# RBS Build Works — full text

> RBS Build Works is the construction services group of Radd Payment Solutions (Northampton, MA): drywall and insulation (RBS Services LLC), custom homes (RBS Termonde LLC), custom millwork (RBS Estaires LLC), design-build, inspection, remodeling, roofing, general construction, windows and doors, paving and site work, and commercial architecture through twelve RBS companies.

Contact: info@raddpayments.com, (413) 200-0634, 47 Pleasant Street, Suite BS, Northampton, MA 01060. Hours Monday to Friday, 8:00 AM to 5:00 PM Eastern.

## RBS Build Works
URL: https://rbsbuildworks.com/

A construction services group
Trade contractors, built for the long term.
RBS Build Works is the construction services group of Radd Payment Solutions. RBS Services hangs and finishes drywall and insulates new homes, RBS Termonde builds custom homes in Texas, RBS Estaires makes custom millwork, and nine more trade companies work alongside them.
Our companies
Partner with us
What we do
We build and operate trade and construction businesses and give each one the same back office: billing, receivables and bookkeeping run centrally so crews stay on the job.
Operate
Long-term ownership of trade and construction companies. No flip timeline.
Back office
Invoicing, receivables and bookkeeping handled by one team for every company.
Partner contractors
Independent trade contractors that use our back office while keeping their name and crews.
Customers
Custom-home builders, general contractors, developers and homeowners served by our companies.
Our companies
Drywall and insulation
RBS Services LLC
Drywall hang, tape and finish, and insulation for new homes and additions: blown-in attic insulation, fiberglass batts, spray foam and air sealing. We work for custom-home builders and general contractors, with crews based in central Wisconsin and serving the Upper Midwest.
Drywall · Insulation · Pricing
Custom homes and renovations
RBS Termonde LLC
Custom home building and whole-home renovation across Texas: ground-up custom homes, additions, kitchens, baths and interior rebuilds. Every project is quoted in writing and billed by stage.
Renovation services · Pricing
Custom millwork
RBS Estaires LLC
Custom millwork and structural timber: architectural millwork, cabinetry, mantels, beams and trim, fabricated in Florida and installed for builders, designers and homeowners.
Building services · Pricing
Also in the group: RBS Ancona (design and build, PA), RBS Bourborg (inspection and GC), RBS Construction (remodeling, TX), RBS Exteriors (roofing, OH), RBS Idegem (windows and doors), RBS Kaiya (architecture and interiors, CO), RBS Volant (general construction), RBS Jending (construction, SC) and RBS Eider (paving and site work). If you run a trade business and are thinking about what comes next, start here .
What we do on site
Drywall hang, tape and finish
Board delivered and hung, taped, coated and sanded to the finish level the plans call for. Ceilings, curves and bulkheads included.
Insulation and air sealing
Blown-in attic insulation, fiberglass batts in walls and floors, spray foam at roof decks and rim joists, poly and roof vents.
Custom homes and renovations
Ground-up custom homes, additions, kitchens, baths and interior rebuilds, quoted in writing and billed by stage.
Millwork, roofing, windows and more
Custom millwork and beams, roof replacement, windows and doors, inspection, general construction and commercial design.
All services Pricing
Recent work
New-home framing, ready for insulation and board
Hanging board
Taped and ready for finish
Ceilings and bulkheads
Roof structure set
One invoice, one place to pay
Each company invoices under its own legal name with a secure link to pay by card, ACH or bank transfer. Builders on account get itemized stage invoices and an early-payment discount.
Work is completed
Your superintendent signs off the stage (hang, finish, insulation, or renovation milestone) with photos on file.
Invoice is emailed
The invoice lists labor, materials and any change orders, and references your job name, lot or PO number.
Pay online
Card, ACH debit or bank transfer through the link on the invoice. Your statement shows the company that did the work.
Billing and payment details
Run a trade or construction business?
Talk to us about joining the group or about back-office support for your crew.
Partner with us

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## Our companies
URL: https://rbsbuildworks.com/companies

