timveroOS streamlines borrower, developer, and general contractor onboarding by capturing permits, insurance, contracts, and guarantees in a single flow. Budgets are defined with Schedule of Values (SOV), contingency, and retainage already embedded, while change-order governance is configurable as policy. Eligibility, equity-in, and concentration limits run as policies-as-code, ensuring consistency across facilities. Integrations to LOS, core systems, and title partners remove re-keying. Every approval, role, and artifact is versioned and logged for audit. The outcome: onboarding moves faster, budgets are transparent from day one, and compliance evidence is always readily available.

Draw administration is digitized end-to-end. Borrowers and GCs submit draw requests with invoices and lien waivers through portals. Inspectors capture mobile photos and percentage complete against the SOV, automatically linking progress to budgets. timveroOS generates title update requests and validates conditional/unconditional waivers and insurance status in the same flow. Each draw packet consolidates documentation for committee review, with exceptions routed via governed overrides and retainage logic applied automatically. The result: faster draw cycles, clean audit packets, and strong protection against over-advances or lien disputes.

Disbursements are governed by budget and equity-in rules to prevent over-advances before funds move. timveroOS supports escrow, joint-payee checks, and staged payments, while automatically accruing interest reserves. Fees and interest post cleanly to the GL and reconcile to bank files without manual intervention. Change orders and re-forecasts adjust future headroom transparently. Borrowers and GCs see schedules, balances, and headroom directly in portals. The effect: finance teams close faster, exceptions drop, and reconciliations stay clean month after month.

Project monitoring continues beyond draws. timveroOS tracks variances, delays, and punch lists with early-warning alerts for slippage or covenant breaches. At project end, the system collects final waivers, certificate of occupancy, and lien releases, then generates title policies and closeout documentation. Retainage is released only after compliance checks are satisfied. For construction-to-permanent (C2P) programs, transparent conversion rules apply rate and term, escrow, and payoff logic seamlessly. The result: predictable conversions, fully auditable closeouts, and reduced exposure from unresolved lien or title issues.