About
Construction is a capital markets problem in a hard hat.
Every project is a private capital program: equity, debt, retainage, insurance, payment chains, and lien risk, stitched together with PDFs and email. Subcontractor Audit is the financial nervous system that makes it operable.
What we saw.
Construction moves more than a trillion dollars a year in the United States. Most of it flows through spreadsheets, faxed waivers, and hand-stitched draw binders. Owners approve draws against stale PDFs. Lenders fund on month-old snapshots. Subs chase paper for months to collect on work long since installed.
The information asymmetry is the business problem. A subcontractor’s expired insurance, a sub-tier supplier’s unpaid invoice, a front-loaded pay app - these never become visible to the party carrying the risk until the damage is done.
Every other capital market solved this with infrastructure. The jobsite is the last one that has not.
What we operate.
Subcontractor Audit is a managed money layer. A single ledger connects GCs, subcontractors, owners, and lenders on every project. Compliance is a gate, not a report. Pay apps are parsed on submission. Waivers flow through an auditable chain. Draw packages assemble themselves.
We do not sell software for your team to figure out. We run the platform against your portfolio, with a named operating team. Your people approve the money. We make sure the paperwork is right, the evidence is ready, and the numbers are legible.
Why this team.
Subcontractor Audit is founded by Javier Sanz Alvarez. Over the last decade Javier built and scaled regulated financial infrastructure - as CEO of a European digital brokerage, he grew the firm from zero to 5 million users and led its acquisition by a tier-one US investment bank. He has closed over 100 million euros in cross-border M&A and secured financial licences across 10 jurisdictions on four continents.
That background matters because construction capital is, at root, a regulated operations problem. The skills that build and scale compliant financial infrastructure - licensing, document validation, risk management, multi-party coordination, audit trails - are exactly what the jobsite capital stack needs.
We are not a generic SaaS tool dressed up as a vertical solution. Subcontractor Audit was designed from day one as a money-layer operator, by people who have run regulated infrastructure at scale.
Principles we operate on.
Accuracy before speed
Every extraction ships with a confidence score. Below threshold, a human reviews. We would rather flag a false positive than move money on a wrong number.
Your data stays yours
Documents and ledger entries are never used to train third-party models. AES-256 at rest, TLS 1.3 in flight, row-level isolation between organizations, and US data residency by default.
Honest about AI
AI assists extraction and anomaly detection. Deterministic rules govern compliance gates and payment movement. We are transparent about where each model is and is not in the loop.
Built for the capital stack
Every feature maps to a real construction finance workflow - ACORD 25 endorsements, AIA G702 math, state-specific statutory waivers, retainage release, draw package assembly. No generic ERP wrappers.