Lender draw package assembly
Pay app G702/G703 + lien waivers + sworn statements + photo evidence assembled into a single signed PDF. Per-lender format (Wells, Truist, PNC, Eastern, MUFG) supported out of the box.
For Owner / Real Estate CFOs
The capital stack, the draw schedule, and your covenants on one record.
Your lenders, your auditors, and your board all want the same numbers — but they live in your owner-rep's spreadsheets, the GC's pay app PDFs, and the title company's lien waiver tracker. AOS consolidates them onto one auditable record from the start.
Cap-ex vs. opex roll-up by entity
Cap interest accounting tied to draw cadence
Lender draw package one-click assembly
Live debt-service coverage on every 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, audit-ready, board-ready.
AOS gives owner-side finance teams the same live cost-and-billing record the GC is using — plus the lender-facing wrappers, capitalized interest engine, and covenant monitoring an owner CFO actually needs.
Capital stack ledger
Senior debt, mezz, preferred equity, common equity — each tranche with its own draw cadence, return waterfall, and reporting wrapper. Posts to your GL of choice.
Capitalized interest engine
Cap interest accrual tied to your draw cadence, applied per loan tranche, posted to the right account with full audit workings the auditor can re-perform.
Live covenant monitoring
DSCR, LTC, LTV, debt yield — calculated live off the same cost record. Forward-looking headroom analysis. Pre-month-end alerts when a covenant is tightening.
Lien waiver gating
No pay app gets approved without the matching unconditional waiver for the prior period. Title company's tracker and your AP record become one record.
Audit confirmation pack
Subcontract list, retention liability, lien releases, change-order log, draw history — one button, one PDF, every quarter. Your auditor gets the format they asked for.
1d
Typical draw assembly
100%
Of pay apps gated by matching lien waiver
0
Spreadsheets reconciling cost-to-draw — they share one record
SOC 2-aligned
Aligned controls; field-level audit trail; per-customer database
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 FAC variance, lease-up vs. proforma, capital-stack draw timing, and the 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 →
Live RFI/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.
Bring your auditor, your banker, and your board onto one record.
30-minute walkthrough on one of your active projects. We'll show you a live draw, a cap interest accrual, and a covenant readout — on real numbers.