AI construction finance, from budget to paid invoice.
Margin you can see coming.
Fina is the AI finance and budget agent for contractors. She turns the estimate into a budget by cost code, tracks change orders and margin as invoices, deliveries and hours come in, drafts AIA G702 and G703 pay applications, matches supplier invoices three ways, collects lien waivers and forecasts cash 12 months out. Your controller approves.
Fina · founding cohortOnboarding on one of your live jobs
Pay application 6AIA G702 · period ending Oct 31Ready- Original contract$4,820,000
- Change orders, net+$18,400
- Completed to date$2,126,800
- Retainage, 10%−$212,680
- Due this period$154,570
Cash, next 12 monthsLowest month +$312K in April
Sample data · Fina drafts, your team approves
Fina at work · sample data
What does Fina do with
a month of job cost?
Four steps, from the estimate to the cash forecast. Fina drafts; your team approves. Scroll, and watch it happen.
FinaJob 2417 · Cost and billingSynced with accountingCost codes budget vs actual
- 03 30 00Concrete$224,700+6.0%
- 06 10 00Framing$139,200−5.9%
- 07 50 00Roofing$151,80055% spent
- 09 29 00Drywall$72,40039% spent
- 08 10 00Doors and frames$9,10010% spent
- 12Roofing$277,30030%25%$69,325Hold $852
- 13Drywall$186,5000%40%$74,600Hold $852
- 14Doors and hardware$94,2000%10%$9,420Hold $852
- 15Concrete$212,000100%0%$0Hold $852
- 16Change order 2$18,4000%100%$18,400Hold $852
Needs review3
01 / 04Baseline
The estimate becomes the budget, and every cost and labor hour is tracked against it.
02 / 04Bill
Invoices are captured and matched, then the pay application is drafted against the schedule of values.
03 / 04Check
Over-budget lines and unmatched invoices are flagged before the pay app goes out.
04 / 04Forecast
Receivables, payables and open orders roll into a three, six and twelve month cash forecast.
Sample data. Fina prepares and checks, people on your team approve.
*Illustrative
17 capabilities
What can Fina do for
construction finance and budget?
Everything Fina covers on the job, in one list. Each one is a first pass your team reviews and approves.
See all features by agent →- 01Budgets by cost code
The estimate becomes the budget, tracked by cost code and phase.
- 02Job margin in real time
Revenue, costs and gross margin per job, updated as invoices, deliveries and hours come in.
- 03Labor and equipment costs
Hours worked and equipment used, costed to the job automatically.
- 04Change order lifecycle
Create, price and track change orders, import sub change orders and roll them into the contract.
- 05Pay applications and progress billing
AIA G702 and G703 pay applications drafted from progress, with retainage and stored materials.
- 06Subcontractor billing and lien waivers
Sub pay applications, retainage and lien waivers tracked before payment.
- 07Goods received to the job
Received materials post to the job cost automatically, with no manual tagging.
- 08Three-way invoice match
Supplier invoices are checked against the order and what actually arrived before they are paid.
- 09Accounts payable and receivable
Invoices to pay, overdue and to issue, in one view with due dates.
- 10Bank reconciliation
Import bank statements and card activity, matched to invoices and payments automatically.
- 11Cash flow forecast
Balance today and a three, six and twelve month forecast from receivables, payables and open orders.
- 12Collections and due-date alerts
Reminders before payments are due and when owner payments are late.
- 13Spend analysis
See where the money goes by supplier, material category and job.
- 14Quotes and price books
Quotes from a bill of quantities or a description, priced from your own price book and margins.
- 15Approval rules
Set rules once: minimum margin per item, dual sign-off above a threshold, variance alerts.
- 16Accounting sync
Jobs, vendors, invoices and bills stay in sync with QuickBooks Online, QuickBooks Desktop, Sage 300 CRE and Sage Intacct.
- 17Cost and change risk alerts
See where cost and change pressure is building before month-end.
Follow the money
Where does a number on the
pay application come from?
Every amount Fina drafts opens into what it is built from: progress from the field, materials that actually arrived and the contract terms. Your project manager approves the percentage.
FinaPay application 6 · Line 13This period$74,60040% of $186,500, previous 0%
- Work in place, 40%Lex daily reports Oct 27 to Oct 31, levels 1 and 2 hung$74,600
- Stored materials held backDario: 60 sheets on DN-5531 not received, held on INV-2207$0
- Less retainage, 10%Per the contract, AIA A101 section 5.1.7−$7,460
Due for line 13$67,140
Activity
- FFina drafted the lineFrom 5 daily reports · Oct 31, 6:10 PM
- MDario flagged a short deliveryINV-2207 line held · Nov 1, 8:02 AM
- PMM. Ortiz approved 40%Project manager · Nov 1, 9:30 AM
Who picks up
Fina’s work?
What Fina records moves on to the next agent with its source attached, so nobody types the same thing twice.
DarioProcurement and logisticsSends matched deliveries.
Supplier invoices are checked against what actually arrived on site.
Meet Dario →
LexField reportingSends percent complete.
Work in place from the field is the starting point for each pay application.
Meet Lex →
DoraContractsSends approved changes.
Approved change orders update the budget and the schedule of values.
Meet Dora →Get the draft.
A pay application ready to review, plus a cash forecast your owner meeting can use.
Read the operations guide →Try Fina.
On one of your live jobs.
Fina is in early with the US founding cohort. We set it up with each team on one of their own jobs, with their own estimate and schedule of values.
- Onboarding on your own job a working session on a project of yours
- A direct line to the product team your feedback goes to the people building Fina
- Founding-cohort terms pricing on request, agreed before general availability
Request access
Tell us about one job you bill monthly. We reply personally and set up a session on your own schedule of values.
Getting started
Who can use Fina today?
Fina is available to the US founding cohort. We keep the group small so each team gets hands-on setup and a direct line to the product team.
How does onboarding work?
We set a date and set Fina up with you on one live job: your budget, schedule of values, open invoices and a month of bank activity.
What does Fina cost?
Fina is not part of the published plans yet. Founding-cohort terms are agreed with each team, and pricing is on request.
How it works
Does Fina work with QuickBooks and Sage?
Yes. Fina syncs jobs, vendors, invoices and bills with QuickBooks Online, QuickBooks Desktop, Sage 300 CRE and Sage Intacct. Your accounting system stays the book of record, and nothing is retyped.
Does Fina approve or pay invoices on its own?
No. Fina captures, matches and routes invoices and drafts pay applications. People on your team approve them.
Which accounting tools does Fina work with?
Fina sends invoices and job costs to QuickBooks or Sage.
Is our project data used to train AI models?
No. Your documents stay yours: US data residency, tenant isolation, encryption at rest and in transit, and no training on customer data. Our SOC 2 Type II audit is underway.