Projects
Planning · Financing & cashflow
How do I plan payments across 18 months?
You've added up the numbers but the cashflow doesn't add up. The contractor wants payments every month, the bank disburses in stages, and you're trying to figure out if you'll run dry around slab three.
Sound familiar?
- Bank disbursal stages don't line up with contractor payment milestones
- Not sure when interiors money is needed vs. structural
- No buffer for the inevitable 10-15% overrun
- Worried about paying GST, registration, and other one-time costs at the wrong moment
How Kolo helps
Month-by-month cashflow map
Lay your construction stages, contractor milestones, and bank disbursals on the same timeline. See where the gaps are.
Payment terms that protect you
Front-loaded payments are how things go wrong. We help you structure milestones tied to actual work done.
Build a real buffer
Plan for the 10-15% that almost always shows up — without rushing decisions or cutting quality at the end.
How we've helped homeowners like you
“The team gave me a clear picture of current market rates for both labour-contract and turnkey, so I could properly evaluate the quote I received — and recommended what to do before deciding.”
“The advisor walked me through reviewing the builder annexure — flagged hidden clauses and missing technical specs like concrete grade, lintel sizing, waterproofing and termite treatment. Exactly what I needed before signing.”
Where to start
Start withBoQ / Quote Audit Report
₹999 · Book