Draw Schedule Tracker
The Draw RequestWhich stages are finished, and which of those nobody has drawn against.
A draw only arrives if somebody fills in a form and sends it, so a finished stage nobody drew against leaves no trace on any report — and a draw schedule that foots to 97% of the contract is wrong on no single line.
On a financed job a draw is requested, never paid automatically — so a stage that was finished, signed off and never drawn is money already earned that no report anywhere shows, because the missing line is the whole problem. This prints every stage against the work actually done, sorted by how long a finished one has waited, and adds the schedule up against the contract.
About this tool
Draw Schedule Tracker: what it solves
A draw schedule is a list of stages with a share of the contract against each one, negotiated for this job with this lender. There is no industry schedule to default to, which is why no platform holds it: job-costing software knows what was spent, accounting software knows what came in, and neither has ever seen the page stapled to the contract. The first finding is the actionable one. On a financed job the draw is requested rather than paid, so a stage finished and signed off months ago with nothing drawn is earned money sitting in the loan — and it appears on no report, because a row is created by requesting a draw and nobody requested one. Stages are sorted by how long a finished one has waited. The second is the schedule itself: percentages that foot to 97, or amounts that miss the contract value, are wrong on no single line and show only when the column is added up. It suggests no schedule, no percentages, and no time to submit anything.
On a financed job the draw is requested, not paid
That single fact is why this exists.
A stage gets finished. It gets inspected, signed off, and everybody moves on to the next one. The money for it does not move, because on a financed job money moves when somebody fills in a draw request and sends it.
If nobody sends it, nothing happens. No alarm, no reminder, no overdue notice — because in every system you own, a row is created by requesting a draw. Nobody requested one, so there is no row, so there is nothing to be late.
The money is sitting in the loan, earned, with a completed stage behind it and no paperwork in front of it.
Sorted by how long a finished stage has waited
Furthest first, which is both the most urgent and the most awkward — a stage finished four months ago is a conversation with a lender that gets harder every week you leave it.
The ones still in progress are not on that list. A stage at sixty per cent complete with a partial draw against it is a job running normally, not a problem.
A schedule that foots to 97
The second finding, quieter, and it survives because nothing ever adds the column up.
Draw stages get typed as percentages during a negotiation — eight, twelve, twenty-two, eighteen, twenty, seventeen. Every line looks reasonable. The column comes to ninety-seven, and three per cent of the contract has no stage to draw it against.
Or it comes to a hundred and four, and the last stage is never going to fund the way the sheet says it will.
Neither is wrong on any single line, which is why it survives review. This adds the column and names the gap in dollars, both directions.
Why no platform holds your schedule
Job-costing software knows what was spent. Accounting software knows what came in. Neither has ever seen the page stapled to the contract.
And there is no industry schedule to fall back on. The stages, the shares against each one, and what counts as a stage being done were negotiated for this job with this lender. The next job will have different ones.
That is exactly the kind of rule a platform cannot absorb — it has to pick a default, and there is no default that is right for two jobs in a row.
What it replaces
The draw request that goes in when somebody remembers, or when cash gets tight. Or the mental list of what has been drawn, held by whoever runs the job, which is accurate until they are running three jobs.
You enter the schedule once per job. Each check is where the work is now.
Who it is for
General contractors, remodelers and builders on financed jobs — anywhere the money comes in stages against a schedule somebody negotiated, and asking for it is a separate act from earning it.
What it will not do
It suggests no schedule and no percentages. How you carve a job up is a negotiation with the person lending against it.
It will not tell you when to submit. Whether a draw goes in this week is about your relationship with the lender, your cash position and what else is in flight. This tells you what is sitting there.
It does not know whether a draw is contractually due. It compares work done against draws taken. Whether the lender agrees is between you and the contract.
Nothing you type is sent anywhere. The arithmetic runs in your browser. Contract values and draw positions stay on the machine you typed them on. Close the tab and it is gone.
Yours would be built the same way.
This one runs on made-up data. The version built for your business runs on yours, and you own it outright. Builds start at $2,500. That is a floor, not a quote. What yours costs is agreed before any work begins. The first conversation is free.