Our companies
Operating businesses of RBS Build Works. Each runs its own crews, trucks and jobs and shares the group's back office.
Drywall and insulation
RBS Services LLC
Drywall hang, tape and finish; blown-in, batt and spray-foam insulation; air sealing, poly and roof vents. Work is done for custom-home builders, general contractors and remodelers, mostly on new construction and additions.
Customers
Custom-home builders and general contractors; some direct homeowner work
Service area
Central and northern Wisconsin and the Upper Midwest
Billing
Invoices issued by RBS Services LLC; statement descriptor RBS SERVICES LLC
Services Pricing
Custom homes and renovations
RBS Termonde LLC
Custom home building and whole-home renovation across Texas: ground-up custom homes, additions, kitchens and baths, and interior rebuilds, quoted in writing and billed by stage.
Customers
Homeowners, investors, property managers
Service area
State of Texas
Billing
Invoices issued by RBS Termonde LLC; statement descriptor RBS TERMONDE LLC
Services Pricing
Custom millwork
RBS Estaires LLC
Custom millwork and structural timber: architectural millwork, cabinetry, mantels, beams and trim, fabricated in our Florida shop and installed for builders, designers and homeowners.
Customers
Builders, designers and homeowners
Service area
Florida; ships nationwide
Billing
Invoices issued by RBS Estaires LLC; statement descriptor RBS ESTAIRES LLC
Services Pricing
Residential design and build
RBS Ancona LLC
Residential design and building: new homes and major additions taken from design through permits, construction and close-out under one contract.
Customers
Homeowners and lot owners
Service area
Pennsylvania
Billing
Invoices issued by RBS Ancona LLC; statement descriptor RBS ANCONA LLC
Inspection and general contracting
RBS Bourborg LLC
Construction inspection services and general contracting: pre-purchase and phase inspections, punch-list and repair work, and small projects managed end to end.
Customers
Homeowners, buyers, property managers and builders
Service area
Quoted per project
Billing
Invoices issued by RBS Bourborg LLC; statement descriptor RBS BOURBORG LLC
Remodeling
RBS Construction LLC
Residential remodeling: bathrooms, kitchens, waterproofing and interior renovations, quoted in writing and billed by stage.
Customers
Homeowners and property managers
Service area
Texas
Billing
Invoices issued by RBS Construction LLC; statement descriptor RBS CONSTRUCTION LLC
Roofing and exteriors
RBS Exteriors LLC (D1 Exteriors)
Roofing and exterior work: residential and light-commercial roof replacement, repairs, gutters and siding, with manufacturer warranties.
Customers
Homeowners, property managers and insurers
Service area
Ohio
Billing
Invoices issued by RBS Exteriors LLC (D1 Exteriors); statement descriptor RBS EXTERIORS LLC
Windows and doors
RBS Idegem LLC
Sales and installation of replacement windows and entry doors for homes and small commercial buildings, with manufacturer warranties and written quotes.
Customers
Homeowners and property managers
Service area
Quoted per project
Billing
Invoices issued by RBS Idegem LLC; statement descriptor RBS IDEGEM LLC
Architecture and interior design
RBS Kaiya LLC
Commercial architecture and interior design: space planning, design development, construction documents and construction administration for offices, retail and hospitality.
Customers
Tenants, landlords and developers
Service area
Colorado
Billing
Invoices issued by RBS Kaiya LLC; statement descriptor RBS KAIYA LLC
General construction
RBS Volant LLC
General construction for contractors and property owners, quoted per project and billed by invoice on agreed terms.
Customers
General contractors and property owners
Service area
Quoted per project
Billing
Invoices issued by RBS Volant LLC; statement descriptor RBS VOLANT LLC
Industrial and commercial construction
RBS Jending LLC
Construction services for industrial and commercial customers, quoted per project and billed by invoice on agreed terms.
Customers
Manufacturers, industrial plants and commercial owners
Service area
South Carolina
Billing
Invoices issued by RBS Jending LLC; statement descriptor RBS JENDING LLC
Paving and site work
RBS Eider LLC
Paving and site work for general contractors and developers, quoted per project and billed by invoice on agreed terms.
Customers
General contractors, developers and paving contractors
Service area
Quoted per project
Billing
Invoices issued by RBS Eider LLC; statement descriptor RBS EIDER LLC
What every company gets
One back office for all of them: customer accounts, invoicing, receivables, bookkeeping and payroll coordination. Crews keep their name, their customers and their trucks; the paperwork moves to us.
What we are looking for
Established trade contractors with steady builder or property-manager customers: drywall, insulation, paint, finish carpentry, framing, remodeling and general contracting. Owners who want to keep running the crew, and owners who want to step back, are both welcome. How partnership works .

