[{"data":1,"prerenderedAt":344},["ShallowReactive",2],{"header-resources":3,"header-tools":202,"header-use-cases":223,"changelog-\u002Fchangelog\u002Fstratum-2-4-retainage":260,"changelog-nav":330},[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. 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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",{"id":261,"title":262,"body":263,"date":312,"description":313,"extension":25,"featured":28,"image":314,"imageAlt":315,"imageDark":316,"kind":317,"meta":318,"navigation":28,"path":319,"poster":7,"posterDark":7,"product":320,"seo":321,"sitemap":322,"stem":323,"tags":324,"version":328,"video":7,"videoDark":7,"__hash__":329},"changelog\u002Fchangelog\u002Fstratum-2-4-retainage.md","Retainage is now a tracked balance, not a footnote",{"type":9,"value":264,"toc":308},[265,268,272,293,301,305],[16,266,267],{},"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.",[122,269,271],{"id":270},"what-shipped","What shipped",[149,273,274,281,287],{},[152,275,276,280],{},[277,278,279],"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.",[152,282,283,286],{},[277,284,285],{},"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.",[152,288,289,292],{},[277,290,291],{},"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.",[294,295],"themed-image",{"alt":296,"caption":297,"dark":298,"ratio":299,"src":300},"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",[122,302,304],{"id":303},"notes","Notes",[16,306,307],{},"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":309},[310,311],{"id":270,"depth":21,"text":271},{"id":303,"depth":21,"text":304},"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":262,"description":313},{"loc":319},"changelog\u002Fstratum-2-4-retainage",[325,326,327],"retainage","cash forecast","WIP","2.4.0","FLdQocNGuDmCBrIxtQBVsDNKtqCqYGMtcqgJltxA5uk",[331,332,336,340],{"title":262,"path":319,"date":312},{"title":333,"path":334,"date":335},"Draw packages assemble from field data in one pass","\u002Fchangelog\u002Frelay-1-9-draw-packages","2026-06-04",{"title":337,"path":338,"date":339},"Schedule-of-values imports no longer drop change orders","\u002Fchangelog\u002Finterchange-3-1-2-sov-import","2026-02-26",{"title":341,"path":342,"date":343},"SAML SSO, SCIM provisioning, and a 24-month audit trail","\u002Fchangelog\u002Fplatform-sso-scim-audit-trail","2025-11-13",1792369960005]