Lender draw package assembly
Pay app, lien waivers, sworn statements, and photo evidence pulled into one signed PDF per draw — in your lender's format.
For Owner / Real Estate CFOs
Available on request
The capital stack, the draw schedule, and your covenants in one place — when you're ready.
Your lenders, auditors, and board all want the same numbers — but today they live in spreadsheets, pay-app PDFs, and the title company's waiver tracker. Owner CFO seats on AOS roll out with your team, tied to the same job record your GC uses when they're on the platform.
Cap-ex vs. opex roll-up by entity
Capitalized interest tied to draw cadence
Lender draw package assembly
Debt-service coverage by project
Your reality today
Five tools, one truth — and you're the reconciliation layer.
Owner-side CFOs reconcile what the GC bills, what the lender funded, what the auditor will accept, and what the board needs to see. That reconciliation is mostly your team's overtime.
Draws are still a paper assembly.
Pay apps from the GC, lien waivers from the title company, sworn statements from the contractor, and the lender's certification — all assembled by hand into the format your underwriter wants.
Cap interest lives in a spreadsheet.
Your draw cadence drives capitalized interest, but the calculation lives in an Excel file your senior associate maintains. The auditor's first question is always 'show me the workings.'
Lien waivers don't tie to payments.
Your title company tracks waivers, the GC tracks pay apps, and nothing reconciles. The risk of paying twice or paying without a waiver is real, and it lives on your desk.
Covenant reporting is reactive.
DSCR, LTC, and equity tests are calculated at month-end on whatever cost data made it into the spreadsheet. You find out about a covenant tightening from your banker, not from your own system.
What AOS does for you
One financial record — lender-ready when you roll it out.
Owner finance seats are available on request and roll out with your team. When your GC runs AOS, you get the same cost-and-billing record they use — plus draw packages, capitalized interest, and covenant monitoring built for owner-side finance.
Capital stack ledger
Senior debt, mezz, preferred equity, common equity — each tranche with its own draw cadence, return waterfall, and reporting wrapper.
Capitalized interest
Cap interest accrual tied to your draw cadence, applied per loan tranche, with audit workings your accountant can re-perform.
Covenant monitoring
DSCR, LTC, LTV, debt yield — calculated from the same cost record. Headroom alerts before month-end surprises.
Pay-app review when your GC enables it
Review and approve pay apps on the same pay-app record the GC generated — with lien waivers linked to each payment.
Audit confirmation pack
Subcontract list, retention liability, lien releases, change-order log, draw history — one export per project per quarter.
On request
Owner CFO seats roll out with your team and lender relationships
GC-linked
Pay-app review when your GC enables owner access
1 record
Same job costs the GC enters — not a second reconciliation layer
SOC 2-aligned
Security controls aligned to industry standards; full audit trail
Related roles on the owner team
Built for the whole owner team, not just one seat.
AOS gives every role on the owner team a screen tuned to their workflow — sharing the same record with the GC, the subs, the owner, and the design team. See how it fits the rest of your owner team, or start at the owners and developers overview.
For the Owner Executive →
Portfolio budget variance, lease-up vs. proforma, draw timing, and an early-warning queue across every asset.
For the Owner Asset Manager →
Stabilized-asset operating data, capex pipeline by property, and ESG / energy metrics tied to actual utility bills.
For the Owner Construction Manager →
RFI and submittal queue across every GC, change-order aging by trade, and schedule-slip alerts before they hit the draw.
For Owner Accounting →
Project-cost tracking by capital account, retention/lien-waiver lifecycle, and draw-package assembly for the lender.
Work alongside other parts of the project? AOS also fits commercial general contractors, subcontractors, and architecture firms on the same shared record.
Talk through what owner finance rollout looks like for your capital stack.
30-minute walkthrough on one active project — draw assembly, cap interest, and covenant readout on the workflow we're rolling out with owner CFO teams.