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## Services
URL: https://rbsbuildworks.com/services

Services
What our companies do on site, and how each job is scoped and billed.
Drywall hang, tape and finish
RBS Services LLC. Board is delivered, hung, screwed off and finished to the level the plans call for (Level 4 standard, Level 5 for critical light or dark paint). Ceilings, curved walls, bulkheads and soffits are priced in the same quote.
1/2 in. and 5/8 in. standard, moisture-resistant, fire-rated and sound board
Tape, three coats, sand; corner bead, control joints and access panels
Texture (orange peel, knockdown) or smooth finish
Patch and repair on remodels and additions
Insulation and air sealing
RBS Services LLC. Blown-in attic insulation to the R-value specified (R-50 attics are typical), fiberglass batts in exterior walls and floors (R-21 and R-13), spray foam at roof-deck perimeters, rim joists and foam boxes, plus poly, roof vents and air sealing before board goes up.
Custom homes and renovations
RBS Termonde LLC, across Texas: ground-up custom homes, additions, kitchens and baths, interior rebuilds and finish carpentry. Projects are scoped in a written quote or contract with a stage schedule. RBS Construction LLC handles remodeling, bathrooms and waterproofing in Texas; RBS Ancona LLC designs and builds new homes in Pennsylvania.
Millwork, exteriors and specialty trades
RBS Estaires LLC fabricates custom millwork and structural timber in Florida: architectural millwork, cabinetry, mantels, beams and trim. RBS Exteriors LLC (D1 Exteriors) replaces and repairs roofs in Ohio; RBS Idegem LLC sells and installs windows and doors; RBS Bourborg LLC provides general construction and inspection services; RBS Kaiya LLC provides commercial architecture and interior design in Colorado; RBS Volant LLC provides general construction; RBS Jending LLC provides construction services to industrial and commercial customers in South Carolina; RBS Eider LLC provides paving and site work.
How we price Request a quote
Where we work
Drywall and insulation crews are based in central Wisconsin and travel across the Upper Midwest. Custom homes and remodeling are built across Texas; millwork ships from Florida; roofing in Ohio; design and build in Pennsylvania; construction in South Carolina; architecture in Colorado. All work is performed within the United States.

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## Pricing
URL: https://rbsbuildworks.com/pricing

Pricing
Every job is quoted in writing from the plans or a site visit. These are the typical ranges so you know what to expect. All prices in US dollars, plus applicable sales tax.
Drywall (RBS Services LLC)
Hang, tape and finish
Typically $2.00 to $3.50 per square foot of board for Level 4, material and labor, depending on ceiling height, board type and finish level. Level 5 and texture quoted per job.
Repairs and patches
Minimum service charge plus hourly; quoted after a photo or site visit.
Included
Board delivery and stocking, corner bead, sanding, site cleanup of our debris.
Insulation (RBS Services LLC)
Blown-in attic
Typically $1.50 to $2.50 per square foot to R-50, including vents and poly where specified.
Batts
Typically $1.00 to $2.00 per square foot installed (R-13 to R-21).
Spray foam
Quoted by the board foot; roof-deck perimeters, rim joists and foam boxes most common.
Custom homes and renovations (RBS Termonde LLC, RBS Construction LLC, RBS Ancona LLC)
Kitchens and baths
Quoted from a written scope; most bath renovations run $12,000 to $35,000 and kitchens $25,000 to $80,000 depending on layout changes, cabinetry and finishes.
Make-ready and repairs
Quoted per unit or per scope; volume pricing for property managers.
Millwork, roofing, windows and specialty trades
Custom millwork (RBS Estaires LLC)
Quoted from drawings; deposit at order, balance on delivery or installation.
Roofing (RBS Exteriors LLC)
Quoted per roof; most residential replacements $9,000 to $25,000 depending on size and material.
Windows and doors (RBS Idegem LLC)
Quoted per opening; deposit at order, balance on installation.
Inspection, construction and design
RBS Bourborg and RBS Kaiya quote per project; deposit and stage payments or hourly, stated in writing.
Quotes are valid for 30 days. Builders and property managers may be billed on account (Net 30) with an early-payment discount; homeowners pay a deposit and stage payments. Payment methods and terms are on the billing page ; cancellations and refunds are covered in the deposit, cancellation and refund policy .
Want an exact number?
Send the plans or a few photos, the address and the timeline and we will quote it.
Request a quote

