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Construction Loan Software Built on a Building Platform

timveroOS unifies onboarding, budget setup, inspections, draw requests, disbursements, lien and title updates, and final closeout on a single Building Platform.

Specialty construction lenders, private credit funds, and Tier 3-4 community and commercial banks deploy in 2 to 6 weeks, in their own environment, with code-level control over every draw rule, retainage policy, and construction-to-permanent conversion gate.

construction lending platform

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Tell us the construction program you want to see: ground-up, rehab, bridge, or construction-to-permanent conversion, with your own Schedule of Values and retainage pattern. We tailor the demo bench to your exact case.

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Your Program. Our Bench.

  • $5.5B+ In Loans Managed
  • 13+ Regulated Markets Live
  • 5.0 ★ Verified Customer Rating
  • 2-6 wks From Signing to First Draw

Trusted by banks, specialty construction lenders, and private credit teams across 13+ regulated markets

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  • Cartiga logo
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1 The Problem

Why Construction Lending Breaks Standard Loan Software

Construction loans don’t fit standard installment schemas. Borrowers come with developers, general contractors, guarantors, inspectors, and subcontractors. Budgets split across Schedule of Values lines, retainage holdbacks, contingency reserves, and change orders. Lien waivers and title updates need state-specific validation. Specialty construction lenders and Tier 3-4 community banks hit the same architectural ceiling.

  • Multi-Participant Data Models Don’t Fit Generic LMS

    Construction loan administration software built for vanilla installment products can’t represent SOV-level budgets, retainage holdbacks, change-order versioning, or the rotating set of GCs, subs, and inspectors tied to one loan record. Construction loan administration automation software needs an entity-centric data model from day one.

  • Draw Workflows Live Outside the System

    Generic loan servicing software hands draws back to spreadsheets and email. Inspections come in as PDFs. Lien waiver tracking sits in a separate tool. By the time the construction loan management software produces a draw packet, three teams have already done manual reconciliation. That creates over-advance risk and audit exposure.

  • Lien and Title Compliance Is State-Specific, Not Generic

    State-specific lien rules, conditional and unconditional waiver validation, NOLV checks, and title update workflows can’t live as generic checkboxes. Each jurisdiction carries its own statute on waiver wording, filing windows, and release sequencing. Generic LMS workflows produce packets that fail on the first audit pass.

  • Compliance Configuration Sits Behind Vendor Permissions

    Covenant logic, retainage rules, and headroom calculations need to live as policies-as-code with version history. Tier 3-4 banks can’t accept “your compliance is in our config.” Regulators want transparent decision logic, not vendor black boxes hiding the math behind every draw approval.

2 Lifecycle

An End-to-End Lifecycle That Prevents Over-Advances and Errors

You can own the platform that manages every stage of construction lending. From project onboarding and budget setup, to inspections, draw approvals, disbursements, and closeout or construction-to-permanent conversion. Each step is configurable in code and UI. Lien and title compliance, variance control, and audit-ready documentation are part of the data model, not a downstream reconciliation task.

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  • Faster Onboarding With Budgets Built In

    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, contingency, and retainage already embedded. 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 banking systems, and title partners remove re-keying. Every approval, role, and artifact is versioned and logged for audit.

  • Inspections and Draws With Lien Compliance

    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 Schedule of Values, automatically linking progress to budgets. timveroOS generates title update requests and validates conditional and 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 mobile inspector workflow keeps field operations moving without paper, even on sites without reliable connectivity.

  • Disbursements and Accounting Without Rework

    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. Change orders and re-forecasts adjust future headroom transparently. Borrowers and GCs see schedules, balances, and headroom directly in portals. Finance teams close faster, exceptions drop, and reconciliations stay clean month after month.

  • Monitoring, Closeout, and C2P Conversion

    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 programs, transparent conversion rules apply rate and term, escrow, and payoff logic seamlessly, delivering predictable conversions and fully auditable closeouts.

The Data Model That Powers Construction Lending at Scale

The timveroOS platform models borrowers, developers, and GCs alongside collateral, inspectors, and subs. Project data (Schedule of Values, invoices, waivers, title updates) flows into configurable processes like onboarding, inspection, draw, disbursement, and closeout. Construction, rehab, bridge, and construction-to-permanent programs are assembled natively, fully extensible in code and integrations, and always audit-ready.

timveroOS construction lending data model: Participant side with Borrower and Project entities (legal entity, equity-in, project role, performance bond, SOV lines, retainage, headroom) and their documents (KYB, GC contract, insurance, title commitment, lien waivers, inspection reports) feeding the Deal side with a business flow (onboarding, budget setup, inspection and draw request, disbursement, closeout) and product variants (ground-up construction, rehab and bridge, construction-to-permanent)

  • Budgets, Schedule of Values, retainage, and contingency are encoded as policies-as-code. Change orders follow governed approvals, while equity-in and headroom checks run automatically. Exceptions are logged and versioned. Calculations stay transparent for committees and auditors.

