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Visibility Between Financials — Built for Construction Lending
Weekly summaries showing payment patterns, draw timing, and communication changes across your construction portfolio.
- Track payment velocity across active borrowers
- Monitor draw request frequency and patterns
- Surface communication timing worth investigating
- Observable changes, not predictions or scores
LeanBuild™ provides a continuous monitoring layer between reporting periods, designed to support existing lender and contractor workflows.
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Bondability Breaks Down Long Before Underwriting Sees It
Continuous risk monitoring across portfolios, contractors, and invoices—with quantified exposure and time-to-distress.
Quarterly Blind Spots
90-day gaps between financial reviews create hidden risk accumulation. Annual statements lag reality by 60+ days. Underwriters operate with stale data while contractor health deteriorates in real-time.
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Lagging Indicators Only
Financial statements show what already happened, not what's happening now. Profit erosion, cash flow stress, and payment delays signal distress weeks before balance sheets reflect them.
Reactive Underwriting
Claims trigger action instead of early warning signals. By the time a bonded contractor defaults, intervention options narrow to claims management rather than proactive risk mitigation.
Five Leading Indicators of Contractor Distress
Acceleration in change order volume and approval lag indicates project instability and scope creep. We track frequency, dollar value, and time-to-approval as early stress indicators.
Change Order Velocity
Acceleration in change order volume and approval lag indicates project instability and scope creep. We track frequency, dollar value, and time-to-approval as early stress indicators.
Payment Delay Patterns
Subcontractor payment timing reveals cash flow health before it appears in financials. Extending payment cycles and inconsistent timing predict revenue collection problems.
Invoice Aging Acceleration
Collections slowing from 45 to 60+ days signals client payment friction. We track aging velocity and concentration—not just static aging buckets.
Documentation Compliance
Missing lien waivers, expired insurance certificates, and incomplete permit tracking proxy operational discipline. Documentation gaps are leading indicators of risk management quality and predict claims frequency.
Retainage Release Lag
Extended retainage holds and disputed final payments indicate project completion friction and client satisfaction issues. Delayed release predicts payment default on future projects.
Read-Only Intelligence Layer on Contractor Accounting Systems
Bonded contractors keep QuickBooks. LeanBuild adds continuous risk monitoring with zero workflow disruption.
QuickBooks Native Integration
Missing lien waivers, expired insurance certificates, and incomplete permit tracking proxy operational discipline. Documentation gaps are leading indicators of risk management quality and predict claims frequency.
QuickBooks Native Integration
Missing lien waivers, expired insurance certificates, and incomplete permit tracking proxy operational discipline. Documentation gaps are leading indicators of risk management quality and predict claims frequency.
Insurer Partnership Program
90-Day Risk Intelligence Pilot:
- 10-20 bonded contractors from your existing portfolio
- Silent deployment—no workflow disruption initially
- Weekly anonymized risk signal summaries
- Monthly portfolio-level risk briefs with trend analysis
- Single success metric: signals detected ≥30 days earlier than current process
Pilot provided at no cost. Post-pilot engagement priced based on portfolio size and integration depth. We're investing in proving the concept alongside you—not selling unvalidated software.
