THE AI FINANCIAL OS FOR SUBCONTRACTORS

The one-stop financial AI OS for subcontractors

Everything you need to run a profitable construction business, in one place. Compliance, capital, spend and a financial agent that keeps your books, job costs and WIP current.

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Connect in one click · Bills in, no typing · Books closed in days, not weeks

Cru dashboard product screenshot
The General Contractors you bid for are already using Constrafor
Join 78,000+ subcontractors in the Constrafor network
$2B+
Invoices funded with Early Pay
10K+
Invoices paid early
48 hrs
From GC approval to payment
5,500
GCs, specialty subs & developers

Everything you need to run the business side of construction

BILLS AGENT
One bill. Many jobs. No typing.
Bills, receipts and pay apps pulled in from email and GC portals. Every line, SKU and dollar split and coded to the right job and cost code.
COMPLIANCE
Stay compliant with every GC, on every job
Prequal, COIs and lien waivers tracked for every GC and every job. Your GCs already use Constrafor to collect them.
CRU CARD · POWERED BY RAMP
The card that pays you back and does the bookkeeping
Every jobsite swipe tagged to the right job and cost code, receipt attached and synced to your ERP. Up to 1.5% cashback.
JOB COSTING & WIP
WIP builds itself
Every bill split and coded to the right job and cost code. Contract, change orders, billing and earned revenue kept in sync. No spreadsheet.
EARLY PAY
Get paid in 48 hours, not on your GC's payment cycle
Approved invoices paid within 48 hours of GC approval. Over $2B funded and 10,000+ invoices paid early. Funded by Constrafor, not a bank loan.
LEANER OVERHEAD
Bids that win
When the back office runs on Cru, outside bookkeeping and admin hours stop padding your bids. Leaner subs win the job.
How Cru works

The AI Financial OS built for subcontractors

Connect your accounts in one click. Cru pulls in every bill, matches every transaction and keeps your books current. You approve, Cru posts it to your ERP.

Step 1

Ingest

Bills, receipts, bank feeds and pay apps flow in from email, GC portals, bank and payroll. Ledger data captured, no typing.

Step 2

Extract & code

Every line split and coded to the right job and cost code. One bill, many jobs.

Step 3

Reconcile

Bank and card activity matched for you. Every bank rec comes to zero.

Step 4

Reporting

Balance sheet balanced, books closed and your WIP schedule current, job by job.

Step 5

Analyze

Cash flow, DSO, margins and over-billing watched for you, and flagged weeks early.

Step 6

Act

Agents follow up on COIs and late GC payments. You approve, Cru posts it to your ERP.

Hear from our customers

Customer stories

“Cru has really changed the way we handle expenses and quotes. It automatically flags unit price differences between quotes and bills, helping us catch things we would’ve missed before - and it’s already saved us money. Plus, it’s taken hours of work off my plate.”

CFO
Drywall Subcontractor
Essential

85%

of Cru customers use Cru daily

Trusted

91%

of Cru customers would recommend Cru to other subcontractor owners.

Customer stories

“We used to spend hours manually entering everything into our bookkeeping software. Cru now pulls invoices from email and instantly shows cashflow and job profitability. It’s a big win for us.”

Accountant
Electrical Subcontractor
*Based on customer feedback Results may vary by company.
What is Cru?

Cru is the one-stop financial AI OS for construction subcontractors. It brings compliance (prequal, COIs and lien waivers), capital (Early Pay), spend (the Cru Card, powered by Ramp) and a financial agent that codes your bills, reconciles your bank and keeps your books, job costs and WIP current, all in one place.

How is Cru different from QuickBooks or a regular bookkeeper?

General tools like QuickBooks don't understand retainage, job costing, WIP, COIs, or GC billing platforms like Textura. Cru is built specifically for subcontractor workflows, connects to your existing tools in one click, and does the work itself: you approve, Cru posts it to your ERP.

How long does it take to set up Cru?

Most subcontractors are live the same day. You connect your bank, email, and accounting system (like QuickBooks, Sage, or Foundation), and your first agent starts working immediately.

Is my financial data safe with Cru?

Yes. All integrations are read-only and bank-level encrypted, Cru is SOC 2 certified, and every agent action is reviewed and approved by your team before it's final, nothing runs unsupervised.

Does Cru replace my bookkeeper or accountant?

No. Cru is built to complement your existing team, not replace them. It takes over repetitive data entry and reconciliation so your bookkeeper or CPA can focus on higher-value review and advisory work.

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GROW YOUR BUSINESS, NOT YOUR BACK OFFICE

Book your demo today

See how Cru closes your books, keeps your WIP current and flags cash trouble weeks early, so your team can get back to building.

Cru syncs with your ERP and the GC tools you already use

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Book a 30-minute demo

Bring a recent bill or pay app. We'll connect sample data and show you how Cru codes it, matches it and flags what matters, live on the call.

30 minutes, no slides — just the product
See your own workflows automated
No commitment · no long-term contracts
Start with a 1-month free trial