Statutory form conformance
Every waiver is checked against the state's mandated form (if any). Non-conforming waivers are flagged as critical defects — California and Texas void non-compliant waivers outright.
The most rigorous draw compliance package a construction lender can rely on.
DrawCert assembles a certified Draw Compliance Package for every construction-loan draw — lien-waiver statutory-form conformance, amount reconciliation, missing-waiver detection, and a fund-release recommendation — checked against state-specific statutes and reviewed by a licensed Draw Compliance Officer before release.
Every lien waiver checked against state statutory formAmount reconciliation to the pennyMissing-waiver detection by severityLicensed Draw Compliance Officer review5-business-day SLA
Why draws get delayed
A single defective lien waiver can freeze a draw and cost $50,000–$500,000.
Every construction-loan draw is gated on proof that money already advanced reached the subcontractors who earned it — proof that takes the specific legal form of a lien waiver conforming to that project's state's statute. Miss a statutory form requirement, accept a waiver that doesn't match the payment amount or period, or overlook a missing waiver entirely, and the draw stalls. A single lien event can cost $50,000–$500,000 in legal fees and project delays.
Most lenders review waivers manually, draw by draw, relying on loan officers or title clerks who see this work once a quarter. The statute library is not maintained; the reconciliation is done in spreadsheets. That is exactly where compliance gaps hide.
DrawCert exists to close that gap with a single, exhaustive standard applied identically to every draw.
82%
of contractors now face payment waits over 30 days — up from 49% two years earlier
The benchmark
Measured against state statutory forms and interagency CRE-lending guidance.
We do not summarize the law and hope. Every Draw Compliance Package is scored against a versioned rule pack tied to each project state's lien-waiver statute and federal regulatory expectations. These are the provisions each package is held to.
Draw disbursement policy compliance
The package documents that the lender's draw policy was followed: lien waivers reconciled, budget-to-date verified, and exceptions noted — meeting examiner expectations for controlled disbursement.
Waiver type and period matching
Each waiver is classified as conditional/unconditional and progress/final, and its through-date and amount are reconciled against the payment application. Mismatches are flagged by severity.
Missing-waiver detection
Every subcontractor listed on the prior draw's pay application must have a corresponding waiver. Missing waivers are identified and escalated.
Timeliness and expiration check
Waivers are checked for timeliness relative to the payment date and lien-filing deadlines. Expired or stale waivers are flagged.
Versioned form library maintenance
Our library of state statutory waiver forms is updated within 30 days of any legislative change. Each package cites the version used.
How a package is built
Intake to officer release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A licensed Draw Compliance Officer signs every release. That order is never reversed.
01
Draw Gap Scan
Upload the draw request, pay applications, and lien waivers. We return a free compliance read: which waivers conform, which are missing, and which are defective.
02
Waiver intake & parsing
AI extracts claimant, amount, project, through-date, and waiver type from each waiver PDF. Data is cross-referenced against the pay application and budget.
03
Statutory form check
Each waiver is compared against the state's statutory form (if any) using our versioned library. Deviations are flagged as critical or non-critical.
04
Reconciliation & missing-waiver detection
Waiver amounts and periods are reconciled to the payment application to the penny. Missing waivers are identified and escalated by severity.
05
Officer review & certification
A licensed Draw Compliance Officer reviews the exception queue, resolves ambiguities, and certifies the package. High-value or complex draws route to senior review.
06
Delivery
You receive the certified Draw Compliance Package: waiver conformance report, reconciliation log, missing-waiver register, and fund-release recommendation — ready for the lender to rely on.
The bar we hold
Rigor you can measure.
100%
Officer-reviewed
No package ships without a licensed Draw Compliance Officer signature.
5 days
Standard SLA
From complete intake to certified package.
<1%
Critical-defect target
Tracked against a gold-standard package library.
12+
State statutory forms maintained
Updated within 30 days of legislative change.
Why DrawCert
Built to be the most thorough compliance option a lender has.
Done-for-you, not self-serve software
We do the work — you get a certified package. No platform to configure, no training required.
Deterministic, not vibes
The gates that decide compliance are code, not a model's opinion. A statutory-form deviation cannot slip past.
In its lane, on purpose
We certify documentation. We never hold funds, never contact subcontractors, and never provide legal advice.
Engagement
Flat fee per draw, scaled by subcontractor count and state complexity. No contingency, ever.
Simple, predictable, and aligned with a compliance standard — not a percentage of loan value.
- A free Draw Gap Scan before you commit — see exactly what is missing.
- One flat fee per certified Draw Compliance Package; disclosed pass-through for expedited searches if needed.
- Optional monthly portfolio-monitoring subscription for active draws.
- No hourly billing, no percentage of loan value, no contingency.
FAQ
Questions, answered precisely.
Is DrawCert a law firm?
No. DrawCert, a service of Your Deputy, Obuke LLC, provides documentation-compliance services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for complex or high-value draws.
Do you contact subcontractors or hold funds?
Never. DrawCert is not a debt collector and does not contact subcontractors or hold any funds. The lender remains responsible for all disbursement decisions.
What makes a package 'certified'?
Certification means a licensed Draw Compliance Officer has reviewed the package, verified that all statutory-form checks, reconciliations, and missing-waiver detections have passed deterministic gates, and signed the release.
How fast is it?
The standard SLA is five business days from complete intake to a certified package. The free Draw Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per certified package, scaled by subcontractor count and state complexity. No hourly billing, no percentage of loan value, and no contingency.
See what's missing before it freezes a draw.
Start with a free Draw Gap Scan. Send your draw request, pay applications, and lien waivers — we'll return a compliance read against state statutory forms and reconciliation standards.
Documentation-compliance service · not legal advice · the lender makes all disbursement decisions.