Your draw process, systematized.
Stop managing draws in spreadsheets and email threads. Vektrum enforces your release conditions server-side, audits every disbursement, and gives you portfolio-level visibility.
Vektrum does not hold funds, act as escrow, or execute wires. For Stripe Connect deals, funds are held in Stripe-managed accounts. For institutional deals, your existing bank, title company, escrow company, or treasury executes payment. Vektrum enforces release conditions and records authorization proof.
What Vektrum does for funders: Before any disbursement is authorized, Vektrum evaluates 10 server-side conditions simultaneously — milestone approved, contract signed, lien waiver on file, change orders cleared, and more. Only when all pass does Vektrum issue an authorization signal. Your selected rail then executes. You keep your payment process. You add release enforcement.
10-condition release gate
Every disbursement passes 10 server-side checks simultaneously before funds move.
Portfolio dashboard
Deal-level release readiness, risk flags, and disbursement status across active projects.
Append-only, tamper-evident audit trail
Every approval, release, and status change recorded in an append-only, hash-chained log with timestamp and actor.
Dispute isolation
A $15K dispute locks one milestone. The other $8.98M keeps flowing on schedule.
How Vektrum works for funders
- 1
Contractor creates a deal with milestones and amounts.
- 2
You fund the deal. On Stripe Connect deals, funds are held in Stripe-managed accounts. On external-rail deals, funds are held by your institutional payment partner. Vektrum does not hold funds in either case.
- 3
As work completes, contractors submit draw requests with documentation.
- 4
You review and approve each milestone. The 10-condition gate enforces your rules.
- 5
Approved releases execute via Stripe Connect or — on institutional deals — via your own treasury rail (wire / ACH / check) with Vektrum recording authorization and confirmation. Full audit trail either way.
AI pre-review before the gate
AI checks completeness, conflicts, and risk before release readiness is evaluated. AI does not approve payment. The deterministic gate enforces conditions, the funder authorizes release, and the selected rail executes.
AI informs; the gate decides; the funder authorizes; the rail executes. See Why a $15K Construction Dispute Shouldn't Freeze a $9M Project for how condition-level isolation works in practice, or read the Security overview for audit-trail and access-control details.
Built for every construction capital structure
Vektrum works with your existing payment infrastructure — whether you run on Stripe Connect or your own institutional rail.
Private lenders & direct deals
Best for private lenders, fix-and-flip operators, construction bridge lenders, and direct lending funds who want automated disbursements without existing treasury infrastructure.
- Stripe Connect rail — automated payout to contractor after authorization
- 1% governance fee per authorized release, no retainer
- Contractor Stripe onboarding in minutes
- Full draw review, gate enforcement, and audit trail
Institutional rails & portfolio lenders
Best for construction loan servicers, credit funds, banks, title companies, and institutional investors with licensed payment infrastructure who want release-enforcement without changing their payment process.
- External/manual rail — Vektrum authorizes, your rail executes
- No Stripe required — wire, ACH, title disbursement, or check
- Partner API for programmatic confirmation by title/escrow systems
- Annual retainer for portfolio onboarding and dedicated support
Ready to systematize your draws?
Standalone: 1% per release, no annual retainer. Institutional portfolios get dedicated onboarding.