The limits
On a $10,000 approval:
Any single request (deposit, initial, or project charge) — up to 50%, or $5,000.
All requests before the final charge — up to 75% combined, or $7,500.
The final charge — everything remaining, no limit.
You don't need to do the math. When you select a transaction type, the portal shows the exact maximum for that request.
Example: a $10,000 project
Stage | Request | Amount |
Project kickoff | Deposit / Initial Charge | $3,000 |
Materials delivered | Project Charge | $4,500 |
Job complete | Final Charge | $2,500 |
Each request's maximum is whichever is smaller: the 50% single-request limit, or the room left under the 75% cap. In this example, the second request was capped at $4,500 — the room remaining under $7,500 — even though the single-request limit alone would have allowed $5,000.
The final charge — read before you submit
The final charge ends the application at any amount. If you request less than what's remaining, the difference cannot be requested later — submit a final charge for $1,000 when $5,000 remains, and the other $4,000 is gone. A confirmation dialog shows you the exact amount left behind before you commit. Make sure it covers everything owed.
Loans approved before August 19
Loans approved before August 19 aren't affected — you can continue requesting any amount at any stage, as you do today. The limits above apply only to loans approved on or after August 19.
Two more things
Your customer must create their Payment Portal Account before requests can be made. You can send their setup link from the Customer Summary.
All requests must be submitted before the purchase window ends — including the final charge. The date is shown in the Customer Summary, and the portal warns you as it approaches. If your project won't finish in time, contact our team before the window closes.