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## Partner with us
URL: https://rbsbuildworks.com/partners

Partner with us
For owners of trade and construction businesses: drywall, insulation, paint, finish carpentry, framing, remodeling and general contracting.
Join the group
We acquire and operate trade and construction businesses for the long term. Owners who want to keep running the crew stay on with the same people and customers; owners who want to step back get a clean transition. Either way the business moves onto the group's back office from day one.
Typical profile: established for five or more years, steady builder, GC or property-manager customers, annual revenue from $500k up.
Use our back office
Keep your name, your crews and your customers. Our team prepares your invoices, follows up on receivables, keeps customer accounts current and reconciles the books, so the paperwork stops landing on you after a day on site.
Available to established contractors we work with directly. Not a public service; every partner is onboarded personally.
What the back office covers
Invoicing
Stage invoices with job name, lot or PO numbers and photos, sent the day the stage is signed off.
Receivables
Reminders, statements and follow-up on overdue accounts, on a schedule you approve.
Customer accounts
One record per builder or owner with job history and statements, so nothing is billed twice or missed.
Books and payroll
Monthly bookkeeping and payroll coordination through our parent company, Radd Payment Solutions.
Start a conversation
Tell us about the business: what you do, where you work, and how many crews or trucks. We reply within two business days.
Contact us

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## Billing and payments
URL: https://rbsbuildworks.com/billing

Billing and payments
Each company invoices under its own legal name. One consistent invoice, one secure place to pay.
Paying an invoice
Invoices are emailed from the company that did the work (RBS Services LLC, RBS Termonde LLC or RBS Estaires LLC) and include a secure online payment link. Open the link to pay by:
Credit or debit card (Visa, Mastercard, American Express, Discover)
ACH bank debit
Bank transfer (ACH credit or wire) to the account details shown on the invoice
Check, payable to the company named on the invoice, mailed to 47 Pleasant Street, Suite BS, Northampton, MA 01060
The payment page is hosted by Stripe (invoice.stripe.com). Your card or bank statement will show RBS SERVICES LLC , RBS TERMONDE LLC or RBS ESTAIRES LLC . Receipts are emailed automatically. All amounts are in US dollars.
If you did not receive an invoice or the link has expired, email info@raddpayments.com with the invoice number and we will resend it.
Security
Online payments are processed by Stripe on a Stripe-hosted payment page over an encrypted (TLS) connection. Card and bank details go directly to Stripe, a PCI DSS Level 1 certified provider; we never see or store full card numbers. This website is served only over HTTPS.
Payment terms
Builders and property managers
Net 30 on approved account with PO or job reference; early-payment discount as stated on the invoice.
Homeowners and renovation clients
Deposit at signing, stage payments as work completes, balance at completion.
Building contracts
Deposit, scheduled draws, balance at substantial completion per the contract.
Change orders
Priced in writing and approved before the work is done.
Sales tax
Charged where required by the job state.
Currency
United States dollars (USD).
Late payment
1.5% per month on balances more than 30 days past due, or the maximum allowed by law.
Scheduling and delivery
Drywall and insulation
Scheduled to the builder's calendar; board stocked one to two days ahead; typical house hung and finished in two to three weeks.
Renovations
Start date and stage schedule in the quote; most baths two to four weeks, kitchens four to eight.
Building
Schedule in the contract with milestone dates.
Where we work
Upper Midwest (drywall and insulation), Texas (renovations); see services .
Questions about a charge
If an amount on your invoice or statement does not look right, contact us before disputing it with your bank. Most questions are resolved the same day with the signed stage sheet and photos for the job.
(413) 200-0634 info@raddpayments.com Monday to Friday, 8:00 AM to 5:00 PM Eastern
Deposits, cancellations and refunds
Deposits are refundable less materials ordered and work scheduled if you cancel before the start date; stage payments cover work completed. Full details are in our deposit, cancellation and refund policy .

