[{"data":1,"prerenderedAt":506},["ShallowReactive",2],{"header-resources":3,"header-tools":202,"header-use-cases":223,"changelog-entries":260},[4,34,54,74,94,114],{"id":5,"title":6,"abstract":7,"author":7,"body":8,"contributors":7,"date":23,"description":24,"extension":25,"featured":26,"kind":7,"length":7,"meta":27,"navigation":28,"path":29,"pdf":7,"pillar":7,"seo":30,"sitemap":31,"stem":32,"__hash__":33},"resources\u002Fresources\u002Fcfi-score-action.md","CFI Score Action",null,{"type":9,"value":10,"toc":19},"minimark",[11,15],[12,13,6],"h1",{"id":14},"cfi-score-action",[16,17,18],"p",{},"Coming soon: Resources and guides for improving your CFI (Contractor Financial Intelligence) Score.",{"title":20,"searchDepth":21,"depth":21,"links":22},"",2,[],"2024-01-01","Resources and guides for improving your CFI (Contractor Financial Intelligence) Score","md",false,{},true,"\u002Fresources\u002Fcfi-score-action",{"title":6,"description":24},{"loc":29},"resources\u002Fcfi-score-action","qthnWZ9or0VkU98kRN20_n1IQLSVN9gbiApK8YEQGGA",{"id":35,"title":36,"abstract":7,"author":7,"body":37,"contributors":7,"date":23,"description":47,"extension":25,"featured":26,"kind":7,"length":7,"meta":48,"navigation":28,"path":49,"pdf":7,"pillar":7,"seo":50,"sitemap":51,"stem":52,"__hash__":53},"resources\u002Fresources\u002Findustry-reports.md","Industry Reports",{"type":9,"value":38,"toc":45},[39,42],[12,40,36],{"id":41},"industry-reports",[16,43,44],{},"Coming soon: Comprehensive industry reports and analysis on construction and financial trends.",{"title":20,"searchDepth":21,"depth":21,"links":46},[],"Comprehensive industry reports and analysis on construction and financial trends",{},"\u002Fresources\u002Findustry-reports",{"title":36,"description":47},{"loc":49},"resources\u002Findustry-reports","MmrDvZIUpJqw65GSjAnEfg_r_ukJ_tckhOYyYYwMkD8",{"id":55,"title":56,"abstract":7,"author":7,"body":57,"contributors":7,"date":23,"description":67,"extension":25,"featured":26,"kind":7,"length":7,"meta":68,"navigation":28,"path":69,"pdf":7,"pillar":7,"seo":70,"sitemap":71,"stem":72,"__hash__":73},"resources\u002Fresources\u002Fresearch.md","Research",{"type":9,"value":58,"toc":65},[59,62],[12,60,56],{"id":61},"research",[16,63,64],{},"Coming soon: Original research and data insights on the construction industry.",{"title":20,"searchDepth":21,"depth":21,"links":66},[],"Original research and data insights on the construction industry",{},"\u002Fresources\u002Fresearch",{"title":56,"description":67},{"loc":69},"resources\u002Fresearch","bvZiXioNSUPqYWJmcOfJhDutkg5g-z2_huSf1AcUuiU",{"id":75,"title":76,"abstract":7,"author":7,"body":77,"contributors":7,"date":87,"description":84,"extension":25,"featured":26,"kind":7,"length":7,"meta":88,"navigation":28,"path":89,"pdf":7,"pillar":7,"seo":90,"sitemap":91,"stem":92,"__hash__":93},"resources\u002Fresources\u002Ftools.md","Tools",{"type":9,"value":78,"toc":85},[79,82],[12,80,76],{"id":81},"tools",[16,83,84],{},"Free calculators and lookups for builders, lenders, and program managers.",{"title":20,"searchDepth":21,"depth":21,"links":86},[],"2026-05-21",{},"\u002Fresources\u002Ftools",{"title":76,"description":84},{"loc":89},"resources\u002Ftools","HS9BPieyLlvpvSVjckAtIdR89dB0Hz35lxq_Ho8Lm9o",{"id":95,"title":96,"abstract":7,"author":7,"body":97,"contributors":7,"date":23,"description":107,"extension":25,"featured":26,"kind":7,"length":7,"meta":108,"navigation":28,"path":109,"pdf":7,"pillar":7,"seo":110,"sitemap":111,"stem":112,"__hash__":113},"resources\u002Fresources\u002Fwhitepapers.md","Whitepapers",{"type":9,"value":98,"toc":105},[99,102],[12,100,96],{"id":101},"whitepapers",[16,103,104],{},"In-depth whitepapers on construction finance, technology, and industry best