    Result

    Tighter variance control, faster draw approvals, predictable funding for every project.

    Prevent Over-Advances With Real-Time Budget Control

  • Draw packets include title updates, lien-waiver validation, and insurance checks as standard. timveroOS supports state-specific lien rules in code. Conditional and unconditional waivers are versioned to the project record. A complete audit trail keeps lenders, borrowers, and contractors aligned throughout the build.

    Result

    Reduce disputes, keep stakeholders aligned, ship audit-ready packets on the first pass.

    Ensure Title and Lien Compliance Without Manual Effort

  • Borrowers and GCs request draws and upload waivers via portals. Inspectors capture mobile photos and percentage complete against the Schedule of Values. Draw administrators and committees see unified packets showing progress, variance, and exceptions. The inspector mobile workflow runs offline-tolerant for sites without reliable connectivity.

    Result

    Faster draw cycles, fewer disputes, transparent reporting across all stakeholders.

    Streamline Draws With Portals and Mobile Inspections

timveroAI

Smarter Inspections and Safer Disbursements With AI

Construction-specific intelligence on the Building Platform.

The Advanced Analytics layer in timveroOS strengthens construction lending where manual review leaves blind spots. Models estimate percentage complete from inspections and spend, predict delays and cost overruns, flag forged waivers and invoices, and optimize draw timing and cash-flow forecasts to reduce disputes. Every model runs in your environment on your own project data, documents, and payment history. Fully governed, explainable, and audit-ready.

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  • Percent-Complete and Delay Risk Predictor

    Models estimate inspector-validated percentage complete against the Schedule of Values, then forecast delay risk on each draw before disbursement. Every score surfaces its features and reasoning for committee review.

  • Budget-Variance Early Warning

    Continuous monitoring of SOV-line spend versus plan, with alerts on slippage, contingency drawdown, and covenant breach risk well before the next draw committee.

  • Waiver and Invoice Forgery Detection

    Anomaly models flag forged or duplicate lien waivers, doctored invoices, and suspicious GC submissions at intake, before any retainage or progress payment moves.

  • Optimal Draw Timing and Cash-Flow Forecast

    Project-level cash-flow forecasts and draw-timing recommendations balance lender liquidity with borrower headroom across the portfolio, in your environment, on your own data.

5 Two Profiles

Built for Specialty Construction Lenders and Banks

Whether you run construction lending as a standalone specialty NBFI or as a portfolio inside a Tier 3-4 bank, the architecture problem is the same: SOV-level budgets, retainage holdbacks, state-specific lien rules, and inspector workflows that no generic LMS holds cleanly. The Building Platform answers it once, in your environment, at the code level.

Specialty Construction Lenders and Private Credit

Specialty construction lenders, private credit funds, and NBFIs with construction allocations

Run ground-up, rehab, bridge, and construction-to-permanent programs with strict over-advance prevention, rapid inspections, and automated exception routing. Draw and budget policies run as code. Lien and waiver validations are logged. Reconciliations post cleanly to GL. Data stays in your own environment. Add new program types like multi-property residential, mixed-use, or owner-builder without waiting on a vendor roadmap.

Tier 3-4 Community and Commercial Banks

Tier 3-4 community and commercial banks running residential and commercial construction programs

Stand up residential and commercial construction programs with policies-as-code for budgets, retainage, and lien-title compliance. Connect timveroOS to your LOS, core banking systems, appraisal, inspection, and title partners. Deliver audit-ready draw packets and reporting to risk and finance. For Tier 3-4 institutions, architectural-level control over decision logic isn’t optional. It’s what regulators expect.

6 Customer Stories

Customer Outcomes Across the Platform

These case studies show how teams use the Building Platform to build complex products their previous vendors couldn’t deliver. The mechanics translate directly to construction lending: architectural control over policies, rapid time-to-launch, and ownership of the data model.

  • 80% ready-to-use lending infrastructure supplied
    Finom

    Finom

    timveroOS partners with a fast-growing European fintech to launch a multi-country proactive credit product for SMEs delivering full automation, regulatory compliance, and rapid market rollout at a fraction of the cost and time of traditional banking systems.

    Read now
  • 90% cost reduction compare to the previous solution
    Cartiga

    Cartiga

    timveroOS enables a US-based litigation finance company to launch complex working capital products for law firms while achieving full automation, faster time to market, and significantly lowering costs compared to their previous enterprise platform.

    Read now
  • 100% bespoke origination requirements coverage
    AMIO Bank

    AMIO Bank

    timveroOS enabled a leading Armenian bank to transform a complex lending concept with guarantor support into a fully automated, production-ready solution. The platform ensured full compliance and rapid deployment - bringing the new product to market in just six months.

    Read now
7 The Choice

An Easy Choice Between SaaS Speed and Custom Control

SaaS construction loan software launches quickly but limits flexibility and audit depth. Custom builds offer control but come with long delivery cycles and high maintenance cost. The timveroOS Building Platform delivers both: faster deployment, reasonable costs, full governance. Policies for draws, retainage, lien compliance, and construction-to-permanent conversion run as code in your environment.

