Financial Services · Moraph software

Construction Loan Draw Management

Release construction funds against verified progress, with the evidence on file

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Overview

What you are buying

Construction Loan Draw Management takes a draw request from submission to funding: the borrower requests a draw against the budget, an inspector visits the site and records geo-tagged, time-stamped photos in a mobile app, and your lender staff approve each disbursement against what was verified. Budgets, retainage, lien waivers and title updates are tracked line by line. Every draw keeps its inspection evidence and approvals, ready for credit review, audit and examiners.

The problem it solves

Most construction lending teams manage draws through email, spreadsheets and inspection reports that arrive as PDFs. Draw administrators reconcile the borrower's request against the budget by hand, chase lien waivers and title updates, and match inspector photos to line items after the fact. It is hard to show that funds went out only for work actually in place, and when a project stalls or a contractor walks away, rebuilding the draw history takes days of searching through inboxes.

  • Draw requests arrive in different formats and are checked against the budget by hand
  • Inspection photos and reports are not tied to budget line items or to a location and time
  • Lien waivers, title updates and change orders are tracked in separate spreadsheets
  • The reasoning behind each disbursement is hard to reconstruct for credit review and examiners

Who uses it

  • Construction lending departments at banks and credit unions
  • Draw administrators and loan operations teams who process disbursements
  • Construction and site inspectors, staff or third-party
  • Credit officers and chief lending officers who answer for the construction portfolio
  • Internal audit, loan review and examiners, who need evidence behind every draw

Requirements it supports

Interagency Guidelines for Real Estate Lending Policies (12 CFR Part 34 Subpart D, 12 CFR Part 365, 12 CFR Part 208 Appendix C)Interagency Appraisal and Evaluation Guidelines (2010)Interagency Guidance on Concentrations in Commercial Real Estate Lending (2006)OCC Comptroller's Handbook: Commercial Real Estate LendingNCUA Member Business Loans; Commercial Lending (12 CFR Part 723)Truth in Lending Act and Regulation Z (12 CFR Part 1026), for consumer construction loans

The product supports these requirements; meeting them remains your organization’s responsibility.

See how it works

A short walkthrough

Illustrative screens with fictional sample data. They show the workflow, not any client’s data or configuration, and the layout of the product itself differs. A live demonstration uses the product with sample data.

  1. Step 1

    The draw queue

    Draw administrators start from one queue of open draw requests, with the stage, amount and age of each.

    DrawLoanProjectRequestedStageAge
    DR-0614Loan 40217Example Street townhomes (fictional)$212,400Awaiting inspection2 days
    DR-0611Loan 40188Sample Avenue retail (fictional)$96,750Location flag3 days
    DR-0607Loan 40203Example single-family home$38,200Reconciling4 days
    DR-0602Loan 40155Sample office renovation$141,000Awaiting approval5 days
    DR-0598Loan 40217Example Street townhomes (fictional)$187,300Funded12 days
    Draw administrators start from one queue of open draw requests, with the stage, amount and age of each.

  2. Step 2

    The draw request

    The borrower's request arrives against the budget lines, with its documents checked for completeness.

    Loan 40217 · Draw 6 · Example Street townhomes (fictional)

    Requested
    $212,400
    Budget lines
    5
    Invoices
    7 attached
    Conditional lien waivers
    6 of 7
    Change orders
    None
    Retainage
    10% per loan terms

    Completeness checks

    • !Lien waiver missing for electrical subcontractor
    • All lines within remaining balance
    • Title date-down required before funding
    The borrower's request arrives against the budget lines, with its documents checked for completeness.

  3. Step 3

    On site

    The inspector records progress in the mobile app; each photo is tied to a budget line, a location and a time.

