5 User Types - Defined

Owner

Company or Individual who has financial and decision-making responsibility over the project.  Maintains possession of the property after construction is finished.

Lender

A lender is an individual, a public or private group, or a financial institution that makes funds available to a person or business for a specific project, with the expectation that the funds will be repaid.

Contractor

Company or Individual who is responsible for the engagement, management, and direct execution of the SOV both directly, and with the contracted help of the Subcontractors and Suppliers.

Subcontractor

Company or Individual who provides primarily Labor and possibly Material to the project (as-in supply & install contracts) 

Supplier / Material Provider

Company providing Material Only to a project

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