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Drawn by a licensed architect Construction Loan Draw Schedule + Interest Tracker · $22 Browse the collection
Quire Paper / Technical & professional / Construction Loan Draw Schedule + Interest Tracker
For Excel & Google Sheets

A construction loan funds draw by draw. Run it like you know that.

The bank doesn't hand you the money — it funds what the inspection supports, one draw at a time, and charges interest on every funded dollar from the day it lands. Most borrowers find out what that costs at the end. This workbook is the working file for the whole loan: a draw schedule by construction phase that computes each request the way a lender's inspector actually funds it (budget × % complete, less what you've already drawn), a draw log with a running outstanding balance and a live interest-carry estimate per period, and a dashboard that reads utilization, remaining availability, and interest against the reserve at a glance. Built by a licensed architect who has watched these loans from both sides of the draw request.

Available soon See what's inside
Excel & Google Sheets · pure formulas, no macrosEarned-value draw requests by phase + actual/365 interest-carry chainSample loan included · yours in minutes
Construction Loan Draw Schedule + Interest Tracker cover

The interest clock starts
the day each draw funds.

The actual workbook

This is the dashboard itself — not a mockup.

As it opens in Excel or Google Sheets: the funded-balance and estimated-interest heroes, the verdict strip (budget vs available funds, pending draw requests, interest reserve), the KPI ribbon, the draw history with the interest-carry chain, and the phases with the most work left to fund.

Construction Loan Draw Schedule + Interest Tracker — the actual workbook, full size
Shown with the included sample loan — a $425,000 custom-home construction loan mid-build: four draws funded, one pending, and the interest estimate running against an $18,000 reserve. Overwrite the green cells with your own loan and everything recalculates instantly.
How it works

Set up the loan. Earn the draws. Watch the carry.

One setup tab, one schedule, one log — and a dashboard that calls the picture.

01

Set up the loan once

Loan amount, rate, closing date, term — plus the interest reserve and contingency the lender holds back. AVAILABLE FOR CONSTRUCTION is what's actually left to build with, and a check flags a budget that outgrows it.

02

Budget by construction phase

Phases in build order, a budget per line — sitework to final grading. It's the same structure a lender's inspector walks the job with, and it pairs line-for-line with the Owner-Builder Construction Budget.

03

Let the schedule compute each request

Update % complete to what the inspection supports. EARNED = budget × % complete, and THIS DRAW REQUEST = earned less previously drawn — G702-style earned-value logic, per line and in total.

04

Catch the red flags

A line drawn ahead of its % complete flags red — that's the line the inspector asks about. Live requests read green, and pending draws flag red on the log until they fund.

05

Log every draw as it funds

Date, requested, funded, inspection, status. The log keeps a running outstanding balance and estimates each period's interest — prior balance × rate ÷ 365 × days — the interest-carry chain, cumulatively.

06

Read the loan at a glance

Funded balance and remaining availability, estimated interest against the reserve (and roughly how many months of reserve are left at the current balance), pending requests, contingency, and the phases with the most work left to fund.

What's inside

Five tabs. Zero macros. Every number a live formula.

  • DashboardFunded-to-date and estimated-interest heroes, three verdicts (budget vs available funds, pending draws, interest reserve), a 6-KPI ribbon, the draw history with per-period interest, and the biggest balances still to fund.
  • Loan SetupThe loan, the rate, the closing date and term, the interest reserve and contingency set-asides — and what's actually available for construction, with a budget-fit check.
  • Draw Schedule24 phase lines with budget, % complete, earned to date, previously drawn, this draw request, balance to finish, and % drawn — plus totals, the weighted % complete, and the current-request hero row.
  • Draw Log + Interest Carry18 draw rows: date, requested, funded, inspection and status dropdowns, running outstanding balance, days per period, estimated interest per period, and the cumulative interest-carry chain.
  • How to UseQuick start, how the earned-value draw math and the interest estimate work, what the red flags mean, and the unlock password.
Inside Construction Loan Draw Schedule + Interest Tracker
Get it now
$22 · one-time

Construction Loan Draw Schedule + Interest Tracker

One-time $22 for the whole loan file — the natural companion to the Owner-Builder Construction Budget (same phase structure), and it slots next to the Payment Application + SOV when you're the one being drawn against.

Available soon
Instant download · Personal/single-business license · A planning and tracking tool — not lending, mortgage, tax, or financial advice. Interest figures are estimates; your lender's own draw forms, inspections, and statements govern.
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