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Construction · head to head

Cubit Estimating vs Oracle Textura Payment Management

Cubit Estimating logo

Cubit Estimating

Construction

Australian estimating and on-screen takeoff in one window, priced openly per user per month

From
167/month
Rated
-
Full reviewWebsite
Oracle Textura Payment Management logo

Oracle Textura Payment Management

Construction

Construction payment, lien waiver and compliance workflow where the subcontractor pays the fee

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Cubit Estimating every subscription carries a minimum twelve month term, so a firm that hires an estimator for one tender period pays for the full year regardless.; Oracle Textura Payment Management the subcontractors pay 0.22 per cent of their contract value to invoice a customer that chose the platform for them, which makes rollout a negotiation with every trade on the job and produces genuine refusals from small specialty contractors
  • They diverge on capability: Cubit Estimating covers Integrated takeoff and estimate, Oracle Textura Payment Management covers Pay application workflow.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Cubit Estimating and Oracle Textura Payment Management actually diverge.

Attributes where Cubit Estimating and Oracle Textura Payment Management differ
AttributeCubit EstimatingOracle Textura Payment Management
Starting price167/monthOn request
Pricing modelPer user per monthPercentage of subcontract value, plus a quoted contractor subscription
PlatformsWindowsWeb

Identical on both: free tier (No), user rating (Not yet rated), category (Construction).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Cubit Estimating

  • Integrated takeoff and estimate
  • Calculation and rate sheets
  • Price list management
  • Bills of quantities
  • BIM and IFC takeoff
  • Revision management
  • AI Estimating add-on
  • Job collaboration

Only in Oracle Textura Payment Management

  • Pay application workflow
  • Lien waiver automation
  • Compliance document tracking
  • Sub-tier visibility
  • Funds disbursement
  • Owner and lender draws
  • Integration to ERP

What people use each for

The jobs each tool is most often brought in to do.

Cubit Estimating

  • An Australian commercial builder that wants takeoff and estimate in one file rather than exporting quantities from a separate measurement toolnot Oracle Textura Payment Management
  • A quantity surveying practice producing trade-structured bills of quantities to local conventionnot Oracle Textura Payment Management
  • A subcontractor pricing repeat work from maintained supplier price lists rather than rebuilding rates each tendernot Oracle Textura Payment Management
  • A small estimating team that needs to know the annual cost before booking a demo, because the rate card is publishednot Oracle Textura Payment Management

Oracle Textura Payment Management

  • A general contractor on a 200 million dollar hospital wants every lien waiver in the correct state form before funds leave the account, with an audit trail the title company will acceptnot Cubit Estimating
  • A developer requires sub-tier visibility down two levels because a supplier lien on a previous project cost it a payment it had already madenot Cubit Estimating
  • An owner-lender arrangement needs the upstream draw package to be assembled automatically from the approved downstream billings each monthnot Cubit Estimating
  • A contractor operating across several US states wants the statutory waiver language selected by jurisdiction rather than by a coordinator with a template foldernot Cubit Estimating

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Cubit Estimating

  • Every subscription carries a minimum twelve month term, so a firm that hires an estimator for one tender period pays for the full year regardless.
  • BIM and IFC takeoff sits only in Enterprise at $250 per user per month, meaning a builder who receives models rather than PDFs is pushed to the top tier whether or not it needs collaboration features.
  • The product is Windows only with no macOS or browser client, which excludes practices standardised on Macs unless they run virtualisation.
  • Rate libraries, measurement conventions and BOQ structures follow Australian practice, so buyers outside Australia and New Zealand inherit a method that does not match their local standard forms.
  • The AI Estimating add-on is priced at an explicitly temporary introductory rate, so a firm building the feature into its workflow is accepting an unspecified future increase on top of the seat price.

Oracle Textura Payment Management

  • The subcontractors pay 0.22 per cent of their contract value to invoice a customer that chose the platform for them, which makes rollout a negotiation with every trade on the job and produces genuine refusals from small specialty contractors
  • The fee is charged per project, so a subcontractor working ten projects a year for Textura-using general contractors pays ten times, and there is no annual cap across projects
  • Subcontractor-side usability is poor enough that trades routinely need coaching for their first pay application, and the general contractor absorbs that support burden even though Oracle collects the fee
  • It is an Oracle enterprise product, which means procurement, contract negotiation and an implementation partner, so the time from signature to first live project is measured in months and not weeks
  • Data export on project closeout is limited to reports and standard extracts rather than a full structured handover, so a contractor leaving the platform keeps the PDFs but loses much of the queryable payment history

