Draw Schedule Builder
Turn a construction budget into a draw schedule and a one-page borrower draw guide
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with The Helvetica Group. That introduction is what keeps every skill here free.
What this skill does
Sets up how a construction or rehab loan will pay out before the first dollar moves: turns the budget into line items, groups them into draws tied to stages an inspector can check, and writes plain instructions telling the borrower exactly what to send for each draw.
What it does
- Turns the contractor's budget into a schedule of values that adds up to the loan holdback
- Groups lines into draws tied to clear, inspectable stages — ideally the city's own inspections
- Applies the contract's retainage and shows gross, retainage and net for every draw
- Lists what every draw and the final draw require: invoices, lien waivers, dated photos, inspection, insurance
- Checks at every stage that the money left is enough to finish, so budget problems surface at closing, not mid-build
When to use it
- A construction or rehab loan is about to close
- A contractor's bid needs to become a draw schedule
- A borrower keeps sending incomplete draw requests
- You are standardizing draw setup across your loans
What to have ready
- The line-item construction or rehab budget
- The loan holdback amount
- Retainage and draw terms from the contract and loan documents
- The build schedule, if you have one
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"Build the draw schedule for [ADDRESS] — budget attached, [HOLDBACK] holdback, [RETAINAGE]% retainage per the contract, [MONTHS]-month build."
What you get back
A lender draw schedule (schedule of values, draw table, requirements, in-balance check and rules) plus a plain-English draw instruction sheet for the borrower, ready for you to review and send.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
- It never assumes a retainage rate, draw count or fee, and it treats lien-waiver and retainage rules as state-specific questions for counsel or title.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Draw Schedule Builder
Most draw disputes are baked in at closing. The budget was never turned into a schedule of values, nobody agreed what "framing complete" means, the borrower learns about lien waivers on draw two, and the first draw funds 30% of the holdback for 15% of the value. This skill builds the schedule the loan will be administered against — before money moves — and hands the borrower a one-page set of instructions they can actually follow.
Works for: ground-up construction, heavy rehab, and fix-and-flip holdbacks; single-family through small multifamily. It sets the schedule up; reviewing each draw as it arrives is the job of construction-draw-reviewer, and the interest reserve (which is not part of the borrower's draws) is sized by interest-reserve-calculator.
Step 1 — Intake
| Input | Required? | Notes |
|---|---|---|
| Construction or rehab budget | ✅ | Line items with dollar amounts; contractor's bid or schedule of values if one exists |
| Loan holdback amount | ✅ | What the lender funds for construction; must reconcile to the budget |
| Borrower equity requirement | ✅ | Whether borrower funds must be spent first, pro rata, or not at all |
| Project type and scope | ✅ | Ground-up, gut rehab, cosmetic rehab; square footage; unit count |
| Construction schedule | Helpful | Months per phase; the draw calendar comes from it |
| Retainage terms | Helpful | From the construction contract and loan terms; if none, ask — do not assume a percentage |
| Contingency amount and release rule | Helpful | Inside or outside the holdback; who approves its use |
| Draw rules from the term sheet or loan agreement | Helpful | Maximum number of draws, minimum draw size, inspection fees, funding turnaround |
| Local building-inspection sequence | Helpful | Municipal inspections usually mark the cleanest milestones |
Minimum viable: a line-item budget and the holdback amount. If the budget is a single lump sum, stop and ask for a line-item breakdown — a draw schedule built on a lump sum cannot be inspected.
Step 2 — Turn the budget into a schedule of values
- Foot the budget. Lines must sum to the stated total and the holdback plus borrower-funded portion must equal it. If not, reconcile before anything else.
- Split mixed lines. A plumbing line paid in two visits (rough-in, then trim) becomes two
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
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