Adaptive

What it is

Category DescAccounting / Financial Management & Payments (AI-powered financial automation platform for accounts payable, job costing, budgeting, invoice processing, and electronic payments that integrates with existing ERPs) ↗

Target UserSmall to medium-sized construction businesses (SMBs), including residential (custom homebuilders, remodelers) and commercial general contractors, real estate developers, and specialty trade contractors ↗

OwnershipIndependent (Venture capital-backed; Series A funded by Emergence Capital and Andreessen Horowitz) ↗

Founded Year2021 ↗

Pricing & cost

Pricing ModelAdaptive uses a custom, quote-only pricing model based on a company's annual revenue band and specific enabled automated workflows, rather than charging per-seat or per-user subscription fees. ↗

Typical CostPricing is quote-based, but third-party listings report starting prices from $575/month for companies with up to $5 million in annual revenue up to $1,000/month for flat-rate tiers with unlimited users, projects, and payments. ↗

Api Or Integration FeesAdaptive does not charge separate transaction or integration fees; bidirectionally integrated connectors (such as QuickBooks, Sage, Foundation, Acumatica, and Procore) are included as part of the selected workflows. ↗

Implementation CostNo implementation or onboarding fees ($0 setup costs). ↗

API & data access

Has ApiYes ↗

Api TypeOAuth-based REST API (Partner API) ↗

Api Access GatingGated partner access; developers must obtain OAuth credentials and coordinate integration access via Adaptive support ([email protected]). ↗

Api LimitationsBudgets and change orders are not currently supported for syncing over the API; available endpoints focus primarily on jobs, vendors, cost codes, purchase orders, bills, and expenses. ↗

Data Export OptionsUsers can manually export custom financial reports or configure scheduled automated exports on a daily, weekly, or monthly basis. ↗

Native AI features

Ai Features SummaryAdaptive (adaptive.build) is an AI-native financial operations and project accounting platform built for U.S. construction general contractors, homebuilders, and specialty trade contractors. Its core native AI capabilities center entirely on back-office financial automation, including AI-driven accounts payable (AP) ingestion and job-cost coding, accounts receivable (AR) owner billing creation, vendor compliance tracking, and autonomous 'Project Accounting Agents'. It also features an embedded in-app AI Assistant for conversational financial reporting and budget imports. Adaptive does not offer native AI dispatching/scheduling or native AI estimating/takeoff tools. ↗

Ai DispatchAdaptive does not offer AI-powered dispatching, field worker routing, or job scheduling features. The product focuses exclusively on construction financial management and project accounting rather than field dispatching. ↗

Ai FinanceAdaptive provides native AI automation for financial operations, categorized by availability stage: - Self-Driving Accounts Payable & Expense Ingestion (Shipped / GA since 2023–2024): AI pulls bills and receipts directly from email or scans, extracts invoice data, auto-codes line items to specific jobs, phases, and cost codes, matches invoices to commitments/purchase orders, and routes approvals. - Self-Driving Accounts Receivable & Owner Billings (Shipped / GA): AI generates cost-plus, percentage-of-completion, or milestone client invoices and payment applications in under a minute using connected ERP cost data. - Lien Waiver & Compliance Automation (Shipped / GA, updated Oct 2024): Automatically requests, tracks, and stores vendor lien waivers and insurance documents during payment execution. - Project Accounting Agents (Shipped / GA, introduced June 2026): A suite of autonomous AI agents designed to handle specific finance roles (AP Clerk, Billings Clerk, WIP & Forecasting Analyst, Change Order Clerk, Lien Waiver & Insurance Agent, and Field Coordinator). The agents operate 24/7 to gather jobsite context, draft change orders, assemble work-in-progress (WIP) reports, and reconcile financial data. ↗

Ai Assistant Or McpAdaptive includes a native AI Assistant (Shipped / GA), available in the top bar navigation (or via shortcut Cmd+Shift+O). The assistant allows users to ask conversational questions about financial data, query budgets, and execute guided workflows like uploading, mapping, and validating Excel/CSV job budgets. Adaptive does not offer or maintain a Model Context Protocol (MCP) server as of 2025–2026. ↗

Integrations & ecosystem

Accounting IntegrationsAdaptive connects to accounting and ERP systems including QuickBooks (Online, Desktop, Enterprise), Sage (Sage Intacct, Sage 100 Contractor, Sage 300 CRE), Foundation, Acumatica, and NetSuite. For field and project management (PM), Adaptive offers native bidirectional integration with Procore, as well as connections to field systems like BuildPass. The accounting-to-field integrations are direct and native to Adaptive's platform rather than relying on third-party middleware. ↗

MarketplaceAdaptive does not maintain a public app marketplace or partner directory; supported integrations are documented directly on its official website and help documentation. ↗

Unified Api SupportNeither Agave nor Merge.dev lists Adaptive as a supported application in their unified-API integration directories. Adaptive relies on native integrations built directly into its platform. ↗

Accounting fit & implementation

Certified PayrollAdaptive does not natively generate certified payroll or prevailing wage reports; contractors perform certified payroll through external payroll providers (such as ADP, Gusto, or Paychex) or specialized compliance tools, while Adaptive syncs labor allocation and job cost data. ↗

Accounting MethodAdaptive supports accrual-based accounting through its bi-directional sync with general ledger and accounting platforms like QuickBooks Online and QuickBooks Desktop. ↗

Wip Poc SupportAdaptive natively supports Work-in-Progress (WIP) reporting and percentage-of-completion (PoC) revenue recognition, enabling contractors to calculate earned revenue by comparing incurred costs to total budgeted costs. ↗

Implementation TimeImplementation typically takes days to weeks; because Adaptive connects directly with existing accounting software like QuickBooks, historical budgets, transactions, and project data are imported automatically. ↗

Requires ImplementerAdaptive does not require a paid third-party implementer or Value Added Reseller (VAR); implementation is managed directly through Adaptive's internal Customer Success team or partnered CPA/accounting advisory firms. ↗

Adoption & market position

Market PositionAdaptive (adaptive.build) is a modern, AI-powered financial management and automation software designed for small to medium-sized construction businesses, including general contractors, trade/specialty contractors, custom homebuilders, and developers. It serves as a unified financial hub automating accounts payable, budgeting, cash flow analytics, vendor management, and electronic payments, integrating directly with accounting systems like QuickBooks. ↗

Customer ScaleAdaptive reported serving over 280 construction companies managing more than $1.4 billion in project volume as of July 2024, with customer figures expanding to over 700 contractor customers by 2026. ↗

MomentumAdaptive is a fast-growing modern SaaS platform launched in February 2023, rather than a legacy system. It has secured $26.4 million in total venture funding, including a $19 million Series A in July 2024 led by Emergence Capital alongside Andreessen Horowitz (a16z). Contractors adopt Adaptive to replace manual back-office processes, automated through AI without having to replace their existing core accounting software. ↗