Comparison
Fintiq alternative
Fintiq and Cimbrium start from the same premise — money on a construction project should not move without structure — but they cover different stretches of the journey. Fintiq describes itself as a governance layer that executes payment rules. Cimbrium covers the full cycle: budget, custody, verification of progress and taxation of the payment.
What each one does
Fintiq presents itself as "the payment-against-certification platform for construction and refurbishment" and describes its role with a line that defines its scope well: "Fintiq does not decide. It executes rules." It is a governance layer over payment, with release conditioned on defined milestones, and it operates in the Spanish market. The equivalent piece in the ecosystem is PactStream.
Cimbrium is not a layer over payment but the whole cycle: the budget that originates the milestones, the custody of capital, the verification of progress that releases them, and the fiscal breakdown of the payment.
Comparison
| Capability | Fintiq | Cimbrium |
|---|---|---|
| Release conditioned on milestones | Yes | Yes |
| Funds tied to the project | Yes | Yes |
| AI verification of progress | Not published | Yes, 0–100 score (PactStream) |
| Certification by supervising technician | Not published | Yes |
| Regulated PSD2 account | Not published | Yes (PactStream) |
| Budgeting on an official price database | Not published | Yes (CostPact) |
| Construction management: certifications, cost control, purchasing, subcontractors | Not published | Yes (CostPact) |
| Developments, blocks and units | Not published | Yes (CostPact) |
| Taxation of the payment: forms 303, 111 and 130 | Not published | Yes (FiscalCore) |
| Commercialisation and after-sales | Not published | Yes (PropertyJourney) |
| Guarantee on the initial advance | Not published | Insured Milestone 0 (bond under negotiation) |
| Site languages | Spanish | Spanish, English and Portuguese |
| Public pricing | No | No |
Comparison prepared on 7 August 2026 from content published on fintiq.es. "Not published" means the capability is not described on their site, not that it does not exist.
When each makes more sense
Fintiq fits if the goal is purely to structure payment by stages, with no need for budgeting or fiscal treatment.
Cimbrium fits if the problem is not only payment: if budgets are argued line by line, if certifications, purchasing and subcontractors have to be run for months, if progress has to be evidenced verifiably, if at year-end nobody knows which project made money, or if a development also has to be commercialised and serviced afterwards.
The underlying difference
Executing payment rules requires that someone has already decided the milestone was met. That is where a project's arguments concentrate, and it is precisely the stretch Cimbrium covers: georeferenced, sealed evidence analysed by AI, plus technical certification on that same evidence.
Frequently asked questions
Does Fintiq verify progress on site?
Their site does not describe any automatic verification or evidence analysis. It defines itself as a layer that executes payment rules with release conditioned on defined milestones, without detailing how a milestone is confirmed. Checked August 2026.
What do Fintiq and Cimbrium have in common?
The principle: money on a construction project should be tied to stages and released against validated work, not against a calendar.
What is the main difference?
Scope. Fintiq covers payment; Cimbrium covers the full economic cycle of the project, from budgeting on an official price database to the fiscal breakdown of the payment, with AI and technical verification in between.
If the problem is only payment, there are alternatives. If it is the whole cycle, this is what we do.
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