For builders & building businesses · Coming soonKeep control of the build, without being the project’s bank.
PayLocker is a construction payment-integrity platform that keeps committed project funds connected to the work. BuildPilot is introducing it to builders, trades and suppliers ahead of launch.
On most projects a payment lands in a general account and the builder effectively becomes the project’s informal bank, carrying risk the system was never designed to manage. PayLocker strengthens the payment layer beneath your contracts, not your role in delivering the build.
The problem isn’t the people, it’s the plumbing
An incoming construction payment isn’t spare cash. Most of it is already promised, to trades, to suppliers, to the obligations behind each approved stage.
When money sits in a general account, nothing structurally connects it to the work, and every party relies on trust alone.
PayLocker keeps funds aligned with approved work and verified claims, releasing through structured pathways as the project progresses.
Your role in the payment pathway
You and your trades and suppliers are verified, role, licence, ABN and nominated account. Claims are recorded against the relevant stage and evidence, approvals are visible, and approved payments flow to verified recipients in sequence. You keep control of the build and a clear, recorded payment trail, without carrying the whole cash-flow burden informally.
How it works
One structured pathway, from funding to final payment.
PayLocker keeps money connected to the project across five steps.
Verify
Every participant is identified, role, licence, ABN and nominated account, so there is no ambiguity over who is entitled to be paid.
Stage
The project’s stages determine when money enters, in line with the building contract.
Fund
Payments arrive into a project-specific account and stay connected to that project.
Approve
Claims are submitted against the work; approvals are recorded as distinct, visible steps.
Release
Where funds are available and an obligation is approved, the entitled participant is paid in the approved sequence, and every decision is recorded.
What it could mean for your business
Remove the “informal bank” burden
Committed funds stay connected to the project rather than sitting in a general operating account.
A differentiator at the quote stage
Offer clients project-specific payment transparency, an answer most builders can’t give.
Clear, recorded approvals
Claims tie to stages and evidence; approvals and releases are visible and recorded.
Faster certainty for trades & suppliers
Verified participants are paid in the approved sequence once an obligation is approved and funds are available.
Why BuildPilot partnered with PayLocker
BuildPilot connects homeowners with the right building businesses. Introducing PayLocker helps the businesses on our platform stand out on payment transparency. BuildPilot provides the education and the introduction; PayLocker handles qualification, onboarding, customer agreements, payment services and ongoing support.
Trust should be checkable
PayLocker is a payment-integrity layer that keeps committed construction funds connected to the project, with verification, approvals, controlled release and a recorded payment history.
What it is not
- Not a bank
- Not an insurer
- Not accounting software
- Not a project-management tool
What it does not guarantee
- That a builder will remain solvent
- That every dispute will be avoided
- That a project will be completed
What it does not replace
- Your building contract
- Statutory home-warranty insurance and consumer protections
- Independent building inspections or professional advice
- The builder’s responsibility for programme, quality and delivery
General information only, not financial, legal or tax advice. Always read the relevant contract and seek professional advice.
Educational videos coming soon
We’ll add PayLocker’s explainer videos here once approved links are supplied.
Building-journey guide coming soon
A supporting article on where payment integrity fits your build, added once the content is approved.
Frequently asked questions
Register your interest
Be among the first builders and businesses to offer project-specific payment transparency. Tell us a little about your business and we’ll be in touch.