    Inspection IN-2290 · Loan 40217

    Inspector
    Example Inspection Co. (fictional)
    Photos
    34
    Within site boundary
    34 of 34
    Framing
    100% complete
    Roofing
    60% complete
    Electrical rough-in
    40% complete

    Inspector notes

    • Roof sheathing complete on 3 of 5 units
    • Electrical rough-in started on units 1 and 2
    • Materials stored on site, covered
    The inspector records progress in the mobile app; each photo is tied to a budget line, a location and a time.

  4. Step 4

    Reconciling the draw

    Requested amounts sit beside verified progress for each line, so differences are resolved before approval.

    Budget lineBudgetDrawn to dateRequestedVerifiedRecommended
    Framing$310,000$248,000$62,000100%$62,000
    Roofing$120,000$0$84,00060%$72,000
    Electrical$145,000$0$58,00040%$58,000
    Plumbing$130,000$0$8,400Not started$0
    Requested amounts sit beside verified progress for each line, so differences are resolved before approval.

  5. Step 5

    Approval and funding

    Every step is recorded, and the approved amount goes to your loan system for your staff to fund.

    Draw DR-0614 · Loan 40217

    1. Draw request submittedBorrower
    2. Missing lien waiver receivedBorrower
    3. Inspection submitted, all photos within boundaryInspector
    4. Reconciled; roofing and plumbing reduced with reasonsDraw administrator
    5. Title date-down confirmedDraw administrator
    6. Draw approved at recommended amountDraw approver
    7. Funding confirmation recordedLoan operations
    Every step is recorded, and the approved amount goes to your loan system for your staff to fund.

  6. Step 6

    The portfolio

    Credit officers see every construction loan's progress against funds disbursed, and loans that need attention.

    LoanProjectCommitmentDisbursedCompleteLast draw
    Loan 40217Example Street townhomes$2,400,000$1,186,00051%6 days ago
    Loan 40188Sample Avenue retail$1,750,000$1,120,00055%41 days ago
    Loan 40203Example single-family home$480,000$212,00046%18 days ago
    Loan 40155Sample office renovation$920,000$604,00068%9 days ago
    Credit officers see every construction loan's progress against funds disbursed, and loans that need attention.

Workflows

The principal workflows

  1. Set up the loan

    Each construction loan starts with an approved budget broken into line items, the draw schedule, retainage terms and the documents required before each draw, so later requests are checked against an agreed baseline.

    • Loan, borrower, project address and site boundary loaded from your loan system or entered
    • Approved budget entered by line item, including contingency and soft costs
    • Retainage percentage, draw conditions and required documents set
    • Inspector assigned, staff or third-party
    • Borrower and general contractor invited to the borrower portal

  2. Request

    The borrower or contractor submits a draw request against the budget lines, with invoices, lien waivers and change orders attached, and the request is checked for completeness before anyone reviews it.

    • Borrower enters the amount requested per budget line
    • Invoices, conditional lien waivers and change orders uploaded
    • Requests over a line's remaining balance or missing documents flagged
    • Draw administrator accepts the request or returns it with comments

  3. Inspect

    The inspector visits the site and records progress in the mobile app. Each photo carries its location and time, and is tied to the budget line it supports, so the percentage complete is backed by evidence.

    • Inspection order sent to the assigned inspector with the lines to verify
    • Inspector captures photos on site; location and time recorded with each
    • Photos taken outside the site boundary are flagged for review
    • Percentage complete recorded per line, with notes on quality or concerns
    • Inspection submitted and locked against later editing

  4. Approve and fund

    The draw administrator reconciles the request with the inspection, applies retainage and conditions, and sends the draw for approval. Approved draws are passed to your loan or payment system for disbursement; Moraph does not hold or move funds.

    • Requested amounts compared with verified percentage complete per line
    • Retainage applied and any reduction recorded with a reason
    • Title update and lien waiver conditions confirmed
    • Approver reviews and approves, reduces or holds the draw
    • Approved amount sent to your loan or payment system, and funding confirmation recorded

Roles and permissions

Who does what in the product

Each role below is a starting point. During implementation we set them up to match your teams, and every action anyone takes is recorded in the audit trail.