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## About
URL: https://rbsbuildworks.com/about

About RBS Build Works
A construction services group with one back office.
Who we are
RBS Build Works is the construction services group of Radd Payment Solutions, LLC , a Massachusetts company that runs billing, receivables, bookkeeping and payroll for operating businesses. RBS Build Works is where that capability is applied to trade and construction companies we operate or partner with.
RBS Services LLC hangs and finishes drywall and insulates new homes for builders in the Upper Midwest. RBS Termonde LLC builds custom homes and renovates across Texas. RBS Estaires LLC fabricates custom millwork in Florida. Alongside them: RBS Ancona (design and build, Pennsylvania), RBS Bourborg (inspection and general contracting), RBS Construction (remodeling, Texas), RBS Exteriors (roofing, Ohio), RBS Idegem (windows and doors), RBS Kaiya (commercial architecture and interiors, Colorado), RBS Volant (general construction), RBS Jending (construction, South Carolina) and RBS Eider (paving and site work).
How the group works
Each company runs its own crews, trucks and jobs. What they share is the back office: scheduling, invoicing, customer accounts and receivables run centrally, so a builder working with two of our companies gets one point of contact and one consistent invoice format. The same team provides receivables management to a small number of partner contractors who keep their own name and crews. It is a back-office service for established trade businesses we work with directly, not a public offering.
Where we are
Our administrative office is at 47 Pleasant Street, Suite BS, Northampton, MA 01060. Crews are based where the work is: Wisconsin, Texas, Florida, Pennsylvania, Ohio, South Carolina and Colorado.
Group
RBS Build Works
Companies
RBS Services LLC; RBS Termonde LLC; RBS Estaires LLC; RBS Ancona LLC; RBS Bourborg LLC; RBS Construction LLC; RBS Exteriors LLC; RBS Idegem LLC; RBS Kaiya LLC; RBS Volant LLC; RBS Jending LLC; RBS Eider LLC
Parent
Radd Payment Solutions, LLC
Phone
(413) 200-0634
Email
info@raddpayments.com
Hours
Monday to Friday, 8:00 AM to 5:00 PM Eastern

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## Contact
URL: https://rbsbuildworks.com/contact

Contact
Quotes, scheduling, billing questions and partnership conversations all start here.
Call or email
Phone
(413) 200-0634
Email
info@raddpayments.com
Hours
Monday to Friday, 8:00 AM to 5:00 PM Eastern
Office
RBS Build Works 47 Pleasant Street, Suite BS, Northampton, MA 01060
For invoice and payment questions, see billing and payments .
Send a message
Name
Company (optional)
Phone
Email
What is this about? Drywall quote Insulation quote Renovation quote (Texas) Building or general contracting Scheduling a job Billing question Partnering with RBS Build Works
Details Include a job address, invoice number or plan set reference if you have one.
Send message
Sending opens a pre-filled email to info@raddpayments.com in your mail app.

