Fintra for Construction

Build the job.
Know the money.

Fintra runs the money, trust, and people side of your business. Connect it to Procore, Sage 300 CRE, or Foundation for project and field data - or let Fintra run construction accounting itself. Built around the two things contractors bleed cash on: billing the work you’ve earned and surviving the gap until you’re paid.

Integrate your PM software - or replace accounting GCs, subs & specialty trades Certified-payroll ready
Fintra · Progress Billing● live
Riverside Medical - Pay App 7G702
SOV 62% complete · retainage $84k held
$412,000 sent
Depot Expansion - CO #4change
not in owner-approved budget → held
$38,500 CO review
Northgate - retainage releaselien
unconditional waiver missing → gated
$61,200 lien waiver
Midtown TI - Pay App 3G702
approved · funded via advance
$96,400 paid
$146k retainage tracked · 1 CO held · 1 waiver pendingevery release sealed
The problem

You know the job. You don’t know the money on it until it’s too late.

Job cost is always late

Committed costs, change orders, and labor land in the books weeks after the field spends them - so you find out a job is underwater at closeout, not while you can still fix it.

Retainage sits unbilled

5–10% of every pay app is held back, and progress billing is rebuilt by hand in AIA G702/G703 forms - the money you earned aging on a schedule of values nobody wants to reconcile.

Cash dies in the gap

You pay the crew and the suppliers this week; the owner pays the pay app in 60–90 days. That float is where good contractors run out of cash on a growing backlog.

How it fits

Keep your project software, or run accounting on Fintra.

Schedule, RFIs, daily logs, commitments, and change orders stay in the project tool your PMs live in - Fintra reads them through a connector and owns job costing, billing, payroll, and the back office. Or, if your accounting system is the bottleneck, Fintra can run it end to end.

Your project software

Procore · Sage 300 CRE · Foundation

  • Schedule, RFIs & daily logs
  • Commitments & change orders
  • Field production & percent complete
Project connectordesign-partner
Fintra owns the back office

Money · Trust · People + the two construction modules

Job costing & WIPAIA progress billingRetainage trackingCertified payrollDraw & material financingGovernance & evidence
Don't want to keep Procore? Fintra can run the general ledger, AP, subcontractor management, and job costing itself - so a contractor tired of duct-taping QuickBooks to spreadsheets can consolidate onto one platform.
The two modules that matter

Bill what you’ve earned. Survive the gap until you’re paid.

Every contractor has a bookkeeper and a payroll somewhere. Progress billing and cash-flow are where the money is actually won or lost - so Fintra builds them in.

Progress Billing & Retainage
the money you already earned

AIA G702/G703 pay applications generated from the schedule of values and percent-complete, retainage tracked to the dollar across every job, change orders folded in, and lien-waiver status on every payment - so nothing you earned goes unbilled.

  • AIA G702/G703 pay apps from the SOV
  • Retainage tracked & released by job
  • Change orders reflected in billing
  • Conditional / unconditional lien-waiver tracking
Draw & Material Financing
don’t float the job for 90 days

Get funded on an approved pay application instead of waiting on the owner, or finance a material buy for the next phase - a decision on the receivable, funded upfront, repaid when the owner pays. The cash-flow gap that kills growing contractors, closed.

  • Advance on approved pay applications
  • Material financing for the next phase
  • Repaid when the owner pays
  • Every advance SentriAI-guarded & sealed
One platform · three engines

The Fintra platform, tuned for construction.

The same Money · Trust · People engines that run any modern business - with the construction specifics built in.

Money · Construction Finance

Every job’s true cost, in real time - not at closeout.

Job costing and WIP, committed-cost and change-order tracking, AP and bill pay - with the contractor pain solved: certified payroll with prevailing-wage and fringe rules computed from connected field hours, and job cost that updates while you can still act on it.

  • Job costing & real-time WIP
  • Certified / prevailing-wage payroll
  • Committed cost & change-order tracking
  • AP & guarded bill pay
Explore practice finance
Fintra · Certified Payrollfrom field hours
M. Delgado
foreman · Riverside · Davis-Bacon
40 hrs$3,120 allow
T. Boyd
operator · Depot · +4 OT
44 hrs$2,860 allow
R. Silva
laborer · Riverside · prevailing wage
40 hrsfringe short hold
Certified payroll computed from connected field hours - prevailing-wage & fringe checked, every pay-run release sealed as evidence.
Trust · SentriAI Governance

Every draw, change order, and retainage release - decided and sealed.

