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 segregated Wells Fargo sub-account. Submit the draw, get paid that day. We back it with a written on-time SLA.
Contractors, in 15 seconds
Sound on. No chasing checks. No "the wire is coming." Submit the draw with the photo and lien waiver, get the same-day SLA-backed release.
More than escrow.
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.
How contractor draws work
Your client funds the contract account before work starts. The moment the job is complete and the lien release is signed, the draw is yours to pull from your sub-account.
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."
The difference
Same work. The money just shows up when you finish — not months later.
Every sector gets a different demo. Pick the one that fits.
Open your account in under 5 minutes →Soon, contractors on PHOCIS Tech © will convert released draws into USDC and send them to any wallet, any time. Wallet-to-wallet transfers are free — a small fee applies only to cash-to-crypto conversion.
Conversion rates, fees, and terms may change at any time — up or down — in line with the federal funds rate and market conditions. Cash-to-crypto conversion carries a transaction fee and is subject to eligibility, identity verification, and availability. Digital assets are not FDIC-insured and may lose value. Not financial advice.
How draws are funded, held, released, and paid — on one page. Tell us where to send it.
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