← State of Embedded Finance 2026

Jostin Construction

Can a purpose-driven, minority-founded general contractor scale complex self-performed construction work into a regional market leader in the Ohio/Kentucky corridor?

Founded1998
HQCincinnati, OH
FoundersAlbert Smitherman
IndustryVertical SaaS / Construction
The story

Founded in 1998 by Albert Smitherman as a concrete-focused general contractor in Cincinnati, Jostin Construction has grown over 25+ years into a full-service construction management and general contracting firm with approximately 43 employees and ~$63.5M in annual revenue. The company has built a niche around self-performed concrete and carpentry services while expanding into general contracting and construction management. Jostin uses Procore as its construction project management platform, reflecting the industry trend toward vertical SaaS adoption. No meaningful embedded finance products (lending, BaaS, payroll tech) have been identified in the public evidence.

Last 12 months
Product timeline
1998
Albert Smitherman founded Jostin Construction in Cincinnati, OH, with a focus on concrete construction and general contracting.· pivot
2019
Completed Cincinnati Children's Hospital Critical Care — a 650K sf building with 26K sf parking garage.· banking
2020
Completed TQL Stadium, a 26,000-seat soccer stadium, and the 3CDC Academy Lofts condominium conversion.· pivot
The stack
Accounting gap: none