AI-assisted draw review with multi-provider fallback
Every Construction Dollar,
Verified Before Release.
Built for the multi-trillion-dollar U.S. construction disbursement market — an AI Draw Control Brief precondition, a 10-condition server-side release gate, and an append-only, hash-chained, tamper-evident audit trail.
Why release authorization needs structure
Construction draw governance is fragmented. Industry research describes the structural patterns below — see source links beneath each card.
12%
of construction draw requests are denied — 355,890 draws across nearly 30,000 loans
Source: FDIC, Bank Monitoring with On-Site Inspections (2022, updated 2023) →
$250K
median loss per occupational fraud case in construction
Source: ACFE, Occupational Fraud 2024: A Report to the Nations
Fragmented
most draw workflows still rely on spreadsheets, email, and workflow tools rather than server-enforced release authorization
Source: Bank Director, How Spreadsheets Add Risk to Construction Lending (2019) →
Numbers describe industry context, not Vektrum performance. Vektrum does not claim to prevent fraud, eliminate disputes, or guarantee compliance — see the full Sources section.
How It Works
From deal creation to fund release — every step verified, every dollar governed.
Deal Created
Deal funded — capital held by Stripe Connect or the customer's institutional payment partner, not by Vektrum.
Milestones Set
Work stages defined with amounts, descriptions, required documentation
Work Completed
Contractor uploads evidence (photos, invoices, inspection reports)
AI Pre-Review
AI pre-review analyzes documentation against milestone criteria and flags risks. AI informs the gate; the deterministic gate decides; the funder authorizes.
Release Authorized & Executed
The 10-condition gate verifies ALL requirements. The funder authorizes; the selected rail (Stripe Connect or institutional partner) executes payment.
AI Draw Control Brief
Before the 10-condition release gate evaluates a draw, the AI Draw Control Brief reads the submitted evidence and prepares a structured finding for the funder. The brief is a precondition — it is separate from the numbered server-side conditions enforced by the gate.
AI pre-review informs the gate. The deterministic gate and funder control release.
Before the release gate evaluates a draw, the AI pre-review reads the submitted evidence against the deal context.
The pre-review scores completeness 0–100, flags risk factors, and issues a structured pre-review finding: Ready, Hold, or Insufficient evidence. AI does not approve payment — the deterministic gate enforces conditions and the funder authorizes release.
Every assessment is cryptographically logged to an append-only audit trail — hash-chained and tamper-evident.
Completeness
91/100
Risk
lowPre-review finding
readyReasoning
Foundation work is well-documented with 4 supporting documents including an inspection report. Amount aligns with scope and no outstanding disputes.
Findings
- 4 supporting documents on file including inspection report
- Amount ($45,000) aligns with agreed milestone scope
- Deal status is active with no outstanding disputes
The 10-Condition Release Gate
All 10 server-side conditions must pass before a release is authorized.
The AI Draw Control Brief above is a separate precondition — it is not one of the 10 numbered conditions.
- Milestone status: approved
- Milestone protection status: ready_for_release
- Sufficient funding or external funding confirmation
- Payout readiness verified for selected rail
- Contractor onboarding complete where required
- No existing active release for this milestone
- No open change orders on this milestone
- Signed contract on file for this deal
- Sequential-release ordering and prerequisites satisfied where required
- Approved conditional lien waiver on file where required
- +AI-assisted draw review: current, documented, and no unresolved critical risk.
Ready to govern your next project?
Pricing — v2.0
Standalone
1.0% Vektrum Compliance Review Fee per verified disbursement
Institutional
0.70% CRF + 0.075% ACV governance retainer
Enterprise
0.65% CRF + negotiated retainer
Contractors: Always $0. No subscription. No fees. Ever.