CO Cashflow Desk is a working-capital platform that uses AI to underwrite and accelerate change-order cash for mid-market GCs. Today, even approved COs often sit 60–120 days before money hits, squeezing GC and sub cashflow while banks struggle to assess risk on partial documentation. Cashflow Desk connects to Procore/Autodesk/ERP, reads contract terms, CO logs, backup, and payment history, then scores each CO’s collectability and timing. It offers selective CO-based advances (or insured payment guarantees) with clear fees, while giving CFOs dashboards on exposure by project, owner, and trade. - AI underwriting engine that uses patterns in approval cycles, owner behavior, and claim history instead of generic credit scores. - Project-level borrowing base that automatically adjusts as COs move from proposed to approved to billed/paid. - Scenario planning so CFOs see how slow approvals affect bond capacity and WIP cashflow. - Embedded financing offers surfaced directly in the PM’s CO workflow when a delay or dispute risk is detected.