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How to Submit a Draw Request

A step-by-step guide to requesting and receiving construction draw funds

If your loan includes a rehab or construction reserve, draws let you access those funds as work is completed and verified. This guide walks you through the process step by step.

Before You Submit

Make sure the following are in order before submitting a draw request:

  • Your loan is current on all payments
  • Your loan is within its maturity date
  • Work is complete against approved Scope of Work (SOW) line items
  • The draw request is for at least $10,000
  • New construction: Foundation or slab must be complete for the first draw
  • Rehab: Value-add work must have started
  • There is no open payoff statement on your loan (if there is, it will need to be voided before a draw can proceed)

Step-by-Step Process

  1. Log in to your Borrower Dashboard at app.upright.us/home
  2. Navigate to your active loan and select "Request Draw"
  3. Select the SOW line items you are requesting reimbursement for
  4. Upload supporting documentation:
    • Invoices tied to SOW line items
    • Lien waivers as applicable
    • Photos of completed work
  5. Submit your request
  6. Inspection is ordered to verify completed work. An inspector will contact you or your site contact to schedule a visit.
  7. Review and approval once the inspection confirms completion
  8. Funds are disbursed

Scope of Work Changes

Draws are reimbursed only against the approved SOW from closing. If your project scope has changed, here is what you need to know:

  • You may request one SOW change during the life of the loan
  • You can reallocate your budget through the draw platform
  • We cannot order an inspection while a SOW change is under review, so plan accordingly

Draws and Payoffs

Draws and payoffs need to be sequenced carefully:

  • You cannot initiate a draw if a payoff statement is currently open
  • If a draw is taken while a payoff is open, the payoff is voided and must be re-issued
  • If you need both a draw and a payoff in the same window, contact your branch team to sequence them correctly

Tips to Avoid Delays

  • Request amounts that match the work actually completed
  • Upload clean, legible invoices and photos upfront
  • Respond quickly to inspector or team requests for clarification
  • Flag scope changes early, before inspections are ordered
  • Keep your payments current

Need Help?

Contact your branch team if you are unsure what to request, what qualifies as complete work, or how to handle sequencing with payoffs or scope changes. We are happy to walk you through it.