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Construction cash flow,
finally solved.

A $10M contract requires $3–4M in working capital to earn $1.5M in profit. Overbuilt Financing closes the gap — using verified project data, not manual site inspections.

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The cash flow problem in numbers.

$2.6M
Peak negative cash position before first payment on a $10M project
60–90
Days of payment lag on every dollar of completed work
43%
Of contractors cannot cover a single unexpected shortfall
24 mo
Average retention lockup after project completion

We underwrite from data, not inspections.

Traditional lenders send a person to estimate progress. We already have the data.

1

Verified quantities

From AI-read drawings — exact wall counts, floor areas, assembly types — not a manual estimate.

2

Real-time progress

From Overbuilt Field tracking — actual vs. planned per trade, per building, per level.

3

QA-signed records

ITP completion records and daily logs that substantiate every claimed quantity.

Three ways to close the gap.

Material Advance

Fund materials before installation.

Major material purchases — lumber, MEP rough-in, concrete — must be paid before they can be claimed. Overbuilt advances against verified BOQ quantities so you can order without depleting working capital. Repaid when the draw clears.

Secured against verified quantities from your uploaded drawings. No manual inspection required.
Draw Acceleration

Get paid within 48 hours of certified progress.

Standard payment terms mean 30-60 days between doing the work and receiving the cash. Overbuilt advances your certified payment claim immediately. You pay a small fee — far less than the cost of carrying the gap.

Progress verified from Field tracking data. No waiting for owner payment cycles.
Retention Financing

Unlock retention before the defects period expires.

Retention held for 12-24 months after completion is effectively a long-term loan to your owner at 0% interest. Overbuilt buys your retention receivable at a discount so you get cash now — not in two years.

Collected from the owner at defects expiry. Your profit arrives when the job is done.

Stop financing your clients' projects.

Join the waitlist for Overbuilt Financing. Early access firms get founding rates locked for life.

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