Fast but capped

SaaS Construction LMS

Pros

  • Fast initial go-live
  • Lower upfront cost
  • Prebuilt vanilla draw workflows

Cons

  • Limited policy and UX flexibility
  • SOV and retainage modeled as workarounds
  • Lien and title rules hidden in vendor config
  • Per-seat or per-draw fees escalate TCO
  • Vendor roadmap and data custody constraints
Building Platform

timveroOS

Features

  • SOV, retainage, and contingency as policies-as-code
  • Lien and title rules versioned and auditable
  • Draw packets composed by the Building Platform
  • Headroom and equity-in checks run automatically
  • Open SDK to LOS, core banking, title, and inspection partners
  • Immutable log of every change, override, and reversal
  • Portfolio-tiered pricing, no per-seat or per-draw fees
Control but slow

Custom Development

Pros

  • Full control of code and UX
  • Tailored integrations and data model
  • No vendor lock-in

Cons

  • 9 to 18 month delivery risk
  • High build and maintenance cost
  • Talent and knowledge concentration risk

timveroOS

Features

  • SOV, retainage, and contingency as policies-as-code
  • Lien and title rules versioned and auditable
  • Draw packets composed by the Building Platform
  • Headroom and equity-in checks run automatically
  • Open SDK to LOS, core banking, title, and inspection partners
  • Immutable log of every change, override, and reversal
  • Portfolio-tiered pricing, no per-seat or per-draw fees
Discuss Your Construction Use Case

Solutions for Specialty and Commercial Lending

9 FAQ

Construction Loan Software: Common Questions

Talk to Sales
  • What is construction loan software?

    Construction loan software manages the lifecycle of construction loans from onboarding through disbursement, inspections, draws, and final closeout or construction-to-permanent conversion. timveroOS delivers this as building blocks on a Building Platform. Lenders own the code, the data, and every policy. Budgets, lien-waiver rules, retainage, and covenant logic run in your environment, configurable but versioned and auditable.

  • What platform manages construction loan disbursements and inspections?

    timveroOS manages construction loan disbursements and inspections on a single Building Platform. Inspectors capture percentage complete and photos via a mobile workflow. Draw packets pull in lien waivers, title updates, and insurance validations automatically. Disbursements are governed by Schedule of Values budgets, retainage rules, and equity-in checks that run as policies-as-code. Every step is logged and audit-ready.

  • What loan programs does timveroOS support: construction, rehab, bridge, or C2P?

    timveroOS supports ground-up construction, rehab loan management, bridge loans, renovation financing, and construction-to-permanent programs natively. Each program is assembled from the same Building Platform building blocks: borrowers, GCs, collateral, budgets, draws, and disbursements. Programs share the data model, so risk and finance see a unified portfolio view across all construction-related products.

  • How does construction loan management software prevent over-advances?

    timveroOS prevents over-advances by treating budget, retainage, and equity-in as policies-as-code that run before every disbursement. Inspector-validated percentage complete is matched against Schedule of Values line items. Headroom is recalculated on every change order. Disbursement requests that would exceed budgeted headroom are routed for governed override or blocked. The audit trail records every check, every override, and every reason.

  • Can construction loan administration software integrate with core banking systems?

    Yes. timveroOS integrates with core banking systems, LOS platforms, appraisal services, title partners, and inspection vendors through the Open SDK. Every integration becomes a first-class building block on the Building Platform, owned in your code, deployed in your environment. New vendors get composed by timveroAI in days, with no marketplace dependency and no per-call fees.

  • Does timveroOS provide a mobile workflow for construction loan inspectors?

    Yes. Inspectors use the timveroOS mobile workflow to capture photos, mark percentage complete against Schedule of Values line items, and submit progress reports directly into the draw packet. The mobile flow is offline-tolerant for sites without reliable connectivity. Submissions sync back to draw administrators and committees as soon as the device reconnects.

  • How is timveroOS construction loan software priced?

    timveroOS uses portfolio-tiered pricing scoped to your deployment, not per-seat or per-draw. Pricing covers the Building Platform, the construction lending modules in scope, timveroAI configuration cycles, and your deployment environment. For a tailored quote, see our pricing page or request a demo.

  • How long does it take to deploy a construction loan management system on timveroOS?

    Typical construction lending deployments run 2 to 6 weeks from signing to first draw disbursed. The timveroAI agent handles 70 to 80 percent of the implementation work, composing draw policies, integration adapters, document templates, and reporting flows. Human-in-the-loop approval gates keep every change auditable. Subsequent programs (rehab, bridge, construction-to-permanent) deploy faster because they share the same data model and building blocks.

10 What’s New

Latest Insights

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Take Control of Construction Lending

Faster draws. Transparent budgets. Lien and title compliance. Predictable construction-to-permanent conversions. Assemble your construction lending system on the Building Platform, in your own environment, free from vendor lock-in.

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