Fueling Construction Finance with AI Precision
Elevate your lending experience with Nitro-AI – where innovation meets construction finance. Dive in to discover how we’re transforming the construction lending landscape.
Our Mission at Nitro-AI
To redefine construction lending by delivering AI-driven verification, transparency, and risk intelligence across the entire credit lifecycle — from origination through securitization — so capital moves faster, fraud is exposed earlier, and outcomes match underwriting intent.
Plain English:
We make construction loans behave the way lenders model them.
At Nitro-AI, we envision a transformed construction lending landscape powered by innovative fintech solutions. We are deeply committed to harnessing the strengths of artificial intelligence, data analytics, and automation to supercharge the lending experience. By providing advanced AI-driven tools, we empower lenders, developers, and construction experts to simplify processes, enhance transparency, and reduce risks. Our aspiration is not just to innovate but to forge enduring partnerships that reshape the way construction projects are financed and executed. Together, we champion a future where accuracy, speed, and efficiency redefine project funding, leading to flourishing communities and a world of possibilities.
Our Vision
To become the global intelligence layer for construction finance — where every loan, draw, inspection, and data point is validated in real time, creating a system lenders, investors, and regulators can trust without hesitation. “Lenders don’t lose money on bad loans — they lose it on bad information.”
We envision a market where:
This is not automation for efficiency’s sake. This is intelligence for capital preservation and scale.
About Us
Redefining Construction Lending with Nitro-AI
Nitro-AI was built at the intersection of construction reality and financial risk.
For decades, construction lending has relied on fragmented data, manual inspections, subjective reporting, and delayed discovery of problems. Everyone downstream pays for those blind spots — lenders, investors, borrowers, and communities.
Nitro-AI changes that.
Born from CFSi’s nationwide construction risk and fund-control operations, Nitro-AI embeds agentic, multimodal AI directly into the lending workflow. Our platform doesn’t just collect data — it verifies it, connects it, and continuously evaluates it against underwriting intent. “We aren’t a platform. We’re infrastructure.”
Nitro-AI supports the full lifecycle:
- Origination: borrower and contractor validation, budget logic checks, feasibility analysis, fraud detection
- Construction & Servicing: AI-assisted inspections, geotagged evidence, scope and progress verification, automated draw intelligence
- Portfolio & Securitization: continuous risk scoring, exception tracking, standardized data outputs investors and rating agencies can trust
Our AI doesn’t replace human judgment — it removes ambiguity so judgment improves.
At scale, Nitro-AI becomes what construction finance has never had: a living, auditable system of record for construction risk.
In the dynamic world of construction finance, Nitro-AI stands as a beacon of innovation. As a startup, we may be young, but our aspirations are boundless. Our focus? A complete overhaul of the construction lending experience, ushered in by breakthrough fintech solutions.
Our dedication to the fusion of artificial intelligence and construction finance is unwavering. By integrating data analytics, AI, and automation, we’re setting a new standard for lending. From simplifying intricate processes to bolstering transparency and safety, Nitro-AI is at the vanguard of change.
But our journey doesn’t stop at innovation. At our core, we believe in nurturing lasting partnerships. Collaborating with industry leaders, lenders, and construction professionals, we’re working hand in hand to redefine the financing and execution of construction projects. With Nitro-AI by your side, envision a future where every project is a testament to accuracy, speed, and unmatched efficiency.
Meet the Pioneer Behind Nitro-AI
Brian Mingham – Chief Executive Officer (CEO)
Denver Metropolitan Area
Brian Mingham is not just an entrepreneur; he’s a force of innovation in the realm of construction risk management and lending. With a career spanning decades, he has been the driving force behind multiple financial ventures, always staying at the forefront of transformative solutions in the space.
In 2012, Brian founded CFSI Loan Management (CFSI), taking it from a mere concept to the largest nationwide construction risk mitigation firm. Under his visionary leadership, CFSI has become synonymous with reducing construction project risks, ensuring lenders can focus on what they do best while CFSI manages the intricacies of the construction process.
But Brian’s influence doesn’t stop at CFSI. He has been a Founding Board Member of the National Private Lenders Association since 2019, emphasizing the vital role private lending plays in real estate markets across the U.S. Brian also plays an advisory role at National Lending Experts, bringing together top minds in private lending to share insights and foster collaboration.
His extensive experience covers an impressive range of roles, from President of a national firm focusing on default services inspection, valuation, maintenance, and construction, to pivotal roles at renowned financial institutions like JPMorgan Chase and Countrywide Home Loans.
More than just his roles and accomplishments, Brian is a connector, bridging gaps between various facets of the construction and lending world. His entrepreneurial spirit, combined with his impeccable leadership and relationship-building skills, makes him a key asset to Nitro-ai and the broader fintech community.
Contact Us
Construction Lending Demands Certainty.
Let’s Talk.
Whether you’re originating, servicing, or securitizing construction loans, Nitro-AI helps replace assumptions with verified intelligence. Connect with our team to see how AI-driven validation can materially improve performance and reduce risk across your portfolio.
“If your data can’t be verified, your risk can’t be priced.”
Feel free to drop us a message, and one of our team members will get back to you promptly. Let’s build the future of construction lending together.
