Breva

What Breva does

Breva® is an AI-powered construction financial operations platform purpose-built for subcontractors. The company, legally Cadence Financial Group, Inc. (Delaware) and founded in 2022, launched as Cadence Cash serving general underrepresented small businesses before pivoting and rebranding to focus exclusively on the construction subcontractor segment. Its core architecture, the Breva Loop™, is a continuous auditable workflow connecting Auto-Takeoffs (automated quantity extraction from plans) → Estimates & WBS (Work Breakdown Structure) → AIA-ready Schedule of Values (SOV) → Pay-App Autopilot™ (pre-checked pay app submission with math, retainage, change orders, lien waivers, and COIs validated) → WIP & Cash visibility (live 13-week rolling cash view). Adjacent products include Ask Bre™, an AI CFO agent reading real books, bank feeds, and pay-app status and backed by 24/7 human bookkeepers on every paid plan; Breva Score™, a continuously built bonding and lender-readiness score; and Embedded Bonding and Embedded Finance modules that apply for surety bonds and surface partner capital options from named lenders (TruFund Financial Services, Live Oak Bank, Quantum Lending) inside the workflow.

Breva serves three interlocking segments: subcontractors (primary, addressed through self-serve PLG with a Free tier and a tiered subscription ladder at $99/mo BUILD / $349/mo SCALE / $599/mo GROW, scaled by Annual Bill Through); GCs and project owners (sales-assisted, standardized pay app intake and real-time exception tracking); and lenders (policy-aware Breva Score™, exception-only workflows, and lender-pack generation). The company runs a hybrid go-to-market combining PLG self-serve onboarding (Start Free CTA at business.breva.ai/onboarding) with enterprise field sales (Book a Demo via Calendly) for GC/Owner and Lender stakeholders, and a partner/distribution motion in which four named GCs (Barr & Barr, H.J. Russell, Horus Construction Services, JCP Construction) endorse Breva to their subcontractor networks. Pricing is hybrid: low, predictable base subscription with usage/outcome-based add-ons when a pay app is submitted, a lender pack is generated, a bond-readiness check runs, or a takeoff is executed. Annual billing carries a 20% discount. Breva is hosted on Microsoft Azure, is SOC 2 Type II certified, integrates with Plaid for bank data connectivity, and supports English and Spanish. The company also operates the Thrive Grant program, a quarterly $5,000 grant to underrepresented entrepreneurs, as a community-building and pipeline-development initiative.

Name

Breva

Legal name

Cadence Financial Group, Inc.

Website

https://breva.ai

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Breva® is an AI-powered construction financial operations platform that connects plan takeoff, pay apps, bonding, and capital access in a single auditable workflow for subcontractors, general contractors, owners, and lenders.

Ownership category

akta.pro rank

Product category

Construction Financial Software

NAICS

Software Publishers (513210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computer Systems Design and Related Services (54151)

akta.pro primary industry

End-to-End Enterprise AI Platforms (MLOps & Model Lifecycle Management) (HDAEANAA)

akta.pro secondary industries

AI Integration & Orchestration Platforms (Connectors, Workflow, iPaaS for AI) (HDAEANAI), Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies) (HDAEANAE)

Keywords

• Construction pay app software
• Construction cash flow management
• Bonding readiness scoring
• Construction lending monitoring
• Contractor AI bookkeeping

Headquarters

HQ city

Wilmington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription SaaS (Base + Usage-additional): Low, predictable base subscription with extra charges tied to value-delivered events: pay app submitted, lender pack generated, bond-readiness check, take-off run. No value delivered, no charge. Annual billing offers 20% savings. Tiers: Free (1 project), BUILD ($99/mo), SCALE ($349/mo), GROW ($599/mo) — based on Annual Bill Through (ABT) thresholds.
2. Usage-Based / Outcome-Based Charges: Additional charges apply when Breva delivers measurable outcomes: pay apps submitted, lender packs generated, bond-readiness checks, take-off runs. This outcome-based pricing structure ties cost to tangible contractor value delivered.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Breva sells an AI-powered SaaS platform for construction financial operations, built around the Breva Loop that connects Auto-Takeoffs, Estimates & WBS, AIA-ready SOV, Pay-App Autopilot, WIP & Cash visibility, Embedded Bonding, and Embedded Finance into a single auditable workflow for subcontractors. Key capabilities include the Ask Bre AI CFO (backed by human bookkeepers), the Breva Score bonding-readiness metric, and bank-feed integration via Plaid, distributed as a tiered subscription (Free, BUILD, SCALE, GROW) with usage-based add-ons.

Product overview

Breva® is a unified construction financial operations platform designed specifically for subcontractors, general contractors, owners, and lenders. The core system is the Breva Loop, a continuous workflow connecting Auto-Takeoffs, Estimates & WBS, Schedule of Values (SOV), Pay-App Autopilot™, and WIP & Cash visibility. Key AI-powered features include Ask Bre™ (autonomous AI CFO assistant) and Breva Score™ (bonding readiness scoring). The platform integrates Embedded Bonding and Embedded Finance for capital access. Pricing tiers include Free (1 project), BUILD ($99/mo, up to $5M AB), SCALE ($349/mo, $5M-$15M AB), and GROW ($599/mo, $15M-$30M AB), with annual discounts. The company also offers a $5,000 Thrive Grant program and free educational resources including Pay-App Benchmark™, BuildForward™, Retainage by State, and Prompt Payment Laws by State.