Draw administrator

Construction loan administrator, draw coordinator, loan operations specialist

Takes each draw request from submission to an approval-ready recommendation, making sure it is complete, inspected and reconciled.

Sees

  • Draw requests for the loans they administer, with budgets and documents
  • Inspection results, photos and location flags
  • Draw conditions such as lien waivers, title updates and insurance
  • Their own open work, sorted by stage and age

Does

  • Accepts draw requests or returns them to the borrower with comments
  • Orders inspections and follows up on overdue ones
  • Reconciles requested amounts with verified progress and records reductions with reasons
  • Confirms draw conditions are met
  • Sends draws for approval with a recommendation
  • Records funding confirmation from loan operations

Cannot

  • Approve a draw or a change order
  • Edit a submitted inspection
  • Change a loan's approved budget without an approved change order
Approvals
Every draw they prepare is approved by a draw approver within that person's limits before it is sent for funding.
Notified about
New draw requests, inspections submitted or overdue, location flags, and draws returned by an approver.

Inspector

Construction inspector, site inspector, third-party inspection firm staff

Verifies on site what work is in place, with photos that carry their location and time.

Sees

  • Inspection orders assigned to them, with the budget lines to verify
  • The project address, site boundary and previous inspections for the loan
  • Their own submitted inspections

Does

  • Accepts inspection orders and schedules site visits
  • Captures photos on site and ties each to a budget line
  • Records percentage complete per line, with notes on quality or concerns
  • Works offline where the site has no signal and uploads later
  • Submits the inspection

Cannot

  • See requested draw amounts unless your institution allows it
  • Edit an inspection after submitting it; corrections are added as a new entry
  • See loans they have not been assigned to
Approvals
Their inspections are reviewed by the draw administrator, who can request a re-inspection.
Notified about
New inspection orders, re-inspection requests and orders approaching the date your procedures set.

Loan officer

Construction loan officer, relationship manager, commercial lender

Owns the borrower relationship and keeps track of how each project is progressing.

Sees

  • Their loans' budgets, draws, inspections and conditions
  • Portfolio view for their loans
  • Messages exchanged with the borrower through the portal

Does

  • Requests change orders and budget reallocations on the borrower's behalf
  • Adds notes on project status and borrower conversations
  • Follows up with borrowers on missing documents
  • Flags loans for credit review

Cannot

  • Approve draws on their own loans
  • Edit inspections or reconciliations
  • Release funds
Approvals
Change orders they request are approved by a draw approver or credit officer under your credit policy.
Notified about
Draws on their loans returned, reduced or held, location flags, and loans with no draw activity for a period your policy sets.

Draw approver

Construction lending manager, credit officer, chief lending officer

Decides whether each draw is funded as recommended, reduced or held, within delegated authority.

Sees

  • Draws awaiting their approval, with the reconciliation and inspection evidence
  • Every construction loan within their authority
  • Portfolio and exception reports

Does

  • Approves, reduces or holds draws with a recorded reason
  • Approves change orders and budget reallocations
  • Approves exceptions such as accepting a flagged photo or waiving a condition
  • Sets approval limits for other approvers, where policy allows

Cannot

  • Approve a draw they prepared or on a loan they originated, where your policy requires separation
  • Approve above their limit; the draw routes to the next approver
  • Edit or delete entries in the audit trail
Approvals
Draws above their limit or departing from the inspection route to a second approver.
Notified about
Draws and change orders waiting for approval, and draws held past the period your procedures set.

Loan operations

Loan servicing specialist, disbursement or funding team

Releases approved funds through your own systems and confirms funding back on the draw.

Sees

  • Approved draws ready for funding, with amounts and payees
  • Funding status of each draw

Does

  • Picks up approved draws for disbursement in your loan or payment system
  • Records the funding confirmation on the draw
  • Returns a draw where funding details are incomplete

Cannot

  • Change an approved amount
  • Approve or reconcile draws
Approvals
They act only on draws already approved; any change goes back to the draw approver.
Notified about
Draws approved and ready for funding.

