National Small Business Association (2023)
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Florida Bar Construction Law Committee (2021)
