TerraLine is the borrower-side draw management cockpit for SFR developers, owner-builders, and small GCs. Live budgets, field-captured evidence, structured change orders, and a one-click lender package — so your construction loan funds on time, every time.
14-day free trial · No credit card · Founding-customer pricing for the first cohort
A live snapshot of the cockpit on a typical SFR build — Draw 03 in lender review, Draw 04 already auto-drafted from the schedule.
Captured from the field via the mobile cost-event capture link · auto-tagged to budget line, vendor, and draw.
The draw package isn't the hard part of building. The hard part is everything around it — and most tools make it worse.
You stop building to chase invoices, lien waivers, and field photos from three different tools — then reformat them into whatever spreadsheet your lender wants this month.
A returned draw means another two-week delay on funding, another conversation with subs about late checks, and another weekend you spend rebuilding the package.
Line items live in Excel, draws live in Word, photos live on your phone. No one — including you — has a single up-to-date picture of where the money has gone.
Banks treat self-managed projects like an afterthought. Without a polished package, you spend twice as long proving the same work that a GC would breeze through.
Designed end-to-end for the construction loan draw — not bolted on to project management or accounting software.
Land, soft costs, site work, foundation, framing, MEP, finishes, contingency — every dollar tied to a budget line, a vendor, and a draw phase. No more reconciling spreadsheets the night before submission.
Send a token-gated capture link to your foreman or subs. Receipts, lien waivers, and progress photos land directly on the right line item — no email forwarding, no Dropbox dump.
Cover letter, cost summary, G702/G703-style breakdown, sworn statement, lien waivers, photos and inspector reports — generated as a single PDF your lender will actually accept without redlines.
See approved budget, funded-to-date, and forecast at completion in real time. Catch overruns before they catch you — and prove to your lender that contingency is doing its job.
Capture every CO with cost impact, reason code, and approval. Your live budget updates automatically — and so does the next draw, because nothing should ever fall through a thread.
Most draw tools are designed for the lender. TerraLine is built for the developer or owner-builder writing checks — fast to set up, no IT lift, and priced for projects that aren't 30-story towers.
No onboarding call required. You can have your first project tracked end-to-end before lunch.
Set address, loan amount, contingency, and your draw schedule (use one of our templates or import your lender's). Takes about 5 minutes.
Log invoices, change orders, and field photos against budget lines — directly or via the mobile capture link your foreman and subs can use.
When the milestone hits, click once. TerraLine assembles cover letter, cost summary, G702/G703-style schedule, lien waivers, and photo evidence into a single lender-ready PDF.
Running 1–10 active builds with a construction lender behind each one. TerraLine replaces the per-project spreadsheet and Dropbox folder with a single cockpit so you can scale projects without scaling headcount.
Self-managing your own home or rental build. Banks expect a polished draw package even though you don't have a CFO. TerraLine gives you the same polish with none of the back-office.
Building for clients with construction loans. Hand off a transparent, audit-ready draw package every cycle — and stop being the bottleneck between your client and their funding.
The first cohort of SFR developers and owner-builders gets locked-in pricing for the lifetime of their account. 14-day free trial, then founding pricing kicks in.
No credit card required · Cancel any time
Free tool to draft a milestone-based draw schedule your lender will accept.
What to include in every draw, common reasons lenders return packages, and how to avoid them.
Copy-and-paste milestone schedule for SFR ground-up and major rehab projects.
What is construction draw management software?
Draw management software is the system you use to assemble, submit, and track requests for construction loan disbursements. A good draw-management tool keeps your budget, actuals, vendor invoices, lien waivers, and progress photos in one place — and turns them into the lender-ready package required to release funds at each milestone.
Who is TerraLine's draw management built for?
TerraLine is built for the borrower side of the construction loan: SFR developers, owner-builders, and small general contractors managing their own draws against a construction loan. It's not designed for institutional lenders managing portfolios — it's designed for the developer or owner-builder writing checks.
Will my lender accept TerraLine's draw exports?
Yes. TerraLine exports a lender-ready PDF that includes a cover letter, line-item cost summary, percentage-complete schedule (G702/G703-style), supporting invoices, lien waivers, and photo evidence. You can also customize the package layout to match a specific lender's template.
How is this different from a spreadsheet or QuickBooks?
Spreadsheets don't enforce a draw schedule, don't tie photos and lien waivers to line items, and don't generate a lender package. QuickBooks tracks accounting transactions but isn't built around the milestone-based draw workflow construction lenders require. TerraLine is purpose-built for the construction loan draw cycle end-to-end.
Does it work for ground-up SFR, ADUs, and renovation projects?
Yes. Project templates cover ground-up single-family, ADUs, multi-unit residential, and major renovations. The draw schedule and budget structure adapt to each project type, and contingency/change-order tracking works the same way regardless of asset class.
What does it cost?
TerraLine is priced for borrower-side teams. Founding-customer pricing is available for the first cohort of SFR developers and owner-builders — see /pricing for the current rate. There's a 14-day free trial and no credit card required to start.