Jonas Construction
“Can a decades-old on-prem/cloud construction ERP remain the operating system for specialty contractors by curating payments partners rather than building embedded finance itself?”
Founded1990
HQMarkham, Ontario, Canada
IndustryVertical SaaS / Construction
The story
Jonas Construction has been a construction/service ERP since 1990, acquired into the Constellation Software portfolio and now sitting under CORA Construction Holdco. Rather than building its own embedded finance stack, Jonas has consistently taken the CSU playbook: bolt vetted payment/AP partners (globalVCard, Comdata, Gravity Payments, and now sister-company Constellation Payments) onto a stable ERP core. Its embedded finance surface area is limited to AR card acceptance and AP virtual-card disbursement — no BaaS, no lending, no card issuing of its own.
Last 12 months
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Product timeline
1990
Jonas Construction Software founded to serve mechanical and specialty contractors in North America.· founding
2015
Integrated CSI globalVCard for supplier electronic payments (virtual card AP).· payments
2017
Partnered with Gravity Payments to enable in-field credit card acceptance via eMobile.· payments
2019
Partnered with Comdata for virtual credit card vendor payments with cash-back rebates.· payments
2020
Integrated with XOi Technologies to bring AI/ML-driven field content capture to service clients.· integration
The stack
3 layers disclosed in Jonas Construction’s embedded-finance stack
Payments / PSP
Gravity PaymentsConstellation Payments
Lending
in the full report
Payroll
in the full report
Accounting gap: none
3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.