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## Terms of service
URL: https://rbsbuildworks.com/terms

Terms of service
RBS Services LLC, RBS Termonde LLC and RBS Estaires LLC. Effective August 22, 2026
These terms apply to work performed and materials supplied by the RBS Build Works companies, RBS Services LLC, RBS Termonde LLC and RBS Estaires LLC (each "we", "us"), 47 Pleasant Street, Suite BS, Northampton, MA 01060. Each job is performed and invoiced by one company, named on the quote and the invoice. Building contracts issued by RBS Estaires LLC contain their own terms; where they differ, the signed contract controls.
Quotes and scope
Quotes are written from plans, a site visit or photos and are valid for 30 days. They state the scope, the price in US dollars, what is excluded, and the schedule. Work outside the scope is priced as a written change order and approved by you before it is done.
Site conditions
You agree to provide access, power, and a site ready for our stage (framing inspected and mechanicals complete before insulation; insulation inspected before board). Time lost to an unready site, or to clearing other trades' debris, is billed as labor at the quoted rate.
Payment
Builders and property managers on approved account: Net 30 from invoice date, with any early-payment discount stated on the invoice. Homeowners and renovation clients: deposit at signing, stage payments as work completes, balance at completion. Building contracts: deposit, draws and balance per the contract. Accepted methods: card, ACH debit, bank transfer and check. Balances more than 30 days past due accrue 1.5% per month or the maximum allowed by law, and we may pause scheduled work until the account is current. Charges appear on statements as RBS SERVICES LLC, RBS TERMONDE LLC or RBS ESTAIRES LLC.
Warranty
Workmanship is warranted for one year from completion of the stage against defects in installation (including nail pops and cracked joints caused by our work). Materials carry their manufacturers' warranties. Excluded: damage by other trades, structural movement, moisture intrusion not caused by us, and normal settling.
Liability
To the extent permitted by law, our liability for any claim arising from a job is limited to the amount paid for that job. We carry general liability and workers' compensation insurance; certificates are available on request.
Cancellations, refunds and disputes
See our deposit, cancellation and refund policy . Please contact us at info@raddpayments.com or (413) 200-0634 before raising a dispute with your card issuer or bank; we respond within one business day.
Territory and governing law
We work within the United States. These terms are governed by the laws of the Commonwealth of Massachusetts, except that lien and construction-contract provisions follow the law of the state where the work is performed.

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## Deposit, cancellation and refund policy
URL: https://rbsbuildworks.com/refund-policy

Deposit, cancellation and refund policy
RBS Services LLC, RBS Termonde LLC and RBS Estaires LLC. Effective August 22, 2026
Before work starts
You may cancel a scheduled job at no charge up to five business days before the start date. Cancellations with less notice are charged for materials already ordered or delivered to the site (less what can be returned) and one day of crew time. Deposits are refunded less those costs.
After work starts
Stage payments cover work completed and materials installed; they are not refundable. If you stop a job in progress, we invoice the completed portion and any non-returnable materials, and refund any deposit balance above that.
Workmanship
If a stage has a defect in our workmanship, we return and correct it under warranty at no charge for labor. Refunds are not issued in place of warranty work unless we are unable to correct the defect.
Refund timing
Approved refunds are issued to the original payment method within 10 business days. Card refunds typically appear within 5 to 10 business days depending on the issuing bank; bank transfers are returned to the originating account.
Billing questions and disputes
Contact us before filing a dispute with your bank: info@raddpayments.com or (413) 200-0634, Monday to Friday, 8:00 AM to 5:00 PM Eastern. We will send the signed stage sheet and photos for the invoice in question within one business day.

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## Privacy policy
URL: https://rbsbuildworks.com/privacy