Pricing, plan by plan

Cubit Estimating

167/month
  • Standard$167/month
    • Integrated estimating and takeoff
    • Calculation sheets, rate sheets and price lists
    • Basic job management
  • Professional$222/month
    • Everything in Standard
    • Code grouping
    • Custom reporting
  • Enterprise$250/month
    • Everything in Professional
    • BIM and IFC takeoff
    • Multi-user job collaboration
  • AI Estimating add-on$20/month
    • Automated element recognition
    • Works with any edition
    • Introductory rate the vendor says will increase

Oracle Textura Payment Management

On request
  • Subcontractor usage fee$undefined/project
    • 0.22 per cent of subcontract value on projects created after 19 January 2023
    • No minimum fee
    • Capped at 5,000 USD, reached around 2.3 million USD of contract value
  • General contractor subscription$undefined/year
    • Quoted by Oracle against project volume and modules
    • Not published
    • Usually sold with Primavera or Aconex

Which should you pick?

Choose Cubit Estimating if

  • You need integrated takeoff and estimate.
  • You work on Windows.
  • You also want calculation and rate sheets.
Cubit Estimating review

Choose Oracle Textura Payment Management if

  • You need pay application workflow.
  • You also want lien waiver automation.
Oracle Textura Payment Management review

Questions people ask

Is Cubit Estimating or Oracle Textura Payment Management better?
Neither clearly leads. Cubit Estimating starts at 167/month and Oracle Textura Payment Management at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Cubit Estimating or Oracle Textura Payment Management?
Cubit Estimating starts at 167/month and Oracle Textura Payment Management at On request.
Does Cubit Estimating or Oracle Textura Payment Management run on more platforms?
Cubit Estimating runs on Windows. Oracle Textura Payment Management runs on Web.
What is Cubit Estimating best used for?
Cubit Estimating is most often used for an australian commercial builder that wants takeoff and estimate in one file rather than exporting quantities from a separate measurement tool, a quantity surveying practice producing trade-structured bills of quantities to local convention, a subcontractor pricing repeat work from maintained supplier price lists rather than rebuilding rates each tender, a small estimating team that needs to know the annual cost before booking a demo, because the rate card is published. Of those, an australian commercial builder that wants takeoff and estimate in one file rather than exporting quantities from a separate measurement tool and a quantity surveying practice producing trade-structured bills of quantities to local convention are not what Oracle Textura Payment Management is typically brought in for.
What can Cubit Estimating do that Oracle Textura Payment Management cannot?
Cubit Estimating covers Integrated takeoff and estimate, Calculation and rate sheets, Price list management, Bills of quantities. Oracle Textura Payment Management covers Pay application workflow, Lien waiver automation, Compliance document tracking, Sub-tier visibility.

Answered from the vendors’ own pages

Cubit Estimating: What does Cubit actually cost?

Standard $167, Professional $222 and Enterprise $250 per user per month on annual billing, in Australian dollars excluding GST. Monthly billing is about 16 per cent more.

Oracle Textura Payment Management: Who actually pays for Textura, the general contractor or the subcontractor?

Both. The general contractor pays Oracle a subscription that is not published. Each subcontractor is separately billed 0.22 per cent of its contract value per project, capped at 5,000 US dollars, with a flat 100 dollars for sub-tier contracts.

Cubit Estimating: Can I get BIM takeoff without the Enterprise tier?

No. IFC model takeoff is an Enterprise feature only.

Oracle Textura Payment Management: Can a subcontractor refuse to use it?

In practice no, if the prime contract mandates it, because pay applications are only accepted through the platform. Some subcontractors price the fee into their bid instead.

Cubit Estimating: Is there a perpetual licence?

No. Cubit Estimating is subscription only with a minimum twelve month commitment.

Oracle Textura Payment Management: Is Textura the same thing as Textura Payment Management?

Yes. Oracle sells one product under the name Oracle Textura Payment Management. There is no separate Textura product line to buy.

Cubit Estimating: Does it suit contractors outside Australia?

It works, but rate libraries and BOQ conventions follow Australian standards, so buyers elsewhere do more setup than a locally built alternative would need.

Oracle Textura Payment Management: Does it handle lien waivers outside the United States?

It has European and Australian variants with local payment and compliance handling, but the statutory lien waiver machinery is a United States feature and is the main reason to buy it.

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