practices.",{"title":20,"searchDepth":21,"depth":21,"links":106},[],"In-depth whitepapers on construction finance, technology, and industry best practices",{},"\u002Fresources\u002Fwhitepapers",{"title":96,"description":107},{"loc":109},"resources\u002Fwhitepapers","e0_tBnpPeGs6E14fBTSla7v2OCi6spONCohsJsxVQdw",{"id":115,"title":116,"abstract":117,"author":118,"body":119,"contributors":188,"date":190,"description":191,"extension":25,"featured":28,"kind":192,"length":193,"meta":194,"navigation":28,"path":195,"pdf":196,"pillar":197,"seo":198,"sitemap":199,"stem":200,"__hash__":201},"resources\u002Fresources\u002Fwhitepapers\u002Fcan-you-make-the-company-better.md","Can You Make the Company Better?","Construction has spent decades investing in better projects. It has not asked, with the same intensity, whether it is building better construction companies. This paper defines five dimensions of subcontractor strength, walks the framework through two composite scenarios, introduces the Better-Company Loop, and argues that the next phase of construction modernization should be measured against a higher standard.","ConStrat AI",{"type":9,"value":120,"toc":183},[121,126,129,132,135,138,141,145,148,176,180],[122,123,125],"h2",{"id":124},"abstract","Abstract",[16,127,128],{},"Construction has spent decades investing in better projects, and the investment has paid off. Building information modeling improved design coordination. Cloud platforms connected the field and the office. Prefabrication moved portions of production into controlled environments, and artificial intelligence is beginning to influence estimating, scheduling and risk.",[16,130,131],{},"There is a different question, however, that construction technology has not addressed with the same intensity: are we building better construction companies?",[16,133,134],{},"A subcontractor can run modern project-management software and still have poor visibility into its own cash position. It can win more work than it has the working capital to execute. It can grow revenue while becoming financially weaker. And it can discover a problem with project profitability only after the opportunity to correct it has passed.",[16,136,137],{},"FMI found that 79% of contractors could improve labor productivity by at least 6% through better management — a gap that is not primarily one of technology or craft skill, but of management. Construction’s productivity challenge therefore reaches past technology, labor and project management into the performance of the companies themselves, and that is the part the industry has left most thinly addressed.",[16,139,140],{},"This paper sets out a framework for addressing it: five dimensions of subcontractor strength, the operational signals that make each one measurable, and a repeatable loop for improving them — measured against a higher standard: can you make the company better?",[122,142,144],{"id":143},"inside-the-paper","Inside the paper",[16,146,147],{},"Eight sections, drawing on research from PwC, the McKinsey Global Institute, the U.S. Bureau of Labor Statistics, FMI, Billd and the Surety & Fidelity Association of America:",[149,150,151,155,158,161,164,167,170,173],"ul",{},[152,153,154],"li",{},"Why the company — not the project — is construction technology’s blind spot",[152,156,157],{},"The subcontractor’s financial paradox, and why profitable companies still run out of cash",[152,159,160],{},"How growth can make a weak contractor weaker",[152,162,163],{},"Five dimensions of subcontractor strength: financial visibility, project profitability, cash predictability, institutional readiness and management discipline",[152,165,166],{},"The framework in practice, walked through two composite scenarios — growth outrunning cash, and the bonding threshold. Both are constructed