Solutions
Construction cash risk across draws, retainage, and float
Runway and health endpoints for construction finance programs tracking draws, retainage, and subcontractor payment timing.
Construction finance is lumpy by nature. Structured cash endpoints help you see when draw schedules and retainage releases still leave working capital tight relative to subcontractor payment cadence.
Project vs sponsor views
Model projects separately, then aggregate at sponsor level for covenant reviews. Keep JSON snapshots for dispute resolution when a GC disputes timing of lien releases versus funded amounts.
Use stable `account_id` values per job so warehouse joins do not collapse unrelated builds into one misleading average.
Retainage, liens, and subcontractor float
Retainage held on your balance sheet still affects liquidity narratives when subs expect payment on accelerated schedules. Pair categorized outflows for labor and materials with runway so committees see when theoretical margin is trapped in timing.
When you ingest partial draws, document which inflows map to owner payments versus internal reclassifications so distress flags stay explainable to borrowers.
Surveillance cadence
Weekly envelopes during active vertical construction catch draw delays early; monthly may suffice for stabilized assets. Store model version with each POST so portfolio reviews compare like-for-like.
Implementation checklist
Validate optional AR/AP blocks against schema examples before production. Test shoulder seasons in the playground when portfolios mix cold-weather and warm-weather geographies.
FAQ
- Should construction envelopes include job-cost detail?
- Only at the granularity your agreements and privacy reviews allow. Prefer summarized categories aligned to draw line items rather than raw subcontractor PII unless counsel approves.