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Construction Draws (Rehab & Construction Funding)

Your loan's rehab or construction reserve is released in stages as you complete work. Here is how that works, end to end.

The short version

Build your draw in whichever is handier, the Sitewire app or the web portal. The photos and video have to be captured in the app. Submit, and we review and approve within hours.

For the click-by-click version, see How to Submit a Draw Request.

Where draws happen

Draws are managed in Sitewire. Your budget, your draw requests, your photos, and your inspection all live in the same place.

When your loan is set up, you will get an email invite from Sitewire.

You do not have to bookmark anything. Your Upright Lending borrower portal links straight through to Sitewire in two places: an account-level link that opens all of your projects, and, on any individual project, Request Draw and Manage Budget, which take you directly into that loan. Your Sitewire login is separate, so you will sign in with your Sitewire credentials.

Use whichever is in front of you. You can open a draw, enter your amounts, and submit from either the app or the web portal at portal.sitewire.co. Your login is the same for both. Only a few things are tied to one surface.

Only in the mobile app

  • Capturing the photos and video. This is the one step you cannot do on the web.

Only in the web portal

  • Uploading documents such as permits, invoices, and receipts
  • Requesting a budget reallocation
  • Adding and managing your team
  • Reopening a draw so your team can add more media

See Getting Around Sitewire for the full layout.

How the draw process works

  1. You complete work against your approved Scope of Work.
  2. In the app or the web portal, you open a draw and enter the amount you are requesting against each line item.
  3. In the web portal, you upload supporting documents such as permits, invoices, and receipts.
  4. In the app, you or a team member captures the required photos and video.
  5. You submit, from either surface. Sitewire will not release the draw until all the required media is in.
  6. We review and approve, and funds are released.

We review and approve within hours. If the amount we approve differs from what you requested by more than 10 percent, we will reach out before we finalize.

Our goal is to get as much money to you as possible, as fast as possible, against verified progress. If something gets missed or we do not see eye to eye on a line item, it can trail and be picked up on your next draw. A disagreement on one item does not hold up the rest.

Inspections

Upright Lending uses virtual inspections by default. You capture the evidence yourself in the app. There is no visit to schedule and nobody to meet on site.

Every inspection needs all three of these

  1. Exterior photos of the property
  2. An interior video walkthrough
  3. Supporting photos for each line item you are requesting

The video walkthrough matters more than people expect. It lets us see progress on line items you did not claim this round, and it gives us the overall condition of the property. It is often how we end up approving more than you asked for.

You do not have to be the one holding the phone. Anyone on your team can capture the work. See Adding Your Team in Sitewire.

Prefer an inspection in person? That is fine. Let your branch know and we will arrange it.

What is required before you draw

  • Your loan is current on all payments
  • Your loan is within its maturity date
  • The work is complete against approved Scope of Work line items
  • The request is for at least $5,000, unless it is your final draw
  • New construction: foundation, piles, or slab is complete for your first draw
  • Rehab: value-add work has started
  • There is no open payoff statement on your loan

Changing your budget

If your scope changes, submit a reallocation request from the web portal. You move dollars between line items, and the total stays equal to your original loan budget.

There is no limit on how many you can submit over the life of your loan, though only one can be active at a time. Submit it and wait for a decision before your next draw. We cannot order an inspection while a budget change is under review.

Full steps are in Requesting a Budget Reallocation.

Draws and payoffs

If a draw is taken while a payoff is open, the payoff is voided. Contact your branch to sequence them correctly.

Tips to keep things moving

  • Request amounts that match the work actually completed
  • Shoot the interior video walkthrough carefully. It is what lets us credit progress you did not claim.
  • Capture clear, well-lit supporting photos for every line item you are requesting
  • Upload legible invoices and permits up front
  • Flag scope changes early, before you request a draw
  • Keep your payments current

Need help?

Contact your branch for anything about your project, your budget, or your loan. For app or portal trouble, Sitewire support is at support@sitewire.co or through the messenger inside the app.