to demonstrate the framework; neither describes a specific customer",[152,168,169],{},"The Better-Company Loop: connect, measure, detect, act, improve",[152,171,172],{},"Building the intelligence layer for the subcontractor",[152,174,175],{},"How stronger subcontractors strengthen general contractors, owners, lenders, sureties and the contractor-development ecosystem — partner programs, CDFIs, trade associations, workforce initiatives and public agencies",[122,177,179],{"id":178},"about-constrat-ai","About ConStrat AI",[16,181,182],{},"ConStrat AI is building financial intelligence infrastructure for the construction industry, with a focus on helping contractors better understand, manage and improve the companies behind the projects they build. The mission is simple: build better contractors.",{"title":20,"searchDepth":21,"depth":21,"links":184},[185,186,187],{"id":124,"depth":21,"text":125},{"id":143,"depth":21,"text":144},{"id":178,"depth":21,"text":179},[189],"danielle_martin","2026-08-01","A framework for building stronger, more bankable, more productive subcontractors.","WHITEPAPER","16 pages",{},"\u002Fresources\u002Fwhitepapers\u002Fcan-you-make-the-company-better","\u002Fwhitepapers\u002Fconstrat-ai-can-you-make-the-company-better.pdf","WHITEPAPERS",{"title":116,"description":191},{"loc":195},"resources\u002Fwhitepapers\u002Fcan-you-make-the-company-better","vNpBBY_owT3_iMVP6g-z-e4zLMfEBPVV82p-vCem_tI",[203],{"id":204,"title":205,"blurb":206,"body":207,"category":214,"description":20,"extension":25,"icon":7,"meta":215,"navigation":28,"order":216,"path":217,"seo":218,"sitemap":219,"status":220,"stem":221,"__hash__":222},"tools\u002Fresources\u002Ftools\u002Fmiher-revenue.md","MiHER Revenue Calculator","Estimate your annual MiHER program revenue based on contractor role, pipeline volume, rebate mix, and margin.",{"type":9,"value":208,"toc":212},[209],[210,211],"miher-calculator",{},{"title":20,"searchDepth":21,"depth":21,"links":213},[],"CALCULATOR",{},1,"\u002Fresources\u002Ftools\u002Fmiher-revenue",{"title":205,"description":20},{"loc":217},"live","resources\u002Ftools\u002Fmiher-revenue","sH3CkEFDsQQMkwi1kiR8mb8VXy4DXwaT0qV7DP80n9c",[224,228,232,236,240,244,248,252,256],{"title":225,"cardText":7,"subtitle":226,"path":227},"Construction Managers and General Contractors","CMs and GCs are tasked with delivering complex projects on time and on budget—yet they rely heavily on smaller trade contractors who are often stretched thin. When those contractors face delays, cash flow issues, or operational breakdowns, it directly threatens the GC’s ability to perform.","\u002Fuse-cases\u002Fconstruction\u002Fconstruction-managers",{"title":229,"cardText":7,"subtitle":230,"path":231},"Contractors","Contractors carry the risk, fund the work, and face relentless pressure—often with limited resources and impossible demands.","\u002Fuse-cases\u002Fconstruction\u002Fcontractors",{"title":233,"cardText":234,"subtitle":7,"path":235},"Construction","Business intelligence for data driven decision making.\nStop guessing, start knowing—before problems become emergencies.\n","\u002Fuse-cases\u002Fconstruction\u002Fmain",{"title":237,"cardText":7,"subtitle":238,"path":239},"Program Managers","We provide real-time visibility into subcontractor performance, financial health, and compliance to support program managers.","\u002Fuse-cases\u002Fconstruction\u002Fprocurement",{"title":241,"cardText":7,"subtitle":242,"path":243},"Bonding Agents","Real-time visibility into contractor bonding risk and capacity","\u002Fuse-cases\u002Ffinance\u002Fbonding-agents",{"title":245,"cardText":7,"subtitle":246,"path":247},"CDFIs","What do they need","\u002Fuse-cases\u002Ffinance\u002Fcdfis",{"title":249,"cardText":250,"subtitle":7,"path":251},"Finance","Real-time underwriting intelligence for lenders and sureties.