Abstract: The present subject matter discloses a method of managing payments made in the construction industry. A subcontractor delivers an invoice to the builder, the builder approves the invoice and forwards the invoice to a title company. The title company verifies the builder has the requisite funds in a construction loan or line of credit held by the builder and the title company requests a lien waiver from the subcontractor. When the title company receives confirmation of the builder's available funds and the lien waiver from the subcontractor, the title company processes a payment voucher, communicates the approved payment amount to the subcontractor and provides the subcontractor access to the approved payment through the builder's transaction account.