Everything the standoff needed.
The money, the proof, and the paperwork of a residential build — in one place both sides can see. Here's the full toolbox.
Licensed Utah escrow
Funds held in FDIC-insured accounts by a licensed Utah title & escrow company — never by Obra, never by the contractor.
Same-day ACH releases
Approval puts the draw on the escrow officer's dashboard for one-click release. Money lands the same day.
The shared ledger
Total, in-escrow, released, and up-next — one set of numbers, visible to both sides for the life of the project.
Flat-fee pricing
One project fee set at funding, like a closing cost. No percentage of the build, no skim off anyone's draw.
Photo & video capture
Milestone evidence shot in-app by the crew — including video walkthroughs — attached straight to the draw.
GPS site-match
Every capture is location-verified against the project address. The proof is from your jobsite, provably.
Timestamps & identity
Who shot it, when, on which draw — logged automatically. Contractor licenses verified at setup and shown on every draw.
The permanent archive
The entire visual history of the build, kept for insurance, resale, warranty, or memory lane.
Vision verification
Every draw's photos and video are checked against the milestone scope before review — duplicates, staging, and metadata anomalies flagged automatically.
Contract → draw schedule
Upload the bid or contract and AI proposes the milestone breakdown and amounts. Review, adjust, e-sign.
Plain-language draw briefs
AI writes what was done and what to eyeball — in English or Spanish — so reviewing a draw takes a minute, not an evening.
The officer's pre-check
An automated audit — completeness, GPS and timestamp integrity, waiver attached — behind every one-click release.
Draw schedule builder
Turn a contract into milestones with amounts that must add up to the total. Both sides e-sign before anything funds.
One-tap approval
Homeowners review evidence and approve from anywhere in about a minute. Instant notifications, automatic reminders.
Change orders
Scope changes proposed, priced, and approved in-app. The schedule and escrow adjust; the gray zone disappears.
The dispute pause
A contested draw freezes funds in escrow, opens a five-day review window, then a defined resolution path. No shouting matches.
Automatic lien waivers
Conditional waivers attach to every draw; the unconditional final waiver closes the job with a clean title.
E-signatures
Draw schedules, change orders, and waivers signed in-app by both sides — legally, and without a printer.
Receipts for everything
Every release generates receipts to all three parties — homeowner, contractor, escrow officer — with the evidence linked.
Bilingual end to end
English and Spanish across capture, prompts, and receipts. The jobsite's both languages, spoken natively.
Obra vs. the old ways.
| Obra | Checks & handshakes | Generic escrow service | |
|---|---|---|---|
| Funds held by licensed escrow | ✓ | — | ✓ |
| Built for construction draws | ✓ | — | — |
| Photo & video milestone proof | ✓ | — | — |
| Homeowner one-tap approval | ✓ | — | — |
| Same-day release on approval | ✓ | — | — |
| Automatic lien waivers | ✓ | — | — |
| Change orders & dispute pause | ✓ | — | — |
| What it costs | FLAT FEE | "FREE" UNTIL IT ISN'T | % OR HOURLY |
Where this goes next.
Obra Advance SOON
Same-hour advances on verified, escrow-backed draws through partner capital — settled automatically at release.
Subcontractor draw splits SOON
Releases that pay subs directly, with waivers collected down the chain automatically.
Supplier-direct material draws SOON
Cabinet and slab deposits released from escrow straight to the supplier against the invoice.
Bids & proposals SOON
Send a proposal with the draw schedule built in; e-sign converts it into a funded project.
Lender & loan integration SOON
Renovation loans and construction draws funding escrow directly, riding the same evidence rails.
The Obra Score SOON
A verified track record for contractors — on-time draws, clean waivers, low disputes — that wins bids and prices capital.
See the whole thing on a demo build.
Fifteen minutes, your numbers, a live draw schedule.