The places money leaks on a job - unapproved change orders, duplicate sub invoices, retainage released without a lien waiver, expired COIs - each get a verdict grounded in your real books and contracts, and each becomes hash-chained, recomputable evidence. Governance is decide-and-prove; enforcement is staged.

  • Change-order & duplicate-invoice checks
  • Retainage release gated on lien waivers
  • Subcontractor COI & compliance tracking
  • One trust score across people & AI agents
Explore Trust
Fintra · Progress Billing● live
Riverside Medical - Pay App 7G702
SOV 62% complete · retainage $84k held
$412,000 sent
Depot Expansion - CO #4change
not in owner-approved budget → held
$38,500 CO review
Northgate - retainage releaselien
unconditional waiver missing → gated
$61,200 lien waiver
Midtown TI - Pay App 3G702
approved · funded via advance
$96,400 paid
$146k retainage tracked · 1 CO held · 1 waiver pendingevery release sealed
People · AI Workforce

Crews, subs, and AI agents on one org chart.

Finding skilled trades is the constraint on every backlog. The Workforce Graph puts every crew member, subcontractor, and AI teammate on one chart - priced against the same job P&L - with an AI recruiter and interviewer that are advisory, and a named human who always approves.

  • Recruit skilled trades faster
  • Labor cost & productivity by job
  • Subcontractor onboarding & compliance
  • Humans + AI agents, trust-scored
Explore People
Fintra · Pay-App Advanceon approved receivables
Approved pay application
$96,400 · Midtown TI #3
advanced
net-60
owner terms
90% advance
repaid on owner pay
$86,760
funded today
No 90-day float · advance on approved pay apps · SentriAI-guarded, every advance sealed
Security & compliance

Governed, evidenced, and audit-ready.

Powered by SentriAI. Every dollar-moving action on the job is decided against your real books and contracts, scored, and sealed as evidence you can hand an auditor, an owner, or a DOL reviewer - not a compliance binder you rebuild at closeout.

Frameworks & controls, mapped once

OSHA, prevailing-wage and certified-payroll rules (Davis-Bacon), lien and contract controls, and SOC 2 - 76 frameworks and 275 controls mapped a single time, so one governed action satisfies many at once. Adding a framework points at the same evidence instead of starting the mapping over.

Policies & attestations

Versioned policies with full change history, plus crew and subcontractor training and certification tracking - who acknowledged which safety policy, whose OSHA or trade cert is expiring, and when. The attestation trail is part of the same evidence graph, not a separate binder.

AI Action Governance

Every change order, retainage release, draw advance, duplicate sub invoice, or access change gets a verdict and an Action Trust Score before it lands. SentriAI decides, records, and can gate the action; broader automatic enforcement across every workflow is staged, so today it always decides and proves - and gates where it is wired in.

Recomputable agentic evidence

Each governed action is hash-chained and mapped to the real controls it satisfies, so verify_chain() re-derives the whole chain from your data - tamper-evident and reproducible. Scoring is deterministic and explainable, never a black box; the source-system connectors remain design-partner.

Grow

Win the work. Pay the people who win it.

Security keeps the money you already earned; growth brings in more of it. Fintra runs the bid pipeline, past-client reactivation, references, and sales commissions on the same books and the same governance - so a bid becomes a booked, collected job without leaving the platform.

Bid pipeline & reactivation

Track the estimate pipeline and reactivate past owners and GCs off your real job history - targeted by who you have delivered for and what the next job is worth, not a cold blast to a list.

Referrals & references

Track where new work comes from - owner and GC referrals, repeat clients, and post-project references - attributed to the contracts and collections they produced, so you invest in the relationships that actually fill the backlog.

Sales & PM commissions, guarded

Estimator, PM, and business-development commissions computed from booked and collected revenue, with clawbacks on unpaid or underwater jobs and reversed collections - every run scored and sealed as evidence like any other pay run.

Bid to contract to collected

A lead becomes a quote, a signed contract, and progress-billed, funded, reconciled cash in one flow - one system from first walkthrough to the sealed dollar, with no hand-off to a separate CRM.

Where we are, honestly

The Money · Trust · People engines are the shipped Fintra platform. The project-software connectors (Procore, Sage 300 CRE, Foundation) and the receivables-financing provider are a pluggable provider seam - live for design partners and on the near-term roadmap, not a one-click integration for every contractor yet. We will always tell you what is production-ready versus what we are building with you. In demos, no real money moves.

See Fintra run your jobs' money.

Bring one job or your whole backlog. We'll show job costing, AIA billing, retainage, certified payroll, and the evidence trail on your projects.