MX™ Build – Construction Finance Automation Platform

Streamline Your Construction Finances

Optimize Project Management with Advanced Automation Tools

MX™ Build is a construction-centric finance automation platform for general contractors, subcontractors, and service providers in commercial and residential construction. MX™ Build was designed to streamline and enhance financial management for construction businesses by offering robust payment options and banking infrastructure.

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Common Challenges in Construction Finance

Many construction firms operate in fast-paced environments but rely on outdated or disjointed tools to manage complex financial operations. Manual AP and AR workflows don’t just slow down payment cycles, they can also lead to costly errors. Without construction AP automation or purpose-built construction accounts payable software, teams can struggle with bottlenecks and limited control over approvals and payments.

Budgeting becomes more difficult without real-time visibility into expenses as well. The absence of reliable project cost tracking software often leaves teams vulnerable to overruns. Fragmented data systems can also make collaboration difficult and isolate stakeholders from vital financial information – resulting in inefficiencies that directly impact project outcomes.

A construction business may also face growing regulatory and compliance demands. Many organizations still rely on generic solutions for accounts receivable, which aren’t optimized for the field. Without specialized construction accounts receivable software, critical follow-ups are delayed and cash flow suffers.

Lack of integration between financial reporting and project management increases exposure across multiple jobsites. Forecasting is hindered, cash flow becomes unpredictable, and decision-makers lose visibility into how individual jobs affect the company’s bottom line. Project-based billing is complex — and without flexible billing tools, firms risk chronic delays and revenue disruptions.

Modernizing Finance to Keep Up with the Jobsite

From underutilized staff to lost revenue opportunities, the limitations of generic tools are real. Even widely used construction accounting software often lacks job-level functionality or mobile accessibility. To compete in the modern construction industry, companies require purpose-built systems that support project-based accounting for construction, centralized data, and real-time insights across every project, vendor, and crew.

That’s why more firms are investing in construction finance automation – not just to modernize accounts payable and receivable, but to transform how data flows across departments and stakeholders. Combined with smart alerts and tighter controls, automation becomes a key driver of long-term financial stability.

The best construction accounting software helps teams move from reactive reporting to strategic insight. It supports compliance requirements, tightens budget controls, and delivers clearer forecasts across project timelines.

At the heart of all of this is construction cash flow management. Without tight oversight of inflows and outflows tied to each phase of a job, even profitable firms can face disruption. Modern platforms offer visibility, automation, and control – all of which are critical for maintaining momentum and financial stability.

Who MX™ Build Is For

MX™ Build was designed for the diverse needs of the construction industry, offering scalability and control across specialties and firm sizes. General contractors managing complex builds across multiple sites benefit from centralized oversight and streamlined financial coordination.

Specialty subcontractors – like roofing, electrical, and concrete teams – gain real-time visibility into budgets and spend, helping them balance costs and performance across projects. Residential builders appreciate tighter control over job-level profitability, especially where margins are thin and timelines are short.

Construction-related service providers – including HVAC and plumbing contractors – can use MX™ Build to track job-specific transactions and gain control over cash flow as they manage multiple client accounts.

Both growing startups and enterprise-level construction firms can benefit. Smaller companies use MX™ Build to replace spreadsheets and disconnected tools, while large organizations gain scalability and governance for multi-entity workflows.

Construction management teams benefit from unified reporting and audit trails that help them track KPIs across vendors, timelines, and budget segments. MX™ Build empowers every construction company to operate with greater accuracy, speed, and clarity.

Built on Trusted Banking Infrastructure

MX™ Build is built on the banking infrastructure of District Bankcard, a trusted platform designed for security, compliance, and financial reliability. For construction companies managing dozens of simultaneous payments, this foundation matters.

Real-time financial visibility supports smarter decisions, while automated compliance checks reduce regulatory risks. MX™ Build helps teams maintain control over high-volume transactions without sacrificing uptime or reliability.

Built-in tools support secure construction payment processing at scale, giving teams confidence that approvals, transfers, and reconciliations run smoothly. Designed to serve the intensity of construction finance operations, the platform offers the resilience and stability teams rely on when projects – and reputations – are on the line.

