Fix & Flip Draw Process Explained: How to Access Rehab Funds

One of the biggest advantages of hard money loans is access to rehab capital—but many investors don’t fully understand how draw schedules work. At HardMoneyMan.com LLC, we’ve streamlined the process to help you fund renovations fast and stay on schedule.

 What Is a Draw Schedule?

A draw schedule is a pre-approved plan for releasing rehab funds in stages. Instead of receiving the full rehab budget upfront, you get funds as work is completed.

Typical stages include:

  • Demo and framing
  • Electrical and plumbing
  • Drywall and flooring
  • Kitchen and bath installs
  • Final punch list

Each stage is verified, and funds are released accordingly.

 How Our Draw Process Works

HardMoneyMan’s draw process is built for speed:

  1. Submit draw request via Snap App
  2. Upload photos or contractor invoices
  3. Get same-day funding (often within hours)
  4. Repeat for each stage of rehab

How Rehab Draws Work 

No waiting weeks. No third-party inspections. Just fast, frictionless funding.

 Tips for Smooth Draws

  • Break your scope of work into 4–6 clear stages
  • Keep receipts and progress photos organized
  • Communicate with your GC or subs about timing
  • Submit draws early in the day for fastest turnaround

We want your project to move—not stall.

 Internal Resources

Explore our Fix & Flip Loans page for full program details. 

Check out our Loan Requirements Guide to prep your scope of work. 

Review our Branchburg Case Study to see draw funding in action.

 

Ken Vesely has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Ken specializes in fix and flips, ground up spec construction and 30-year DSCR loans.

Need rehab funding that moves as fast as you do? Apply now and access same-day draws with Snap App.

Fix & Flip Draw Process FAQ’s

Submit draw requests through the Snap App with photos or invoices. Most draws are funded same-day.
Yes. HardMoneyMan offers full rehab funding with flexible draw schedules.
Visual guide showing the 4-step fix and flip loan process from scenario submission to closing