
The Construction Finance Automation Platform
Partnering with Marlin Tech turns your cost center into a profit center
Cut costs, gain control, and earn cashback with MX Build
MX Build automates payments, streamlines expense management, and turns your AP into a revenue source—all with enhanced visibility into every dollar spent. Built on a robust payment and banking infrastructure, it simplifies your financial management.



Built for builders
A specialized financial management platform built to handle the specific needs of the construction industry that can help your construction company.
Theo by MX Build:
AI-Powered Virtual Accountant
Theo serves as a 24/7 virtual accountant, automating financial processes such as budget tracking, invoice management, and project expense oversight. This AI-driven tool ensures real-time financial management, reducing errors and saving time.
Estimates and Invoicing: Simplified Financial Transactions
MX Build enables the effortless creation of detailed estimates and proposals, along with streamlined invoice sending and payment
tracking—all within a single platform.
This integration accelerates payment cycles and minimizes errors.
SmartPay:
Secure and Compliant Payment Processing
SmartPay integrates compliance into payment processes by automating joint checks and lien waivers.
Funds are securely held in escrow until all conditions are met,
ensuring safe and controlled transactions.
MX Build Card:
Real-Time Expense Management
Designed specifically for the construction industry, the MX Build Card automates expense tracking and integrates seamlessly with accounting software. It provides real-time purchase management, whether for materials or labor, enhancing financial control. These services collectively empower construction companies to optimize financial operations, enhance compliance, and drive profitability.


MX Build offers a comprehensive financial management platform tailored for the construction industry, designed to streamline operations and enhance profitability. Below is a condensed overview of their key services:
Trade Partners
MX Build offers specialized financial management solutions tailored for subcontractors in the construction industry, focusing on automating payments, simplifying expense management, and transforming accounts payable into revenue streams. Below is a condensed overview of their key services
MX Build Card: Empowering Team Spending
The MX Build Card streamlines team expenditures by providing smart spending limits and easy balance management. Subcontractors can instantly fund virtual, physical, or project-specific field cards with a single click, ensuring responsible spending across projects
Real-Time Expense
Tracking
With instant notifications, MX Build enables subcontractors to monitor every dollar spent in real-time. This automation of expense tracking and reporting facilitates data-driven decisions, enhancing financial oversight and control.
AI-Powered Project Profitability Insights
MX Build's AI-driven transaction classification eliminates manual expense coding, providing real-time insights into project-level profitability. This precision allows subcontractors to identify areas of financial gain or concern promptly.
Transforming Payments into Profit Centers
By automating payments and embedding compliance, MX Build turns routine transactions into opportunities for profit. Their integrated payables process generates rebates and incentives from interchange and processing, effectively monetizing accounts payable activities.
General Contractors
These services collectively empower General Contractors to optimize financial operations, ensure compliance, and drive profitability.
MX Build offers a comprehensive financial automation platform specifically designed for General Contractors (GCs), aiming to streamline payment processes, enhance compliance, and improve financial transparency. Below is a condensed overview of their key services:


Accelerate Cash Flow with Enhanced Transparency
Understanding that cash is vital for GCs, MX Build's technology facilitates faster and more complete payments with reduced risk. This ensures that GCs maintain a healthy cash flow, crucial for sustaining and growing their businesses.

Automate Complex Settlements & Compliance
MX Build simplifies the management of intricate settlements by automating processes such as lien waivers, joint checks, and tri-party sign-offs. This automation streamlines sub-tier contractor compliance, reducing administrative burdens and mitigating risks associated with manual handling

Embedded Payments and Banking Infrastructure
Leveraging a robust payment and banking infrastructure, MX Build automates payment processes, seamlessly connecting back-office operations with fieldwork. This integration simplifies financial management and enhances operational efficiency

Transform Payments into Profit Centers
By automating the payables process, MX Build turns routine payments into revenue-generating opportunities. The system generates rebates and incentives from interchange and processing, effectively monetizing accounts payable activities and adding value to financial operations.