\nMonitor risk continuously, not quarterly.\n","\u002Fuse-cases\u002Ffinance\u002Fmain",{"title":253,"cardText":254,"subtitle":7,"path":255},"Government","De-risk capital deployment with real-time contractor health intelligence.\nBetter oversight, better outcomes.\n","\u002Fuse-cases\u002Fgovernment\u002Fmain",{"title":257,"cardText":258,"subtitle":7,"path":259},"Manufacturing","Real-time margin and cash visibility for manufacturers.\nTrack profitability as production moves, not after the fact.\n","\u002Fuse-cases\u002Fmanufacturing\u002Fmain",[261,331,397,451],{"id":262,"title":263,"body":264,"date":313,"description":314,"extension":25,"featured":28,"image":315,"imageAlt":316,"imageDark":317,"kind":318,"meta":319,"navigation":28,"path":320,"poster":7,"posterDark":7,"product":321,"seo":322,"sitemap":323,"stem":324,"tags":325,"version":329,"video":7,"videoDark":7,"__hash__":330},"changelog\u002Fchangelog\u002Fstratum-2-4-retainage.md","Retainage is now a tracked balance, not a footnote",{"type":9,"value":265,"toc":309},[266,269,273,294,302,306],[16,267,268],{},"Most contractors carry six or seven figures of retainage and track it in a spreadsheet that nobody trusts. Stratum 2.4 makes it a real balance — sourced from your billings, aged, and reconciled every time the books move.",[122,270,272],{"id":271},"what-shipped","What shipped",[149,274,275,282,288],{},[152,276,277,281],{},[278,279,280],"strong",{},"Per-contract retainage."," Held-back amounts roll up from each pay application to the contract, then to the project, then to the portfolio. Base contract and change orders are tracked separately, because they are usually released separately.",[152,283,284,287],{},[278,285,286],{},"Aging on every balance."," Each held-back dollar carries the number of days since the billing that created it, so a 96-day balance stops hiding behind a healthy total.",[152,289,290,293],{},[278,291,292],{},"Releasable flagging."," When substantial completion or a contractual release milestone lands, Stratum marks the balance releasable and surfaces it in the 13-week cash view instead of leaving it parked in receivables.",[295,296],"themed-image",{"alt":297,"caption":298,"dark":299,"ratio":300,"src":301},"Retainage rollup listing base contract and change-order balances with age in days","Retainage now rolls up per project and per contract.","\u002Fimages\u002Fchangelog\u002Fstratum-retainage-rollup-dark.svg","16 \u002F 10","\u002Fimages\u002Fchangelog\u002Fstratum-retainage-rollup-light.svg",[122,303,305],{"id":304},"notes","Notes",[16,307,308],{},"Historical billings are backfilled on first sync, so the balances are populated the day you upgrade. Retainage receivable stays out of the standard AR aging report to avoid double-counting; it has its own line.",{"title":20,"searchDepth":21,"depth":21,"links":310},[311,312],{"id":271,"depth":21,"text":272},{"id":304,"depth":21,"text":305},"2026-08-19","Stratum tracks held-back retainage down to the contract line, ages it against your billing schedule, and folds the releasable portion into the cash forecast.","\u002Fimages\u002Fchangelog\u002Fstratum-retainage-light.svg","Stratum retainage panel showing held-back balances by project with a total held-back readout","\u002Fimages\u002Fchangelog\u002Fstratum-retainage-dark.svg","release",{},"\u002Fchangelog\u002Fstratum-2-4-retainage","stratum",{"title":263,"description":314},{"loc":320},"changelog\u002Fstratum-2-4-retainage",[326,327,328],"retainage","cash