Get paid the day you earn it.
Same-day ACH the moment your draw is approved. The money's already committed in escrow before you swing a hammer — no more finishing the work and then financing your client for two months.
Every day an invoice ages, you are lending your client money at zero percent — with your payroll, your suppliers and your credit line as collateral. Obra ends the loan: the funds are already committed before demo day, and approval moves them the same day.
You're not a bank. Stop working like one.
Every slow-paying job makes you the lender: you front the materials, float the payroll, and carry the risk while the invoice ages. The whole industry prices that pain in — and everyone builds worse because of it. The people who build everything shouldn’t be the last ones paid for anything.
The money's already there. Go earn it.
Committed funds, same-day release
The homeowner deposits into escrow before you start — so the money for every milestone already exists. When they approve your draw, same-day ACH hits your account. Payroll on Friday stops being a prayer.
Two-minute documentation
Your crew shoots photos and a short walkthrough in the app when a milestone wraps — from the phones they already carry, in English or Spanish. That's the whole draw request. No invoice formatting, no email chains.
Lien waivers on autopilot
Conditional waivers generate and attach to every draw; the final unconditional waiver closes the job. The paperwork that used to eat your evenings just happens.
Evidence that ends arguments
Timestamped, GPS-matched photo and video on every draw means "you never finished the framing" dies in ten seconds. The record protects you as much as it protects them.
Trust closes jobs. Obra makes it structural.
Every homeowner at every kitchen table is quietly wondering if they can trust you with their money. Take the question off the table entirely:
Escrow is the beginning. Your whole business runs here.
Built with our founding GC — a working general contractor running residential and commercial jobs. The ops layer, rolling out with founding builders — under one rule everywhere: your phone only buzzes for work and money. Everything else waits for the 7 AM digest.
Quiet hours & the morning digest
Your phone goes silent at your cutoff. Overnight, AI merges the duplicate complaints, ranks what's real, and hands you one 7 AM digest — a suggested action on every item. Dinner comes back.
Schedules that build themselves
Start from a template or let AI draft one from your scope notes. When day three goes sideways, one change reflows every downstream date — and everyone sees it without a single phone call.
Estimates in minutes, not evenings
Drop the plans, pick how aggressive, get a draft to edit. The five-hour Friday-night estimate set becomes five minutes — and the follow-up nudge fires the next morning so the job doesn't go to whoever called back first.
Know the customer before you bid
Two-way ratings. See the last GC's review of the homeowner before you price the job — and your clean record travels with you to win the nervous ones.
The privacy wall
Your subs, supplier pricing and margin are yours. The homeowner sees progress and protection — never your book.
Post a job. Get a job.
Post a scoped package and verified subs answer with a price, dates, and an Obra Score — real history, not a stranger’s promise. Award by lunch; their docs are already on file, so they’re on the job in one tap. Who committed to what stays on the record.
Obra Advance ROADMAP
Submitted a verified draw? Partner capital can advance most of it same-hour, settled automatically when it releases. Your receivable is escrow-backed and evidence-verified — the safest paper in construction, priced like it.
Pay subs from the draw ROADMAP
Split a release straight to your subs, with waivers collected down the chain automatically. No float on their payroll, no "did you pay the drywaller" call from the homeowner.
Materials paid direct ROADMAP
Cabinet, slab, and truss deposits release from escrow straight to the supplier against the invoice. You stop fronting a showroom's worth of inventory on your card.
Bids that close themselves ROADMAP
Send proposals with the draw schedule and escrow protection built in. The homeowner e-signs, funds, and your bid becomes a live project — pipeline to paycheck in one thread.
Your work, your portfolio
Every verified build is already a photo-documented case study. Final draw triggers a review request — proof from the last job sells the next one.
The Obra Score ROADMAP
On-time draws, clean waivers, low disputes — a track record that wins nervous clients and unlocks better advance pricing. Your reliability finally has a number.
Documentation, prompts, and receipts run in English or Spanish, whichever each crew member picks. The evidence reads the same in both.
Asked from every truck.
Doesn't homeowner approval just slow my money down?
The opposite. Homeowners get pinged the moment you submit, most approve the same day, and auto-reminders chase them so you don't have to. Typical submission-to-release is under 24 hours — against an industry average of 74 days. And unlike an invoice, the money's already committed in escrow. It can't "be in the mail."
What if the homeowner ghosts or won't approve good work?
Reminders escalate automatically. If a draw sits, the dispute process opens with your evidence on the table — timestamped video is hard to argue with. Funds are committed in escrow and can't be yanked back on a whim; a defined resolution path decides, not their mood.
What about change orders?
Propose the change in-app with the price. The homeowner taps approve, the schedule and escrow adjust, and the "while we're at it" work is documented and funded like everything else — instead of becoming the unpaid gray zone at the end of the job.
What does it cost me?
Your draws arrive whole — no percentage skimmed, no processing cut. The homeowner's 1% protection fee funds the escrow rail. You pay one monthly subscription that runs your whole business — schedule, draws, waivers, evidence — from $299, with tools you switch on as the need shows up. Founding builders on the Wasatch Front get founder pricing locked in.
Does the homeowner see what I pay my subs?
No — and they never will. The draw pays you, period. Waivers prove the chain is covered without exposing a single number below the milestone. Your markups, your supplier deals, your margin: invisible by design.
Claim a founding builder spot.
Limited spots for Wasatch Front builders in the pilot. Founder pricing, first access to new features, and a co-branded trust pitch for your bids.