Privacy policy
RBS Build Works companies. Effective August 22, 2026
What we collect
When you request a quote, schedule work or receive an invoice we collect contact details (name, company, phone, email, job site and billing address), plans or photos of the job, and the payment information needed to process your payment.
How we use it
To quote, schedule and perform work, issue invoices, process payments, respond to questions and meet tax, lien and record-keeping obligations. We do not sell customer information and we do not send marketing email without consent.
Payments
Online payments are processed by Stripe. Card and bank details entered on the payment page go directly to Stripe and are not stored on our systems. Stripe's privacy policy is at stripe.com/privacy.
Sharing
We share information only with service providers that help us operate (payment processing, email, accounting, material suppliers for delivery), with our parent company Radd Payment Solutions, LLC for billing and bookkeeping, and as required by law. Our companies share customer records with each other to deliver and bill work.
Cookies and analytics
This website sets no tracking cookies and runs no third-party analytics or advertising scripts.
Retention and access
Records are kept for the warranty period and as required for tax and lien purposes. To review or correct your information, email info@raddpayments.com .
Contact
RBS Build Works, 47 Pleasant Street, Suite BS, Northampton, MA 01060. (413) 200-0634.

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## Insights
URL: https://rbsbuildworks.com/insights

Insights
Practical notes on how our companies quote, build and bill: drywall pricing, insulation specs, draw schedules.
How drywall is priced: square footage, finish levels and what is included
How drywall contractors quote hang, tape and finish work per square foot of board, what the finish levels mean, and what moves the number up or down.
2026-08-22
Insulation for new homes: what R-50 attics and R-21 walls actually mean
A builder's guide to specifying insulation: R-values, blown-in versus batts versus spray foam, air sealing, and what the inspector looks for.
2026-08-22
Deposits, draws and change orders: how a custom home is paid for
How payments are structured on a custom home or major renovation contract: deposit, stage draws, change orders, lien waivers and the final balance.
2026-08-22

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## How drywall is priced: square footage, finish levels and what is included
URL: https://rbsbuildworks.com/insights/how-drywall-is-priced-per-square-foot-and-finish-levels

Insights
How drywall is priced: square footage, finish levels and what is included
How drywall contractors quote hang, tape and finish work per square foot of board, what the finish levels mean, and what moves the number up or down.
Almost every drywall quote comes down to a price per square foot of board, hung and finished, plus a few line items for the things that are not board. Here is how RBS Services builds a number so a builder can compare quotes fairly.
The base number
For a typical new home with 8- or 9-foot ceilings, 1/2-inch board, and a Level 4 finish, hang, tape and finish runs in the range of $2.00 to $3.50 per square foot of board, material and labor. That covers delivery and stocking, hanging and screwing off, corner bead, tape, three coats of compound, sanding, and cleanup of our debris.
Finish levels, briefly
Level 4 is the standard for painted walls and ceilings: taped, three coats, sanded smooth.
Level 5 adds a skim coat over the whole surface. Specify it for critical lighting (long walls washed by windows or sconces), dark or glossy paint, and high-end work. It adds a coat of compound and another day of sanding, so it is priced higher.
Texture (orange peel, knockdown) is quoted separately and is common in some regions and rare in others.
What moves the price
Ceiling height and access. Vaulted ceilings, stairwells and two-story foyers need stilts, scaffold or lifts, and slow the crew down.
Board type. 5/8-inch fire-rated, moisture-resistant (green or purple) board in baths, and sound board cost more per sheet.
Curves and details. Arches, radius walls, bulkheads, soffits and niches are hand work.
Site readiness. Insulation inspected, mechanicals complete, a clear floor and power on site. A crew that arrives to an unready house bills the lost time as labor.
Repairs and remodels. Patch work is priced on a minimum service charge plus hourly, because matching existing texture and finish is slower than new work.
How it is billed
Builders on account are invoiced by stage (hang complete, finish complete) on Net 30 terms with an early-payment discount stated on the invoice. Homeowners pay a deposit and stage payments. Invoices come from RBS Services LLC with a secure link to pay by card, ACH or bank transfer; see billing and payments . Want a number for your plans? Send them over .
Published 2026-08-22 by RBS Build Works, an operating group of Radd Payment Solutions. More insights

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## Insulation for new homes: what R-50 attics and R-21 walls actually mean
URL: https://rbsbuildworks.com/insights/insulation-r-values-for-new-homes-r-50-attics-r-21-walls

