TerraLine is purpose-built construction finance software for developers, GCs, and owner-builders. Replace the spreadsheet with a live budget tracker that speaks your lender's language — draw schedules, line-item exports, and real-time cost visibility across every project.
14-day free trial · No credit card required
Built from the ground up for construction finance — not adapted from generic project management tools.
See your committed costs, actual spend, and remaining budget at a glance across every line item. No manual reconciliation — your budget updates the moment you log a cost event.
Define draw milestones tied to construction phases — foundation, framing, MEP rough, finishes, final. TerraLine tracks which draws have been submitted, approved, and funded.
Generate formatted draw request PDFs that your lender or title company accepts without redlines. Includes line-item detail, percentage complete, and stored receipts — ready to submit in minutes.
Maintain a complete vendor directory tied to your budget lines. Track contract amounts, invoices, and payment status for every sub, supplier, and service provider on the job.
Log invoices, change orders, and cost events as they happen — not at month-end. Each entry is timestamped, categorized to a budget line, and available for lender review on demand.
Capture scope changes, owner-initiated additions, and unforeseen conditions as structured change orders. Every CO is priced, approved, and folded into your running budget automatically.
No onboarding call required. Import your existing budget or build one from scratch.
Set up a project with your address, loan amount, and target completion date. TerraLine pre-structures a budget template based on your project type — ground-up residential, commercial TI, or ADU.
Import a spreadsheet or build your budget line by line: land, soft costs, site work, foundation, framing, roofing, MEP, finishes, and contingency. Assign budgets, contractors, and draw phases to each line.
Log invoices and cost events as the job progresses. When it's time to draw, TerraLine generates a lender-formatted PDF in seconds — showing exactly what was spent, by whom, against your approved budget.
Every developer starts with a spreadsheet. Most wish they'd switched sooner.
$120M+
in construction projects tracked
Trusted by residential developers, commercial GCs, and owner-builders managing projects from $200K ADUs to $40M mixed-use developments. TerraLine keeps every job financially on track — from ground break to certificate of occupancy.
94%
of draw requests submitted without lender revisions
3.2 hrs
saved per draw cycle compared to manual methods
< 10 min
average time to generate a lender draw package
Stop reconciling spreadsheets the night before a draw. TerraLine keeps your budget live, your lender informed, and your project on track — from the first site visit to the final inspection.
No credit card required · Cancel any time
What is a construction budget tracker?
A construction budget tracker is software that monitors your project's financial position in real time — tracking original budget, committed costs, actual expenditures, and remaining balance for every line item across a construction project. Unlike generic accounting tools, a purpose-built construction budget tracker understands draw schedules, lender reporting requirements, change orders, and the phase-based nature of construction finance.
How is TerraLine different from using a spreadsheet?
Spreadsheets break down under the weight of a real construction project: multiple team members editing simultaneously, no audit trail, manual copy-paste into draw request documents, and no connection to your lender's workflow. TerraLine is purpose-built for construction — it handles draw scheduling, lender exports, change order tracking, and vendor cost management out of the box, with no formulas to maintain.
Can TerraLine generate lender draw request documents?
Yes. TerraLine exports formatted PDF draw requests that include line-item detail, percentage complete, contractor information, and a cost event summary. Most lenders accept TerraLine's export without modification. You can run a draw report at any point in the project, not just at scheduled draw dates.
Does TerraLine work for both residential and commercial construction?
TerraLine is designed for real estate developers and GCs across project types: ground-up single-family and multifamily residential, commercial tenant improvements, mixed-use, and ADUs. The budget structure adapts to your project type, and draw schedules can be configured to match your lender's requirements regardless of asset class.
How do I handle change orders in TerraLine?
Change orders are logged as structured entries — each with a description, cost impact, reason code (owner-requested, unforeseen conditions, scope clarification), and approval status. Once approved, the CO value rolls into your live budget automatically, updating remaining balances and your next draw report. You'll always know exactly how much your project has grown from the original budget.