forecast","WIP","2.4.0","FLdQocNGuDmCBrIxtQBVsDNKtqCqYGMtcqgJltxA5uk",{"id":332,"title":333,"body":334,"date":378,"description":379,"extension":25,"featured":26,"image":7,"imageAlt":7,"imageDark":7,"kind":380,"meta":381,"navigation":28,"path":382,"poster":383,"posterDark":384,"product":385,"seo":386,"sitemap":387,"stem":388,"tags":389,"version":393,"video":394,"videoDark":395,"__hash__":396},"changelog\u002Fchangelog\u002Frelay-1-9-draw-packages.md","Draw packages assemble from field data in one pass",{"type":9,"value":335,"toc":374},[336,339,341,361,369,371],[16,337,338],{},"Draw requests fail on documentation, not on math. Relay 1.9 keeps the evidence attached to the quantity from the moment a foreman records it, so assembling the package is a review step rather than a scavenger hunt.",[122,340,272],{"id":271},[149,342,343,349,355],{},[152,344,345,348],{},[278,346,347],{},"One-pass assembly."," Approved field quantities, their photos, and the crew sign-off travel together into the draw package. No re-keying, no chasing a phone camera roll on the last day of the month.",[152,350,351,354],{},[278,352,353],{},"Lender-shaped output."," The package exports in the format your lender's route already expects, so it moves through Interchange without a manual repack.",[152,356,357,360],{},[278,358,359],{},"Blocking issues up front."," Missing lien waivers, unsigned inspections, and quantities that exceed the schedule of values are flagged before submission instead of coming back as a rejection two weeks later.",[362,363],"themed-video",{"caption":364,"dark":365,"poster":366,"posterDark":367,"src":368},"Draw requests assemble from field data in one pass.","\u002Fimages\u002Fchangelog\u002Frelay-field-capture-dark.mp4","\u002Fimages\u002Fchangelog\u002Frelay-field-capture-poster-light.svg","\u002Fimages\u002Fchangelog\u002Frelay-field-capture-poster-dark.svg","\u002Fimages\u002Fchangelog\u002Frelay-field-capture-light.mp4",[122,370,305],{"id":304},[16,372,373],{},"Existing draws in flight are untouched. The new assembly applies to any draw opened after the upgrade, and the old manual builder stays available from the draw menu through the end of the year.",{"title":20,"searchDepth":21,"depth":21,"links":375},[376,377],{"id":271,"depth":21,"text":272},{"id":304,"depth":21,"text":305},"2026-06-04","Quantities, photos, and sign-offs captured in Relay now compose a draw package automatically, so the pay application leaves the jobsite already supported.","improvement",{},"\u002Fchangelog\u002Frelay-1-9-draw-packages","\u002Fimages\u002Fchangelog\u002Frelay-draw-poster-light.svg","\u002Fimages\u002Fchangelog\u002Frelay-draw-poster-dark.svg","relay",{"title":333,"description":379},{"loc":382},"changelog\u002Frelay-1-9-draw-packages",[390,391,392],"draw requests","field capture","pay applications","1.9.0","\u002Fimages\u002Fchangelog\u002Frelay-draw-light.mp4","\u002Fimages\u002Fchangelog\u002Frelay-draw-dark.mp4","oeOqNQbTAQZd_IPheQUEI6fr0ALWjX1z9AAWO3gjQ2g",{"id":398,"title":399,"body":400,"date":440,"description":441,"extension":25,"featured":26,"image":7,"imageAlt":7,"imageDark":7,"kind":442,"meta":443,"navigation":28,"path":444,"poster":7,"posterDark":7,"product":445,"seo":446,"sitemap":447,"stem":448,"tags":7,"version":449,"video":7,"videoDark":7,"__hash__":450},"changelog\u002Fchangelog\u002Finterchange-3-1-2-sov-import.md","Schedule-of-values imports no longer drop change orders",{"type":9,"value":401,"toc":436},[402,405,409,429,433],[16,403,404],{},"A schedule of values exported from certain project-management systems uses a merged header row above the change-order block. Our column mapper read that row as data, then skipped every line beneath it. The base contract imported correctly, so the totals looked plausible and the omission was easy to miss.",[122,406,408],{"id":407},"what-changed","What changed",[149,410,411,417,423],{},[152,412,413,416],{},[278,414,415],{},"Merged headers are detected and skipped",", and the change-order block is mapped