Borrower or contractor

Borrower, developer, general contractor (external)

Requests draws and supplies the documents the lender needs to release funds.

Sees

  • Their own loans' budgets, draws to date and remaining balances
  • The status of each draw request and the approved amount
  • Documents still required

Does

  • Submits draw requests against budget lines
  • Uploads invoices, lien waivers and change order requests
  • Answers questions from the draw administrator

Cannot

  • See other borrowers' loans
  • See internal notes, approvals or inspection details unless shared
  • Change the budget without an approved change order
Approvals
Every request they submit is reviewed and approved by lender staff.
Notified about
Draws returned for more information, approved, reduced or funded.

Auditor or examiner (read-only)

Internal auditor, loan review, regulatory examiner (under temporary access)

Reviews draws, the evidence behind them and the approvals without being able to change anything.

Sees

  • Loans, budgets, draws and inspections within the scope granted
  • Portfolio and exception reports
  • The audit trail

Does

  • Searches and reads records within their scope
  • Exports records and reports they have been given access to, with each export logged
  • Leaves review notes where the institution enables them

Cannot

  • Change, approve or delete anything
  • See records outside the scope and dates granted
  • Keep access after it expires
Approvals
Their access is approved by the construction lending manager or an administrator, with a scope and an end date.
Notified about
Nothing by default; access granted and expiring is confirmed to the person who approved it.

Administrator

Application administrator, lending systems administrator

Manages users, roles and configuration for the lending team.

Sees

  • Users, roles, inspector firms and approval limits
  • Budget templates, draw conditions and checklists
  • The record of permission changes

Does

  • Adds and removes staff users, or maps them from single sign-on groups
  • Invites and deactivates inspectors and borrowers
  • Maintains templates, checklists and draw conditions
  • Runs access review reports

Cannot

  • Approve draws or change orders
  • Change approval limits without the construction lending manager's approval
  • Edit inspections or draw amounts
Approvals
Changes to approval limits are approved by the construction lending manager.
Notified about
Access reviews coming due and accounts not used for a period your policy sets.

Permissions at a glance

ActionDraw adminInspectorLoan officerApproverLoan opsBorrowerAuditorAdmin
Submit a draw requestFullNo accessFullNo accessNo accessOwn work onlyNo accessNo access
Order an inspectionFullNo accessNo accessFullNo accessNo accessNo accessNo access
Record an inspectionNo accessOwn work onlyNo accessNo accessNo accessNo accessNo accessNo access
Reconcile a drawFullNo accessView onlyView onlyNo accessNo accessView onlyNo access
Accept a location-flagged photoNo accessNo accessNo accessApprovesNo accessNo accessNo accessNo access
Approve, reduce or hold a drawNo accessNo accessNo accessApprovesNo accessNo accessNo accessNo access
Approve a change orderNo accessNo accessNo accessApprovesNo accessNo accessNo accessNo access
Record funding confirmationFullNo accessNo accessNo accessFullNo accessNo accessNo access
View draw statusFullNo accessOwn work onlyFullView onlyOwn work onlyView onlyNo access
View audit trailView onlyNo accessNo accessView onlyNo accessNo accessView onlyView only
Manage users and rolesNo accessNo accessNo accessApprovesNo accessNo accessNo accessFull
  • Full
  • Own work only
  • Approves
  • View only
  • No access

How access is controlled

  • Separation is built in: the person who prepares a draw does not approve it, inspectors cannot edit an inspection once submitted, and nobody changes an approved amount after approval.
  • Roles are configured with you during implementation. You can rename them, create custom roles, and limit them by region, branch, loan type or approval limit.
  • Every permission change is recorded in the audit trail with who made it and when, and access review reports list each person's roles for periodic certification.
  • Staff sign in through your identity provider, and roles can follow its groups. Inspectors and borrowers are invited individually and see only the loans assigned to them; auditors and examiners get temporary read-only access with a scope and an end date.

