Research-backed opportunity analysis

70% of Australian Builders Wait 30+ Days for Payment.

Progress claims are still done via Excel, email, and paper. Communication failures cause 52% of rework — $31.3B/year. Only 18% of contractors use anything beyond spreadsheets. The US has Built Technologies ($1.5B). Australia has nothing. I did the research. Now I need a co-founder who knows construction.

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Opportunity Score
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TAM (Australia)
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AU competitors
70% of builders wait 30+ days $31.3B annual rework cost Only 18% use apps beyond email 8% bid inflation from late pay 1.2M new homes needed by 2029 Built Technologies $1.5B valuation 70% of builders wait 30+ days $31.3B annual rework cost Only 18% use apps beyond email 8% bid inflation from late pay 1.2M new homes needed by 2029 Built Technologies $1.5B valuation
The Problem
Real people. Real frustration.
Real quotes from the trenches.
70% of Australian contractors experience payment delays beyond 30 days. This inflates bids by 8% as builders price in late-payment risk. Progress claims — the mechanism by which builders get paid — are still stuck in the stone age. These aren't my words. These are theirs.

"Only 18% use apps beyond email or spreadsheets."

Deloitte 2025 Construction Report

"Creating significant blind spots such as work reported late, progress unverified, and decisions made with incomplete information."

KYRO AI — Construction Intelligence

"Contractors complain about wasting half their day on estimates that may never lead to paying work."

Reddit r/construction

"Bookkeepers downloading 35 excels each month."

HN user on construction supply chain

"Procore priced as an enterprise tool" / "Buildertrend has no built-in system for issue escalation, RFIs, or formal document workflows."

Buildern Comparison Review
Global Proof
Someone already built this.
Just not for Australia.
Two US companies, two massive outcomes. The "construction payment automation" model is proven. It just hasn't been applied to Australian contracts and regulations yet.
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Built Technologies
United States · $1.5B valuation
Construction lending and finance platform. Automates draw requests, inspections, and payment disbursements for construction loans. Raised $315M+ proving that digitising construction payments is a massive, scalable business.
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Briq
United States · $150M valuation
AI-powered financial automation for construction — forecasting, budget tracking, invoice processing. Raised $38M proving that AI can tame the chaos of construction finance at scale.
The AU Gap
Why Australia doesn't have this yet
The opportunity persists for structural reasons that protect whoever enters first. Australian construction finance has regulatory complexity that US products can't address.

Security of Payment Act varies by state

NSW, VIC, QLD all have different SoP legislation with different claim timeframes, adjudication processes, and payment schedules. Building for this creates a genuine regulatory moat that US products can't cross.

Australian Standard contracts are unique

Progress claims follow AS 2124 and AS 4000 contracts with specific claim/response timeframes, retention rules, bank guarantees, and defect liability periods. US construction fintech doesn't understand head contracts and variations.

Procore is enterprise-priced, not built for residential

The dominant player targets large commercial projects. Volume residential builders — the ones building Australia's 1.2M needed homes — are underserved. There's no affordable, AU-specific solution for the builders who need it most.

ConTech investment is surging but nobody's built this

AU's share of global ConTech investment doubled from 5% to 11%. The money is flowing in. But nobody has built the progress claim + payment automation layer. The timing is perfect.

The Market
The numbers speak for themselves
Australia's construction sector is massive, underdigitised, and about to build 1.2 million homes. Every single one involves progress claims.
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Total Addressable Market
Conservative estimate
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New homes needed by 2029
National Housing Accord
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Annual rework cost (AU)
Communication failures
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Bid inflation from late pay
Industry average
21/25
Opportunity Score
Ranked #5 of all opportunities analysed

Revenue model: Per-project or monthly subscription to builders at $199-$499/month. 200 builders x $300/month = $720K ARR. Expansion into bank/lender integrations for per-transaction revenue on construction draws.

The Partnership
Two halves of the same company
Great companies are built by complementary founders. I have the technical side covered. I need someone who lives and breathes Australian construction.

What I Bring

The AI engineering, product, and infrastructure.

  • Full-stack AI engineer. Built 5+ production products from zero.
  • Deep experience with LLMs, document AI, OCR pipelines, and agent architectures for extracting data from contracts and photos.
  • Can build the contract parser, progress claim generator, and bank integration layer in weeks, not months.
  • Product design, infrastructure, deployment, and scale. The entire technical stack.
  • Already completed deep market research and competitive analysis across US, UK, and AU construction fintech.
Tech founder: covered

What I Need

The domain expertise, industry trust, and first clients.

  • Deep knowledge of construction payment flows: progress claims, variations, retention, defect liability, bank guarantees.
  • Understands Security of Payment Act across states. Knows AS 2124/4000 contracts inside out.
  • Has a network of builders, QS firms, or subcontractors who would pilot this. Can bring the first 10 clients.
  • Knows the pain firsthand. Has submitted progress claims, dealt with late payments, fought for retention releases.
  • Wants to build something massive, not consult on the side. Full co-founder commitment.
Domain founder: you?
The Deal
Let's explore this together. Clear division.

This is a co-founder search, not a job ad. I'm looking for someone who wants to own half of this company and build it together from day one.

You Bring

Construction domain expertise. Industry network. First 10 pilot builders. Ongoing product direction for AU compliance and contract accuracy.

I Bring

AI/full-stack engineering. Product design and build. Infrastructure and deployment. Market research already done.

Equity Split

We'll figure out the right structure together. What matters first is whether we're the right fit.

Funding Path

R&D Tax Incentive (43.5%), NSW MVP Ventures ($50K), Antler Australia ($260K), then Flying Fox / TEN13 / Blackbird seed round.

"The Security of Payment Act IS the moat. No US company will build for state-by-state SoP legislation, AS 2124, or AU retention rules. Whoever gets there first, wins."

The Roadmap
How we'd build it
Start with residential progress claims. Validate fast, expand methodically into commercial and bank integrations.
1
Week 1-2

Validate with 10 residential builders

Talk to volume builders (Metricon, Simonds, Rawson-type). Ask: "How do you currently submit progress claims? How long until you get paid? What does that delay cost you?" Lock in 3-5 pilot partners.

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Week 3-6

MVP: Contract upload + AI claim generation

Upload a building contract (HIA or Master Builders template) + site photos. AI extracts milestones, generates a progress claim with evidence attached, sends to client/bank for approval. State-aware SoP compliance built in.

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Month 2-3

Pilot with first 10-20 builders

Real-world validation across residential projects. Iterate on edge cases: variations, retention, defect liability. Apply for R&D Tax Incentive and NSW MVP Ventures.

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Month 4-6

Expand: Commercial subcontractors + bank integrations

Add commercial subcontractor payment claims, retention tracking, defect liability management. Connect to banks/lenders for construction draw disbursement. Target 200 builders. Approach Antler or Flying Fox for seed.

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Month 6-12

Scale: Multi-state SoP + lender network

Full coverage of NSW, VIC, QLD Security of Payment requirements. Bank/lender integrations for automated draw processing. Target Blackbird or Carthona for Series A path. $720K+ ARR target.

Let's Talk

If you know construction payments, have connections in the building industry, and want to co-found something massive, I'd like to hear from you.

This goes directly to my inbox. No mailing list, no spam. I'll respond personally within 24 hours.

Message sent

Thanks for reaching out. I'll get back to you within 24 hours. Looking forward to the conversation.