Differentiator

Problem solved

Functional benefit

Products and services

• Breva Platform (Breva Loop) Unified subscription SaaS for construction financial operations sold in Free, BUILD ($99/mo), SCALE ($349/mo), and GROW ($599/mo) tiers tied to Annual Bill Through; serves subcontractors, GCs, owners, and lenders with pay app automation, cash visibility, bonding readiness, and embedded capital access.
• Pay-App Autopilot Automated pay app preparation and submission that pre-checks math, retainage, change orders, lien waivers, and COIs and packages G702/G703 with waivers and COIs for first-try approval; targets construction subcontractors.
• Ask Bre (AI CFO) Autonomous AI financial assistant that reads users' real books, bank feeds, and pay-app status to provide actionable guidance, keep books pay-app-ready, and produce lender-ready documentation; backed by 24/7 dedicated bookkeepers on every paid plan. Slated as a Q1 2026 release on the product roadmap.
• Auto-Takeoffs Automated quantity takeoff from construction plan documents that builds the Work Breakdown Structure (WBS) and feeds directly into estimates and the SOV, eliminating manual re-keying from takeoff to SOV to pay apps.
• Breva Score Continuously-built bonding-readiness and lender-readiness score that updates with every job and pay app; powers the generation of complete lender packs before contractors need capital.
• Schedule of Values (SOV) generation AIA-ready schedule of values creation integrated into the Breva Loop workflow, enabling standardized pay app submissions across the construction project lifecycle.
• Embedded Bonding
• Embedded Finance (Partner Capital) Capital access integrated into the Breva workflow that surfaces partner capital options when Breva Score indicates readiness; subject to approval, not a commitment to lend.
• Breva for Lenders Lender-specific platform tier offering policy-aware Breva Score monitoring, complete lender packs, exception-only workflows, real-time risk monitoring, and project-tied visibility for underwriting and portfolio management.
• Breva for GCs & Owners Platform tier for general contractors and project owners providing standardized pay app intake across all subcontractors, real-time visibility into sub readiness and exceptions, and faster draw approvals.

Quantifiable outcome

• Pay apps approved on first submission (vs. industry rejection rates adding 30+ days per rejection)
• +4 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability9 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core, secondary and minor.

• Horus Construction ServicescoreGTM or Marketing PartnerHorus Construction Services has endorsed Breva and is implementing it in their contractor training academy because they believe it will genuinely change outcomes for the contractors they support. They serve as a channel partner referring contractors to Breva.
• Barr & Barr ConstructionsecondaryGTM or Marketing PartnerBarr & Barr Construction has endorsed Breva for their subcontractors and trade partners, recommending the platform to streamline pay app workflows and cash flow management.
• H.J. Russell & CompanysecondaryGTM or Marketing PartnerH.J. Russell & Company has endorsed Breva for their subcontractors and trade partners, recommending the platform to streamline pay app workflows and cash flow management.
• JCP ConstructionsecondaryGTM or Marketing PartnerJCP Construction has endorsed Breva for their subcontractors and trade partners, recommending the platform to streamline pay app workflows and cash flow management.
• Billd (data provider)minorOthersBilld 2025 data cited on Breva's website for industry benchmark statistics (56 days average payment cycle). Billd provides material financing for contractors.
• Rabbet (data provider)minorOthersRabbet 2024 data cited for the $280B cost of slow payments in construction. Rabbet provides construction finance and compliance software.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Siteline: Siteline provides construction billing, pay application, and lien waiver management for subcontractors and GCs. It is the closest direct competitor to Breva's Pay-App Autopilot and SOV workflow, targeting the same subcontractor billing pain points.
• Rabbet: Rabbet offers construction finance and compliance software for lenders, GCs, and subcontractors, with a focus on construction lending workflows and document compliance. It is directly comparable to Breva's lender-facing and document automation capabilities and is cited by Breva as a 2024 data source.
• Levelset: Levelset (acquired by Procore) provides lien rights management, lien waivers, and payment compliance for subcontractors and GCs. It is a direct competitor in the construction payment compliance workflow that Breva's Pay-App Autopilot and Breva Score address.
• Billd: Billd provides material financing and working capital specifically for commercial subcontractors. It is directly comparable to Breva's embedded finance/capital partner flow, and is cited by Breva as a 2025 benchmark data source for the 56-day payment cycle statistic.
• Mosaic: Mosaic is a construction financing platform offering lines of credit, working capital, and lender tools for residential and commercial contractors. It competes with Breva's embedded finance and lender-ready borrower monitoring features.
• Joist: Joist is a mobile estimating and invoicing tool for contractors and trades. It is comparable to Breva's Auto-Takeoffs and estimate-to-invoice flow for smaller subcontractors in the same target segment.

Broad incumbents

• Procore: Procore is the dominant construction management platform serving GCs, owners, and subs with project management, financials, and now payment tools (via Levelset). It is a broad incumbent that can bundle pay-app and compliance features that overlap with Breva's loop.
• Foundation Software: Foundation Software provides accounting, job costing, and payroll for construction contractors. It is comparable to Breva's bookkeeping and WIP & Cash visibility modules and competes for the same mid-market subcontractor finance stack.
• AvidXchange: AvidXchange provides accounts payable automation and payment workflows for mid-market and enterprise, including construction. It is comparable to Breva's pay app and invoice automation capabilities at a broader industry level.
• BILL (Bill.com): BILL provides AP/AR automation, bill pay, and spend management for SMBs including construction-adjacent verticals. It is an indirect comparable to Breva's bookkeeping, pay app, and embedded finance workflow for the broader SMB finance operations layer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/joinbreva

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors2 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 Breva