What Handle does

Handle, Inc. operates a construction finance platform that unifies lien rights, lien waivers, payments, and credit operations for the U.S. and Canadian construction supply chain. The company's core technical asset is a "Construction Data Graph" that connects project, party, payment, and compliance data across general contractors, subcontractors, suppliers, and sureties; the platform has processed more than $160B in invoices and financial workflows to date. Product modules cover the full finance back-office, from preliminary notice and lien waiver management to B2B payments and collections, and the system is designed to integrate with customers' existing ERP and accounting software. SOC 2 Type 2 certification supports enterprise procurement requirements.

The company sells to large enterprise customers via a direct field sales motion and serves a roster of named customers including Floor & Decor, Ferguson, ABC Supply, US LBM, The Home Depot, Cemex, Builders FirstSource, EquipmentShare, and Heidelberg Materials. Revenue is generated through a mix of SaaS subscriptions, transaction-based fees on payments flowing through the platform, and professional services, which combines predictable recurring revenue with monetization tied to payment volume.

Handle is headquartered in San Francisco, was incorporated in 2018, employs 51-100 people, and is backed by Y Combinator with cumulative funding above $46M including a $27M Series B closed in May 2026 with a strategic investment from WEX, following a $5M Amex Ventures-led round in 2024. The company is now positioning "AI for Construction Finance" as a forward product line built on top of the Construction Data Graph, spanning automation, knowledge retrieval, generative workflows, anomaly detection, and optimization.

Name

Handle

Legal name

Handle, Inc.

Website

https://handle.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Handle operates a construction finance platform that unifies lien rights, waivers, payments, and credit operations for contractors, subcontractors, and suppliers across the U.S. and Canada, processing $160B+ in invoice and payment workflows.

Ownership category

akta.pro rank

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Platform subscription (SaaS): Recurring SaaS fees for access to the Handle platform covering lien & notice management, waiver management, full service research, deadline management, job sheets, credit management and online payments; targeting enterprise material suppliers and equipment dealers with multi-entity, multi-state deployments.
2. Online payment processing fees: Revenue from payments processed through Handle's construction-native payment platform (ACH and credit card), with payments linked to waivers and lien rights in a single workflow.
3. Full Service Research and managed filing: Professional services revenue from Handle's Full Service Verification offering that combines triple-checked research, next-day filings, and dedicated lien specialists and account managers to manage compliance end-to-end for the customer.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Handle provides an enterprise-grade, construction-native software platform that unifies lien and notice management, automated waiver exchange, deadline and statutory compliance, and online payments on top of a proprietary Construction Data Graph. The platform is sold primarily to large construction material suppliers, equipment dealers and subcontractors to protect payment rights, automate compliance across all 50 U.S. states plus Canada, and accelerate cash flow through integrated credit operations.

Product overview

Handle is a single, enterprise-grade construction finance platform — not a collection of point tools — that combines six core product modules (Lien & Notice Management, Waiver Management, Full Service Research/Verification, Automatic Deadlines, Job Sheets, and the Construction-Native Online Payments platform) with a Credit Management workflow layer, all sitting on top of Handle's proprietary Construction Data Graph. The platform unifies lien rights, waivers, payments, receivables, compliance, and collections workflows into one connected system purpose-built for the way construction financial workflows operate (invoices tied to projects, waivers tied to payments, state-specific compliance rules, retainage, and multi-party approvals). Adjacent services such as Handle Academy, 1-on-1 coaching, and guided implementation extend the platform with onboarding and enablement for enterprise credit teams.

