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Construction finance, from field to ledger.

Five tracks, 25 short lessons. Each one explains an idea, sends you to a real calculator, explainer or template to try it, then checks your understanding with three quick questions.

Start lesson 1 See the tracksWatch product walkthroughsCourse: run your first project

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Pick your seat or your problem.

Each path is a short sequence from this library: watch it, see it explained, take the template, practise it in the course, then try it on the sample project.

By role
By problem

The route map

Every track starts in the field and ends in the ledger. Each station is a lesson. Finish one and it fills in.

Five tracks

  1. 0 of 5 lessons done

    How a contract turns into cash: the schedule of values, the AIA G702/G703 pay app, retainage, lien waivers and the timing of money in.

    1. The schedule of values
    2. The G702/G703 pay app
    3. Retainage, held and released
    4. Lien waivers
    5. When the cash actually arrives
  2. 0 of 5 lessons done

    Know where a job is going before it gets there: cost codes, commitments, labor burden, cost-to-complete, estimate at completion and fade.

    1. Cost codes: giving every dollar an address
    2. Commitments: cost you already owe
    3. Labor burden: the real hourly cost
    4. Cost-to-complete and EAC
    5. Margin fade
  3. 0 of 5 lessons done

    Read the WIP schedule like a CFO: cost-to-cost percent complete, earned revenue, over and under billing, and what your surety sees.

    1. Cost-to-cost percent complete
    2. Earned revenue
    3. Over and under billing
    4. The WIP schedule
    5. What sureties and lenders see
  4. 0 of 5 lessons done

    From a hidden condition in the field to a signed, priced, billed change: change events, PCOs, change orders, pricing and markup vs margin.

    1. Change events: log it before you know the price
    2. From PCO to executed change order
    3. Pricing a change order
    4. Markup vs margin
    5. Closing the loop: budget, commitment, bill
  5. 0 of 5 lessons done

    Why re-keyed data breaks the numbers above, and how a single data core, agents with human approvals and a careful migration fix it.

    1. One change, how many systems?
    2. How connected is your stack?
    3. Agents that work, people who approve
    4. Approval rules and the audit trail
    5. Moving onto one system

How each lesson works

  1. 01 · Read

    A short, plain-English explanation of one idea, with the sample Riverside Medical Center job where numbers help.

  2. 02 · Do it

    One specific task in a free calculator, explainer or template, so the idea sticks to a real number.

  3. 03 · Check

    Three multiple-choice questions with instant feedback. Get all three right and the station fills in.

Educational content, not accounting or legal advice. Contracts, state law and your CPA decide the specifics. Sample numbers are illustrative.

The project and financial records behind these numbers are live in os.construction. Get product updates, or start a free trial.

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