Insights
Insulation for new homes: what R-50 attics and R-21 walls actually mean
A builder's guide to specifying insulation: R-values, blown-in versus batts versus spray foam, air sealing, and what the inspector looks for.
R-value measures resistance to heat flow; higher is better, and the code minimum depends on your climate zone. In the Upper Midwest, R-50 attics and R-21 exterior walls are common targets for new homes. Here is how those numbers get built in practice.
Attics: blown-in
Blown-in fiberglass or cellulose is the standard way to reach R-50 in a flat attic. The installer sets depth markers, blows to the depth the product needs for R-50, and installs baffles at the eaves so the soffit vents stay open. Attic hatches get insulated and weather-stripped. Poly or a vapor retarder goes on the warm side where the spec calls for it.
Walls and floors: batts
Fiberglass batts sized to the stud bay (R-21 for 2x6 walls, R-13 for 2x4) are cut and fitted so they fill the cavity without compression or gaps; split around wiring, not stuffed behind it. Rim joists and floors over unheated space get batts or foam to the specified R-value.
Spray foam: where it earns its cost
Closed-cell spray foam is worth the money where air sealing and insulation need to happen in one step: roof-deck perimeters, rim joists, bonus-room knee walls, and foam boxes around penetrations. Whole-house foam is a bigger-budget choice; most builders use it selectively.
Air sealing comes first
Insulation slows heat flow; air sealing stops the air that carries it. Top plates, penetrations, can lights and the attic hatch get sealed before the attic is blown. A blower-door test will find what was missed.
What the inspector checks
Batts in place before board, depth markers and baffles in the attic, vapor retarder where required, and the insulation certificate posted near the panel. We schedule the insulation inspection and come back to blow the attic after drywall where the job calls for it.
Typical pricing
Blown-in attic insulation to R-50 typically runs $1.50 to $2.50 per square foot; batts $1.00 to $2.00 per square foot installed; spray foam is quoted by the board foot. Every job is quoted from the plans; see pricing or request a quote .
Published 2026-08-22 by RBS Build Works, an operating group of Radd Payment Solutions. More insights

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## Deposits, draws and change orders: how a custom home is paid for
URL: https://rbsbuildworks.com/insights/deposits-and-draw-schedules-on-a-custom-home

Insights
Deposits, draws and change orders: how a custom home is paid for
How payments are structured on a custom home or major renovation contract: deposit, stage draws, change orders, lien waivers and the final balance.
A custom home or whole-home renovation is paid for in pieces as the work is completed. The schedule protects both sides: the builder is funded for materials and crews, and the owner pays for work that exists. Here is the structure RBS Termonde LLC and our other building companies use.
Fixed price or cost-plus
A fixed-price contract states one number from a complete plan set and specification. A cost-plus contract bills actual costs plus an agreed fee and suits projects where the design is still moving. Either way, the contract spells out the payment schedule, the estimated timeline and what is excluded (for example site work, landscaping or appliances).
The typical schedule
Deposit at contract to secure the start date and fund permits, engineering and early materials.
Draws at defined stages , for example: foundation complete; framing and roof dried in; mechanical rough-ins and insulation; drywall and exterior finish; cabinets, trim and flooring.
Balance at substantial completion , when the home is usable for its intended purpose, with a punch list and a small holdback released when it is done.
Each draw is invoiced against a stage sign-off with photos; lenders often require an inspection before releasing construction-loan draws, and we schedule around that.
Change orders
Anything that changes scope or price after signing is priced in writing and approved by the owner before the work is done. Change orders are billed with the next draw. This is the single biggest source of disputes on residential projects; a written change order avoids almost all of them.
Lien waivers and paperwork
With each draw you receive a lien waiver for the amount paid, and on request the waivers from major subcontractors and suppliers. Keep them with your closing documents.
Paying
Draws are invoiced by the building company (for example RBS Termonde LLC) with a secure link to pay by bank transfer, ACH or card. Terms, late-payment interest and the cancellation policy are on the billing page and in the contract. Planning a build? Start the conversation .
Published 2026-08-22 by RBS Build Works, an operating group of Radd Payment Solutions. More insights