Differentiator

Problem solved

Functional benefit

Products and services

• The Handle Platform Enterprise-grade construction finance platform that unifies lien rights, waivers, payments, and credit operations on top of Handle's proprietary Construction Data Graph, with real-time intelligence, compliance automation, and state-by-state rules across all 50 states and Canada.
• Lien & Notice Management Outsourced lien and notice workflow with triple-checked research, expert-managed filing, next-day eRecording and courier filings, state-specific templates, and dedicated account managers, covering preliminary notices, mechanics liens, and waiver protection safeguards.
• Waiver Management Waiver Portal that lets subcontractors request, sign, and exchange waivers in under 60 seconds, with automated payment calculations, built-in waiver protection safeguards, custom waiver templates, and mobile-friendly signing.
• Full Service Research (Full Service Verification) Combined triple-checked research, next-day filings, and expert oversight delivered as an integrated process; verifies property, owner, GC, and lender information, with real-time tracking and dedicated lien specialists.
• Automatic Deadlines (Deadline Management) Compliance engine that auto-applies each state's lien and notice rules across all 50 states plus Canada, monitors every lien and notice deadline, sends proactive alerts, and provides a centralized dashboard with audit-ready logs.
• Job Sheets Digital job sheets that replace paper/PDF forms; customers complete them from any device with no logins, automated reminders drive 40% same-day returns and 91% completion within 10 days, and responses sync into Handle for real-time visibility.
• Online Payments (Construction-Native Payment Platform) Payment suite built exclusively for construction that links every payment to its waiver, lien, and deadline for full traceability; includes Automated Cash App, Deduction Identification, Trade Credit Memos, Pre-Pay Invoices, and a contractor-facing payment portal.
• Construction Data Graph Proprietary unified data layer behind the entire Handle platform that transforms fragmented construction data (invoices, projects, payments, documents, relationships) into a connected graph powering automation, compliance, payments, and AI-driven financial intelligence; the company reports more than $160B+ in construction invoices and financial workflows on the platform.
• Full Service Filing & Dedicated Lien Specialists Professional services offering that combines triple-checked research, next-day filings, and dedicated lien specialists and account managers to manage compliance end-to-end for the customer.

Quantifiable outcome

• More than $160B+ in construction invoices and financial workflows flowing across the Handle platform
• +5 more outcomes

Named customers41 records

Segments8 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability8 records

Feature10 records

Partnerships

Two partnerships are on record, tiered core.

• ERP integrations (e.g., VisionLink)coreTechnology or IntegrationHandle integrates with any customer ERP via standard export files, API credentials, or read-only/scoped access, including equipment-specific systems such as VisionLink; most customers can go live in 4-8 weeks including large multi-entity environments.
• Trust handle.com (security and compliance portal)coreTechnology or IntegrationHandle publishes its security controls (16 infrastructure, 10 organizational, 5 product, 18 internal security procedures, and 9 data/privacy controls) on trust.handle.com, supporting SOC 2 Type 1 and Type 2 audits, vulnerability disclosure, and bug bounty submissions.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Levelset (acquired by Procore): Was the leading lien rights, notice, and waiver management platform for construction before its acquisition by Procore. Direct overlap with Handle's lien/notice/waiver/deadline modules — now embedded inside Procore's payments and project suite.
• Procore Technologies: Public construction management platform serving owners, GCs, and specialty contractors with project management, financials, and a payments offering. Highly comparable as the broadest system-of-record competitor in construction; Handle competes by sitting on top of ERP/Procore installations for lien, waiver, and credit workflows.
• Rabbet: Construction-focused financial platform that connects invoices, lien waivers, and payments between GCs, lenders, and subcontractors. Direct competitor in the construction-native payments + lien/waiver workflow category Handle serves.
• Foundation Software: Construction-specific accounting, payroll, and project management software for contractors and subcontractors. Comparable vertical ERP and financials competitor that overlaps with Handle's credit and compliance workflows.
• Textura (Oracle Construction & Engineering): Oracle-owned construction payment management platform historically focused on lien waivers, compliance, and draw/payment workflows. Direct competitor for the payments + compliance layer Handle sells to large suppliers and GCs.
• CMiC: Construction ERP and financials platform covering project management, accounting, payroll, and payment workflows for GCs, subs, and owners. Comparable as a platform Handle integrates against and partially competes with for the financial system of record in construction.

Emerging players

• BILL Holdings: Public SMB-focused AP/AR and payments platform with growing exposure to vertical use cases including construction suppliers. Comparable as a payments + AR automation peer expanding into industry-specific workflows similar to Handle's.
• Gordian (construction procurement & payments): Construction procurement, project cost data, and job order contracting platform. Adjacent peer operating in construction financial workflows with overlap into payment and compliance processes for owners and suppliers.

Broad incumbents

• Sage Construction & Real Estate: Sage 100 Contractor and Sage 300 Construction & Real Estate are widely used construction accounting/ERP suites. Broad incumbent competitor for financial workflows that could expand into compliance and payments.
• Viewpoint (Trimble Construction): Construction ERP suite (Vista, Spectrum) owned by Trimble serving contractors with accounting, project management, and compliance. Broad incumbent that Handle integrates against and competes with for the financial system of record.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/HandleUS
• Facebookfacebook.com/HandleUS
• LinkedInlinkedin.com/company/handlecorporation

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds5 records

Investors19 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Handle