Financing your renovation: draw schedules and lender inspections
If a lender is funding your project, your contractor needs to work on their calendar too. How draw schedules and inspections actually work.
A financed renovation adds a second set of milestones to track — the lender's — alongside your own. Understanding how draws work keeps cash flowing and the project moving.
What a draw schedule is
Lenders release financing in stages tied to completed work, verified by an inspection at each stage rather than handing over the full loan up front.
Where projects get stuck
A draw request that doesn't match completed, inspected work gets delayed — and a delayed draw delays payment to trades, which delays the project. We build the construction schedule around the draw schedule, not the other way around.
How we keep both moving
We document progress the way lenders expect it documented, and we schedule inspections ahead of each draw request so financing keeps pace with construction instead of trailing behind it.
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