BuildFi — Sub-Payment Acceleration for MENA Construction

You Build. We Pay. We Collect.

BuildFi is sub-payment acceleration for MENA construction — instant cash to subcontractors against their certified progress claims, with collection from the general contractor on the contractual due date.

The GCC is in the middle of a $1.5T construction super-cycle — Vision 2030, NEOM, D33. The subcontractors doing the actual building wait 120–270 days for cash they have already earned. Pay-when-paid clauses, supplier credit pull-back and bank balance-sheet criteria all conspire against them.

We close the timing gap. We pay the sub now against the certified IPC. We collect from the GC on the original due date. We underwrite the GC and the project, not the SME balance sheet — structured as a Sharia-compatible Tawarruq cash facility paired with a Hawala assignment of the GC payment right.

See how it works → Read the thesis

P / 01 — FLAGSHIP ● PHASE 1 · GO-LIVE TARGET 2026

SUB-PAYMENT ADVANCE

Certified IPC
$250K

Cash to sub
24–72h$200K

Sub-Payment Facility.

Sharia-compatible Tawarruq cash facility paired with a Hawala assignment of the GC payment right. We pay the sub against the certified IPC; the GC pays BuildFi on the original due date.

Ticket size$50K — $750K

Tenor60–150 days

StructureTawarruq + Hawala · AAOIFI Std 30 + 7

Advance ratio75–90% of certified IPC

P / 02 — GC EMBEDDED PHASE 2 · Month 9–18

GC-EMBEDDED ACCELERATION

Sub paid
by BuildFi24–72h

GC settles
BuildFi150 days

GC-Embedded Payment Acceleration.

A white-labelled product where major main contractors offer their own subcontractors instant payment via BuildFi, in exchange for an extended (e.g., 150-day) settlement to BuildFi. Working-capital cycle improves; subs are happier; we earn the spread. Unlocked at FSRA Cat 3C.

ForTier-1 GCs · MOU partners

TriggerGC certifies sub IPC

Licence req.ADGM FSRA Cat 3C

CollectionControlled Collection Acct.

P / 03 — PLATFORM PHASE 2+ · EMBEDDED API

BUILDFI API

POST /v1/advances
  "subcontractor_id": "SUB_9042"
  "general_contractor": "GC_TIER1"
  "certified_ipc": 920000
  → TIER A · 24–72H

Embedded Credit API.

BuildFi's underwriting and Sub-Payment Facility rails as an API for construction ERPs and project-management platforms. Surface BuildFi-funded payment to subs at the moment of certification — without rebuilding the credit stack.

IntegrationREST API + webhook SDK

Decision SLA24–72h target

SettlementDirect to sub bank account

Risk100% borne by BuildFi

You Build. We Pay. We Collect.

A trillion-dollar super-cycle built on broken payment terms.

Capital flows to the supplier, never the SME.

Upload the certified IPC and your GC.

The Alternative Data Engine scores the GC and the project, not you.

Cash to your bank account. 24–72 hours.

GC pays into a Controlled Collection Account.

A super-cycle, measured.

One pool of capital. Three rails into the market.

Sub-Payment Facility.

GC-Embedded Payment Acceleration.

Embedded Credit API.

We underwrite the project, not the SME.

The deal secures the credit. The data makes the deal legible.

Eight pillars. One court-tested stack.

GC payment undertaking.

Hawala assignment.

Tawarruq cash facility.

Controlled Collection Acct.

Post-Dated Security Cheques.

Bankruptcy-remote SPV.

Sharia Advisory Board.

First-Loss Guarantee.

Four phases. One jurisdiction. Zero migrations.

Two fee pools. One pool of capital.

Revenue is the retained fee on each deal — not originated volume. Originated volume passes through the SPV.

Two doors. One trade.

Join the founding cohort. Cash against your certified IPC in 24–72 hours at go-live.

Asset-backed exposure to the MENA build-out.