BBuilt Draw Agent

Built’s Draw Agent reviews construction loan draw requests the way a loan administrator would: it reads every page of the package, checks the budget, inspection, lien waivers and insurance against the lender’s policies, and in its most autonomous mode approves and funds draws that pass. In production, average review time fell from 90 minutes to 3, according to a case study by MightyBot, the agent platform Built uses. Named lenders include Zions Bancorporation, Anchor Loans and AgSouth Farm Credit.

It is best for banks and lenders with steady construction loan volume that run, or will run, draws through Built’s loan administration platform. Pricing is shared by quote, and the agent works within Built’s platform. We rate it 8.2/10 on our scale. We have not used the Draw Agent ourselves; this review is based on Built’s announcements and product pages, a partner case study, HousingWire reporting and Capterra reviews.

Built’s Confirmed Speed and Capacity Results

Built and its partners have published more specific results than most construction agent vendors. These are the figures we confirmed on the source pages.

For a lender, the 90-minute-to-3-minute figure matters less on its own than what it implies for capacity: ten times more draws per administrator means construction lending can grow without hiring in loan administration. The risk-detection figure matters for credit quality, since draws are where construction loans go wrong.

The numbers come from different places. Built’s launch release reports early adopter ranges and says results vary, MightyBot’s case study describes Built’s own production deployment, and HousingWire quotes Built. Treat them as vendor and partner figures and measure your own in Audit mode before trusting Automate.

An Agent Riding on Built’s Loan Administration Platform

Draw Agent sits on top of Built’s construction loan administration platform, where builders submit draw requests and lenders manage budgets, inspections and funding. The agent starts when it detects a new draw.

The Review Pipeline

1. Classification: each page of the draw package is classified separately with a confidence score, including rotated pages and poor scans.
2. Extraction: pages are routed to logic for their document type, such as AIA forms, lien waivers or insurance certificates.
3. Reconciliation: extracted data is mapped to a common schema and checked across documents, against loan terms, plans and budget, inspection materials and past draws.
4. Policy check: the lender’s policies, written in plain English and converted to executable logic, return pass, fail or insufficient data.
5. Audit trail: every finding links to its source page, field and policy version, and funding actions are recorded in a compliance file.

Three Modes of Autonomy

Lenders choose how far the agent goes. In Audit mode it analyzes each draw read-only and recommends actions, and staff approve every decision. In Assist mode it completes selected tasks such as scheduling third-party inspections or messaging borrowers, while staff keep approval. In Automate mode it completes the review and approval and executes funding when policies are met, flagging exceptions for people. MightyBot’s case study describes lenders moving through these as phases.

Plugged Into Built’s APIs Rather Than Replacing Them

According to the case study, the agent connects to Built’s existing APIs and writes results back through the same interfaces rather than replacing the platform, which allowed deployment in weeks and lets it be turned off at any time. Built’s platform connects to Sage, Yardi and Procore.

Other AI in Built

Built lists other AI features alongside the agent: Intelligent Draw Builder and Pay Application Splitting for preparing draws, Invoice and Budget Scanning, OM Extraction for underwriting, due diligence order tools, and reporting helpers. Built says more specialized agents will follow.

Recording Audit Mode Calls Against Your Administrators

Built’s staged modes make a fair test straightforward. Run Audit mode on live draws for a set period and record, for each draw, what the agent recommended and what your administrator decided.

• Agreement rate: share of draws where the agent’s pass or fail call matched the administrator’s.
• Review time: minutes per draw with the agent’s prepared findings versus without, against the reported 90-to-3 benchmark.
• Risk catches: issues the agent flagged that staff missed, and the reverse, to test the reported 400% figure.
• Turn time: business days from borrower request to funding, the measure borrowers and builders notice.
• Insufficient data rate: how often packages arrive incomplete, which shows where builder-side process needs fixing before automation.

Once agreement is consistently high on a draw type, move that type to Assist, then to Automate, and keep sampling automated decisions for quality.

Exceptions and Policy Ownership Stay With Lenders

Loan administrators handle exceptions, complex cases and anything the policy marks as insufficient data. Credit officers still own the policies themselves, and in Audit and Assist modes they approve every funding decision.

Demos and Contact-Vendor Pricing

Built does not publish prices. The AI page offers personalized demos, and Capterra lists pricing as contact vendor, with a free trial shown as available for the platform.

87 Minutes Saved per Draw Review

Without a published price, the useful arithmetic is staff time. Using the production figures in MightyBot’s case study, a 90-minute review falling to 3 minutes saves 87 minutes per draw.

A regional bank funding 500 draws a month. 500 draws at 87 minutes saved is 725 hours a month of loan administrator time, before counting faster funding for borrowers.

A Farm Credit lender with 200 draws a month. The same saving is 290 hours a month. Compare that with the quote for the agent and any platform fees to estimate payback.

