82% of contractors wait 30+ days for payment. Not with PHOCIS. The moment a lender or owner funds your job, your draw lives in a Wells Fargo sub-account under your EIN. Submit the draw, get paid that day. We back it with a written on-time SLA.
The cash to pay you exists. It's just sitting in an escrow account someone else controls, waiting for a wire someone else has to initiate, slowed by reconciliation someone else has to finish. PHOCIS removes "someone else" from every step.
Every approved draw clears the same business day. Here's the four steps between you and the money.
The capital partner (lender, owner, or family office) deposits the construction reserve into a Wells Fargo sub-account dedicated to your project.
Mobile-first. Photo of the completed work, lien waiver capture, dollar amount, line-item description. Two minutes on your phone.
PHOCIS verifies lien waivers, schedule alignment, and budget remaining. Capital partner approves with one tap.
ACH, FedNow, or RTP into your account before the next morning's coffee. Receipt + audit trail attached automatically.
82% of contractors wait 30+ days under legacy escrow. Under PHOCIS, the funds are already sub-accounted to your job the moment the capital partner funds it. Once a draw clears compliance and lien-waiver review, payment is released same-day — or we make it right.
"My subs used to wait two-plus weeks on every draw. With PHOCIS, approved draws clear the same day — every time. That alone changed how my crews show up on Monday."
"I stopped fronting payroll out of my own line of credit. The draw clears before I close my truck door at the end of the day."
"No more chasing the lender's escrow officer for status. I see the funds reserved for my job in real time. That's the whole game."
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