Features

What it does

Line-item budgets

Each loan's budget by line, with amounts drawn, remaining, retainage held and contingency used, kept current with every approved draw and change order.

Mobile inspection app

Inspectors work from a phone or tablet, see the lines to verify, capture photos and record percentage complete on site.

Geo-tagged evidence

Every inspection photo carries the device's location and time, and photos taken away from the project site are flagged for the draw administrator.

Offline capture

Inspections can be recorded where the site has no signal and are uploaded when the device reconnects, keeping the original capture time.

Draw reconciliation

Requested amounts shown beside verified progress for each line, with differences highlighted before the draw goes for approval.

Retainage tracking

Retainage held per line and per contractor, and its release recorded against completion and final lien waivers.

Lien waivers and title

Conditional and unconditional lien waivers, and title update or date-down requirements, tracked as conditions on each draw.

Change orders

Budget reallocations and change orders requested, reviewed and approved with the reason, and the budget history kept.

Borrower portal

Borrowers and contractors submit draws, upload documents and see the status of each request without email back and forth.

Approval limits

Draws routed to approvers by amount, loan type or exception, with a second approval when a draw departs from the inspection.

Portfolio view

Every construction loan with its percentage complete, funds disbursed, remaining budget and days since the last draw.

Draw history and audit trail

Who requested, inspected, reconciled and approved each draw, and when, with the evidence that supported it.

Integrations

How it connects to your systems

Connects toHowWhat flows
Loan origination and servicingLoan, borrower and commitment details from your loan system, and approved draw amounts sent back for disbursement, mapped during implementation.In: loan, borrower and commitment data. Out: approved draw amounts and status.
Payment or disbursement systemApproved draws are passed to the system your institution uses to move funds, and the funding confirmation is recorded on the draw.Out: approved disbursement instructions. In: funding confirmation.
Third-party inspection firmsOutside inspectors use the same mobile app under their own accounts, or upload their reports where their firm uses its own tools.In: photos, locations, times and percentage complete per line.
Title and escrowTitle update and date-down results recorded as draw conditions, by upload or file exchange with the title company you use.In: title updates and exceptions.
Collateral monitoringConstruction progress and funds disbursed shared with Moraph's Dynamic Collateral Monitor or your own collateral system.Out: percentage complete, disbursed and remaining budget per loan.
Single sign-onStaff sign in through your identity provider (SAML or OpenID Connect).In: user identity and group membership for role assignment.
Work APILoan, draw and inspection data available to your data warehouse and reporting tools through the Moraph Work API.Out: draws, inspections, approvals and budget status.

Each integration is confirmed in discovery and specified in the design. See how an engagement progresses.

Security and privacy

How your data is protected

Single sign-on

Staff sign in through your identity provider, so your password and multi-factor policies apply. Inspectors and borrowers use invited accounts with multi-factor authentication.

Role-based access

What each person can see and do follows their role; preparing a draw is separate from approving it, and borrowers see only their own loans.

Evidence integrity

Inspection photos keep their capture location and time, and a submitted inspection cannot be edited; corrections are recorded as new entries.

Encryption and keys

Client data is encrypted, with keys Moraph staff cannot use without explicit, time-bound authorization.

Complete audit trail

Every view, change, approval and export is logged with the person and time, and cannot be edited.

Data residency

Data stays in the hosting region you choose: the United States, the United Kingdom or Australia.

Company-wide controls, independent audits (SOC 2 Type II and ISO/IEC 27001) and data residency are described in our Trust Center, where you can request the evidence pack.

Reporting

What you can report on

10 standard reports, grouped by who uses them. Each shows who it is for, how it can be broken down, how it is delivered and what it is used for. The data behind them is also available to your own reporting tools.

Operational

Draws in progress

For draw administrators and the construction lending manager

Every open draw with its stage, amount requested, assignee and age, so stuck draws are visible.