to the same columns as the base contract.",[152,418,419,422],{},[278,420,421],{},"Line-count validation on import."," If the number of lines written does not match the number of lines read, the import fails loudly instead of completing with a short schedule.",[152,424,425,428],{},[278,426,427],{},"Affected routes were re-synced."," Any lender or program-manager route that received a truncated schedule since 3.1.0 has been refreshed with the corrected version, and the audit log records the correction.",[122,430,432],{"id":431},"who-was-affected","Who was affected",[16,434,435],{},"Workspaces importing a schedule of values from a file with a merged change-order header between 3 January and 24 February 2026. We contacted the twelve affected workspaces directly before this note was published. No other route data was involved.",{"title":20,"searchDepth":21,"depth":21,"links":437},[438,439],{"id":407,"depth":21,"text":408},{"id":431,"depth":21,"text":432},"2026-02-26","A column-mapping bug dropped change-order lines from imported schedules of values when the source file used merged headers. Fixed, with affected routes re-synced.","fix",{},"\u002Fchangelog\u002Finterchange-3-1-2-sov-import","interchange",{"title":399,"description":441},{"loc":444},"changelog\u002Finterchange-3-1-2-sov-import","3.1.2","j-FmIZrKG9jS42-2q83R7g5h0ingjd7zma-PIKBv4-8",{"id":452,"title":453,"body":454,"date":490,"description":491,"extension":25,"featured":26,"image":492,"imageAlt":493,"imageDark":7,"kind":494,"meta":495,"navigation":28,"path":496,"poster":7,"posterDark":7,"product":497,"seo":498,"sitemap":499,"stem":500,"tags":501,"version":7,"video":7,"videoDark":7,"__hash__":505},"changelog\u002Fchangelog\u002Fplatform-sso-scim-audit-trail.md","SAML SSO, SCIM provisioning, and a 24-month audit trail",{"type":9,"value":455,"toc":486},[456,459,461,481,483],[16,457,458],{},"Contractors working inside owner and lender programs are increasingly asked to prove who can reach financial data and how that access is revoked. This release answers that with configuration rather than a written policy.",[122,460,272],{"id":271},[149,462,463,469,475],{},[152,464,465,468],{},[278,466,467],{},"SAML 2.0 single sign-on."," Works with Okta, Entra ID, and any SAML-compliant provider. Once enforced for a workspace, password sign-in is disabled for every member outside the break-glass owner account.",[152,470,471,474],{},[278,472,473],{},"SCIM provisioning."," Users and roles are created, updated, and deactivated from your identity provider. A deprovision revokes active sessions immediately rather than at next token expiry.",[152,476,477,480],{},[278,478,479],{},"Audit trail with export."," Sign-ins, role changes, route approvals, and every consent granted or revoked through Interchange are retained for 24 months and exportable as CSV.",[122,482,305],{"id":304},[16,484,485],{},"SSO enforcement is available on Program and Enterprise workspaces. Turn it on under Settings → Security; we recommend running SCIM in provision-only mode for a full cycle before enabling deprovisioning.",{"title":20,"searchDepth":21,"depth":21,"links":487},[488,489],{"id":271,"depth":21,"text":272},{"id":304,"depth":21,"text":305},"2025-11-13","Workspaces can now enforce SAML single sign-on, provision and deprovision users through SCIM, and export a complete 24-month audit trail.","\u002Fimages\u002Fchangelog\u002Fplatform-audit-trail.svg","Platform audit trail listing SAML logins, SCIM provisioning events, and route approvals","security",{},"\u002Fchangelog\u002Fplatform-sso-scim-audit-trail","platform",{"title":453,"description":491},{"loc":496},"changelog\u002Fplatform-sso-scim-audit-trail",[502,503,504],"SSO","SCIM","audit","REC8yD-wlqx9e88hqmnwXmh4hckgOHZU96HvMRtPlbs",1792369959241]