First-Class Features

  • Mitigate financial risks
  • Gain automated compliance
  • Simplify stakeholder collaboration
  • Achieve increased banking visibility

How MX™ Build Works

MX™ Build simplifies day-to-day finance operations across every phase of the construction project lifecycle. Onboarding begins with entering project details, vendors, and budgets into the platform, aligning financial activities with operational priorities.

Financial data is organized around jobs using structured construction accounting, helping users manage job-specific cash flow, costs, and timelines. Syncing allows MX™ Build to work alongside existing accounting and banking systems without requiring major overhauls.

Smart Pay automation accelerates accounts payable workflows. AR tracking tools keep tabs on invoices, receipts, and payment status. Teams can also use Build Cards to simplify construction expense management by linking purchases directly to jobs.

Interactive dashboards support financial reporting and forecasting. Users can track profitability and project costs in real time. Automated compliance tools – such as lien waiver status tracking – help reduce paperwork and lighten the administrative load.

The result: accurate, up-to-date financial data that empowers better decisions and reduces strain on office teams.

How MX™ Build Helps You Grow

By automating core financial functions and offering real-time visibility into every construction project, MX™ Build helps businesses unlock new growth. Faster payment cycles support improved liquidity, while fewer errors and missed deadlines help safeguard margins.

With tools to track spending across vendors, crews, and jobsites, construction management teams gain deeper insights into operational performance. Project profitability becomes easier to measure, and financial management becomes more strategic – especially when juggling multiple timelines and client demands.

By removing manual tasks and simplifying compliance, the platform frees up resources to focus on revenue-driving activities. Automated alerts and workflows help teams respond faster, build stronger vendor relationships, and strengthen trust with every construction partner. Better coordination across departments leads to smoother execution and more predictable outcomes.

Built-in financial reporting tools help teams model growth, prepare for audits, and plan with greater confidence – no matter the firm’s size or specialty. As firms scale, MX™ Build adapts with them, supporting evolving needs and reducing the friction that often comes with expansion.

With MX™ Build, You Gain:

  • Project Profitability: A detailed report that helps you focus solely on the projects that drive profit.
  • Smart Pay: Automate AP payments (check, ACH, virtual card) with built-in compliance.
  • MX™ Build Card: A purchase card for construction projects that simplifies expense tracking and offers 30-day credit terms (subject to approval).
  • Project Accounts: Detailed financial tracking for construction projects, ensuring accurate budgets and real-time cost visibility.
  • AR Platform: Automates payment tracking and collection, boosting cash flow and reducing admin work.
  • AP Automation: Streamlines accounts payable with automated invoice capture, approvals, and payments.
  • AI Transaction Classification: Automatically categorizes transactions by project and category.

FAQ: Common Questions About MX™ Build

What types of payments can MX™ Build automate?
MX™ Build supports automation for check, ACH, and virtual card payments – eliminating manual processing and helping teams move faster from invoice approval to disbursement. This flexibility allows construction firms to meet varying vendor preferences, reduce payment delays, and maintain stronger relationships with subcontractors and suppliers across every stage of the project lifecycle.
How does MX™ Build support existing financial workflows?
The platform integrates seamlessly into your current financial processes by syncing with key project and accounting data. There’s no need to replace existing systems – MX™ Build works alongside them to enhance automation, improve accuracy, and reduce administrative burden. It’s designed to strengthen what’s already working, not disrupt it.
Is MX™ Build suitable for small and mid-sized construction firms?
Yes. MX™ Build is purpose-built for scalability, offering intuitive tools for small contractors, mid-sized construction firms, and growing teams alike. Smaller companies can streamline time-consuming tasks without adding headcount, while larger firms benefit from deeper insights, tighter controls, and easier collaboration across departments and jobsites.
How quickly can MX™ Build be implemented?
Implementation is quick and efficient. Most teams can complete setup and begin using the platform within days, not weeks. With guided onboarding and minimal IT lift, firms can upload project data, define workflows, and start automating payment and reporting functions almost immediately – without business interruption.
Can I monitor activity by project?
Yes. MX™ Build gives you a detailed, job-specific view into every financial transaction. You can track expenses, invoices, payments, and profitability by project, helping you stay on budget and avoid surprises. This level of visibility simplifies audit prep, supports better decision-making, and reduces reliance on spreadsheets or disconnected tools.