Break down by
Stage, Administrator, Loan type, Age band
Delivered as
Live dashboard; CSV export
Used for
Keeping draws moving and balancing work across administrators.

Inspections status

For draw administrators and inspection coordinators

Inspections ordered, scheduled, submitted and overdue, with location flags raised on submitted inspections.

Break down by
Inspector or firm, Status, Location flag, Region
Delivered as
Live dashboard; scheduled email
Used for
Following up overdue inspections and reviewing flagged evidence.

Outstanding conditions

For draw administrators and loan officers

Lien waivers, title updates, insurance and other conditions still open on each loan and draw.

Break down by
Condition type, Loan, Borrower, Days open
Delivered as
Live dashboard; CSV export
Used for
Clearing conditions before they hold up funding.

Portfolio and credit

Construction portfolio progress

For chief lending officer, credit administration and the board

Each construction loan's commitment, funds disbursed, remaining budget and percentage complete, and loans where disbursement runs ahead of verified progress.

Break down by
Loan type, Region, Loan officer, Completion band, Risk rating
Delivered as
Live dashboard; PDF for credit committee; CSV export
Used for
Oversight of the construction book and its concentration.

Stalled projects

For loan officers and credit officers

Loans with no draw or inspection activity for a period you set, and those whose remaining budget may not cover the remaining work.

Break down by
Days since last draw, Loan officer, Remaining budget, Contingency used
Delivered as
Live dashboard; scheduled email
Used for
Spotting trouble early and deciding on follow-up with the borrower.

Budget and change orders

For credit officers and loan officers

Change orders and reallocations by loan, contingency used, and how each budget has changed since approval.

Break down by
Loan, Budget line, Change type, Approver
Delivered as
Live view; CSV and PDF export
Used for
Understanding where projects are running over and evidencing change approvals.

Retainage held

For loan operations and credit officers

Retainage held and released by loan, line and contractor, and what is due for release on completion.

Break down by
Loan, Contractor, Budget line, Status
Delivered as
Live view; CSV export
Used for
Releasing retainage correctly at completion.

Audit and exam

Draw evidence file

For loan review, internal audit and examiners

For a selected loan or draw, the request, documents, inspection photos with location and time, reconciliation, approvals and funding confirmation.

Break down by
Loan, Draw, Date range
Delivered as
On request in the product; PDF export
Used for
Answering requests for evidence on a specific loan without assembling it by hand.

Exceptions and overrides

For construction lending manager, loan review, examiners

Draws approved above verified progress, accepted location flags, waived conditions and approvals above limit, with who approved each and why.

Break down by
Exception type, Approver, Loan officer, Period
Delivered as
Live view; PDF and CSV export
Used for
Showing that exceptions were deliberate and approved under policy.

Audit trail extract

For internal audit and examiners

Who did what, when and why for a selected loan, draw or period, including notes, decisions and approvals.

Break down by
Record, User, Action, Date range
Delivered as
On request in the product; CSV and PDF export
Used for
Answering auditor and examiner requests for evidence.

Exports, access and evidence

  • Every report can be exported to CSV, and summary and evidence reports to PDF. Reports can be scheduled to arrive by email for the people entitled to see them.
  • Each report can be filtered and the filters saved, so a loan officer or credit officer can keep their own views.
  • Loan, draw and inspection data is available through the Moraph Work API, and can be delivered to your data warehouse or business intelligence tool alongside other credit data.
  • Reports respect each viewer's role: a loan officer sees their own loans, the construction lending manager sees the whole book, and borrowers never see internal reports.
  • Evidence and exception reports can be run as of a past date and give the same result each time. Running and exporting a report is itself recorded in the audit trail.

Deployment

Where and how it runs

Moraph cloud

Hosted and operated by Moraph in the United States region. United Kingdom and Australia regions are available for institutions outside the US.

Dedicated environment

A single-tenant environment for institutions whose policies require isolation, scoped in the proposal.

