Construction lending, draws and trade credit in 2026: where AI and software sit in the money flow

ROUNDUP · PUBLISHED 2026-10-15 · UPDATED 2026-10-15 · SOURCES CHECKED OCT 15, 2026

Money reaches a jobsite through lender draws and through supplier credit. We read three vendors' pages (Oct 14 and 15, 2026) that work on those flows. Desk research, not tested, and not financial advice.

DESK RESEARCH, NOT TESTED. Figures come from the sources listed below. Vendor and company statements are claims and are not verified by Means & Methods Lab.

Lender draws and inspections

Built Technologies describes a lending platform covering origination, underwriting, draw and budget management, an AI Draw Agent, AI-powered draw inspections, lien waivers and payments, and says its AI is trained on $3T+ of real estate finance data (vendor claim). Sitewire focuses on private lenders: same-day virtual draw inspections reviewed by licensed GCs from verified borrower media, draw tracking, and risk reports on budget feasibility, permits and project health.

Supplier trade credit

BlueTape works on the supplier side: suppliers offer contractors net 30, 60 or 90 terms and are paid upfront, with factoring, a payment portal and credit management; contractors can fund material purchases on credit lines. It claims suppliers can lower DSO to 1 day. Its homepage does not describe AI.

Human review

Sitewire states that licensed GCs review virtual inspections. Built's pages we read describe AI in its inspections and Draw Agent without stating who reviews the output; ask.

Pricing

None of the three publishes prices; financing terms are set per customer.

What to ask before a pilot

These are our suggestions, not findings. For draw tools, ask for days from draw request to funding on past draws, and how inspection evidence is stored for audit. For trade credit, compare the total cost of extended terms with your current terms and early-pay discounts.

Takeaways

Built and Sitewire serve lenders' draw processes; BlueTape serves supplier credit.
Sitewire states that licensed GCs review inspections; ask Built about its review process.
No public prices.

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Sources (3)

Built Technologies homepage https://getbuilt.com
Sitewire homepage https://www.sitewire.co
BlueTape homepage https://bluetape.com

All sources accessed Oct 15, 2026.

Tools in this article (alphabetical, not ranked)

BlueTape · Trade credit & invoice financing
Built Technologies · Construction lending & draw management
Sitewire · Draw management & virtual inspections for lenders

Side-by-side comparisons

Sitewire vs Built Technologies

Back-office AI in construction: what Adaptive, Miter, Siteline, Built, and Constrafor say the AI does Roundup · 2026-10-15

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