Hidden and variable costs. Moving loans onto Built if you are not already there, writing policies in a form the agent can apply, running Audit mode in parallel before switching to Automate, and third-party inspection fees all sit outside the agent itself.

Built Draw Agent Compared With nCino Digital Partners, Casca and Procore Agents

No other agent on our site focuses on construction loan draws. These three sit nearest: two lending agents for banks, and the main construction platform’s agents on the contractor side.

nCino and Casca cover origination and monitoring but not the draw-by-draw funding work that Built’s agent automates, so many construction lenders could use both. Procore Agents serve the contractor submitting the draw, and Built connects to Procore. More options are on our construction agents and banking agents pages.

Lenders Already on Built and Growing Construction Books

• Lenders already on Built: the agent adds to a platform you run, with Audit mode as a low-risk start.
• Banks growing construction portfolios: capacity of ten times more draws per administrator, as reported in production, lets lending grow without matching hires.
• Farm Credit and private lenders: AgSouth Farm Credit and Anchor Loans are named users.
• Credit and risk teams: policy checks with linked evidence and a compliance file suit examiners and auditors.

Contractors and Lenders With Few Construction Loans May Need Less

• Contractors: the agent serves lenders; contractors only see the borrower side of Built.
• Lenders with few construction loans: a platform move takes higher draw volume to pay back.
• Lenders committed to another draw system: the agent does not work outside Built.
• Buyers who need published prices: everything is quoted.

Lenders whose construction loans are mostly one-time close residential loans should also confirm fit, since draw rules, inspection schedules and borrower communication differ from commercial projects, and ask which figures apply to which loan type.

Funding Automation Is a Credit Decision

Automation of funding is a credit decision. Before using Automate mode, run Audit mode long enough to compare the agent’s pass and fail calls with your administrators’ on the same draws, and agree with your credit and compliance teams which draw types qualify.

Policy quality shapes agent quality. The agent applies your written policies literally, so clear, current policies produce clear results. Expect to rewrite some policy language during setup.

The headline figures come from Built, its technology partner and early adopter programs. Ask for references among lenders with similar loan types, especially residential versus commercial, since HousingWire’s three-day figure is for residential draws.

Borrowers and builders feel the change too. Faster funding helps contractors’ cash flow, but automated rejections need clear explanations, or the lender’s relationship managers will field the complaints. Check how the agent’s messages to borrowers read before turning on Assist mode, and decide who answers when a builder disputes a finding.

Capterra reviewers of the Built platform mention gaps in the Procore integration, limited customization and slow support at times. Those are platform comments rather than agent-specific, and the agent relies on the data the platform collects.

Zions, Anchor Loans and AgSouth Among Early Users

• On November 4, 2025, Built launched Draw Agent with Zions Bancorporation, Anchor Loans and AgSouth Farm Credit among early users.
• On February 27, 2026, MightyBot published a case study on the deployment, updated in August 2026, reporting review time down from 90 minutes to 3.
• On May 6, 2026, HousingWire reported on the full rollout, including residential draw timelines cut to an average of three business days and a U.S. Bank partnership with Built announced in April.

A Staged Pilot Makes Sense for Lenders on Built

For construction lenders on Built, yes, it is worth piloting. The Draw Agent scores 8.2/10 on our scale. It does real work with real money, offers a staged path from read-only review to automated funding, ties every finding to evidence and comes from a vendor with SOC 1 and SOC 2 Type II reports and named bank users. Reported results, such as review time cut from 90 minutes to 3, are large enough to show up quickly in a pilot.

Published pricing and availability beyond Built’s own platform would lift the score. Lenders on other systems can treat it as a reason to evaluate Built as a whole rather than an add-on. Start in Audit mode, measure agreement with your staff, then expand. Compare more options on our construction agents page.

Draw Agent Quotes and What Drives Them

How Much Does Built’s Draw Agent Cost?

Built does not publish prices. Lenders request a personalized demo and receive a quote, which will depend on draw volume and the Built modules in use.

Can the Draw Agent Fund Draws Without a Person?

Yes, in Automate mode, when a draw meets the lender’s policies. In Audit and Assist modes staff approve every decision, and exceptions always go to a person.

What Documents Does It Check?

It classifies every page of the draw package and checks items such as AIA pay applications, lien waivers, insurance certificates, budgets, plans, inspection results and past draws against loan terms and policy.

Do I Need to Use Built’s Platform?

Yes. The agent connects to Built’s APIs and writes results back into Built. Lenders on other draw systems would need to move to Built first.

How Accurate Is the Draw Agent?

MightyBot’s case study reports document processing accuracy above 99% in production, and Built reports 100% policy adherence in early adopter programs. These are vendor and partner figures, so verify them in Audit mode.