Mobile app

The inspection app runs on current iOS and Android phones and tablets, and can be distributed through your mobile device management.

Security controls, independent audits and data residency are set out in our Trust Center. Engagement models and what drives a quotation are on Working with Moraph.

Implementation

What a rollout involves

The general phases are on Working with Moraph. For this product, they involve the following.

Loan data mapping

We map your loan system's construction loans, borrowers and commitments to the product and agree how approved draws flow back. We need a data extract and a contact from your loan operations team.

Budget and draw templates

Budget line structures, draw conditions, required documents and retainage rules are set up for your construction loan products.

Inspection setup

Inspection checklists, site boundary rules and the treatment of out-of-boundary photos are agreed, and staff and third-party inspectors are invited.

Approval rules and roles

Approval limits, exception routing and roles are configured to match your credit policy and procedures.

Active loan migration

Loans already under construction are loaded with their budgets and draws to date, by agreement on which loans move and which finish in the old process.

Training and go-live

Draw administrators, approvers, inspectors and borrowers are trained on their own workflows, and the first draws are worked with Moraph alongside.

Limitations

What it does not do

Worth knowing before you evaluate it.

  • The product does not hold, move or disburse funds. Approved draws are passed to your loan or payment system, and your staff release the money.
  • Location and time come from the inspector's device. They are strong evidence that photos were taken on site, but they do not replace the inspector's professional judgment or your own controls over who inspects.
  • It does not perform appraisals or evaluations, and percentage complete is the inspector's assessment, not a valuation.
  • It is not a loan origination or servicing system; loan terms, interest and payments stay in your existing systems.
  • Title searches and lien waivers are provided by the borrower and title company; the product tracks them as conditions but does not obtain them.
  • It is designed for US construction lending practice. Lending in other countries may need different conditions and documents.
  • Approval decisions remain your institution's; the product records and routes them but does not approve draws on its own.

Evaluation checklist

What to test in a demonstration or pilot

Questions worth putting to us, and to any other vendor you are considering.

  1. Load one of your active construction loans and its budget, and walk a draw from request to approval
  2. Have an inspector record a site visit in the mobile app, including a location without signal
  3. Check how a photo taken outside the site boundary is flagged and handled
  4. Compare the reconciliation screen with how your team checks draws today
  5. Confirm role separation: who can prepare, approve and release a draw
  6. Review the draw history and audit trail an examiner would see for one loan

Questions

Frequently asked questions

Does Moraph hold or disburse the loan funds?

No. Moraph does not hold funds. The product records approved draw amounts and passes them to your loan or payment system, and your staff release the money.

Can we use our existing third-party inspectors?

Yes. Outside inspectors can be invited to use the mobile app under their own accounts, or upload their reports where their firm uses its own tools; uploaded reports are marked as such.

What happens if a photo is taken away from the site?

It is flagged for the draw administrator, who decides whether to accept it with a note or request a new inspection. The decision is recorded.

Can borrowers see the inspection results?

Only if you choose. Borrowers see the status of their draws and the approved amounts; whether they see inspection notes and photos is set during implementation.

How is it priced?

As a subscription, usually measured by the number of active construction loans, with implementation charged separately. See Working with Moraph for what drives a quotation.

Is there an accessibility conformance report?

Ask for one through the procurement request form at /how-to-buy/request, naming the version you are evaluating.

Next steps

Evaluate Construction Loan Draw Management

Book a demonstration

See the product working with sample data, focused on your workflows.

Request a demonstration

Request a technical briefing

Architecture, integrations, security and hosting, with our engineers and your technical team.

Request a briefing

Factsheet

This page on two sides, to share with colleagues or add to your evaluation file.

Open the factsheet

Buying through a formal procurement? See How to buy for purchasing routes, accessibility conformance reports and company information. Documentation: Construction Loan Draw Management guides on docs.moraph.com (getting started and security guides are public; setup, administration and integration guides are for client accounts). Support: Construction Loan Draw Management support guide.

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