Construction Payment Infrastructure

Stop lien exposure
before it starts

LienLock is the compliance layer between construction draws and disbursements. Automate waiver collection, enforce hold conditions, and release payments only when every requirement is met.

$25.1M

Portfolio tracked in demo

3

Active projects

12

Draws processed

100%

Waiver compliance

The Problem

Construction payments are broken

Billions of dollars move through construction projects every year with manual spreadsheets, emailed PDFs, and zero compliance automation. The result: disputes, liens, and lost money.

Lien Exposure

Payments released without proper waivers expose owners and GCs to double-payment risk and mechanic's liens.

Slow Payments

Manual compliance checks and multi-party approvals delay payments by 30-60 days, strangling subcontractor cash flow.

Zero Visibility

Owners, GCs, and subs all work from different data. No one has a single source of truth for draw status or waiver compliance.

The Solution

One platform for every payment safeguard

LienLock replaces email chains, spreadsheets, and guesswork with a structured compliance engine built for construction.

Draw Management

Submit, review, and approve payment draws with multi-level approval chains. Every dollar tracked from request to release.

Lien Waiver Tracking

Collect conditional and unconditional waivers before funds move. Automated reminders keep compliance on track.

Compliance Holds

Block disbursements until insurance, permits, and waivers are verified. No more manual checklists.

Full Audit Trail

Every action timestamped and attributed. Instant export for accountants, attorneys, and auditors.

How It Works

From draw request to payment in three steps

01

Submit a Draw

GC or sub uploads a payment application with line items, backup documentation, and schedule of values.

02

Auto-Verify Compliance

LienLock checks insurance certs, lien waivers, retainage, and hold conditions before the draw reaches an approver.

03

Release with Confidence

Approvers see a clean compliance dashboard. One click to approve — funds release only when every condition is met.

Market Opportunity

A massive, underserved market

Construction is the largest undigitized industry in the world. Payment compliance is still managed on paper and email for the majority of projects.

$2T

U.S. construction spending annually

$64B

Lost to payment disputes each year

53%

Of contractors report slow payments

82%

Of liens are preventable with compliance

Why now?

  • New lien waiver legislation in 12+ states since 2020
  • Insurance carriers requiring digital compliance trails
  • Owners demanding real-time draw visibility
  • Subcontractors refusing projects without payment protection

Competitive advantage

  • Purpose-built for construction — not adapted from generic fintech
  • Compliance-first architecture vs. payment-first competitors
  • Multi-tenant platform serving owners, GCs, and subs equally
  • Full audit trail satisfies legal, insurance, and accounting requirements
Live Demo Available

See it in action

Explore a fully loaded demo with 3 real construction projects, 12 draws, approval chains, lien waivers, and a $25M portfolio — all with real data.

Demo Credentials

marcus@apexcg.com

GC Owner — Full access, 3 projects, $25M portfolio

sarah@apexcg.com

Project Manager — Draws & waivers

james@apexcg.com

Senior PM — Approvals & project management

Password for all accounts: Demo2026!

Launch Demo