Six subs, forty vendors, and twenty-two days between the concrete truck and the deposit that covers it. BLT holds the allowances, the change orders, and the draw package in the same ledger the field is filling all day.
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Your super is at Ferguson, the lumber yard, and the tile showroom four or five times a week. Each of those trips ends with a photograph, not a shoebox.
Nobody rebuilds the month on the 28th. The documentation the bank wants was created the day the money moved.
Every custom builder has had the same meeting: eleven allowance lines, all a little over, discovered together at the end. BLT names one line, on the day the invoice posts, with the square footage and the unit price already in the sentence.
Allowances sit on their own lines with their own four numbers, so the base contract stays readable while the selections move.
| Line | Baseline | Current | Committed | Actual |
|---|---|---|---|---|
| Tile & stone | 6,000 | 6,000 | — | 9,140 ↑ |
| Plumbing fixtures | 14,000 | 16,500 | 4,220 | 11,860 |
| Lighting & fans | 9,500 | 9,500 | 2,100 | 6,340 |
| Appliances | 22,000 | 24,000 | 24,000 | — |
| Cabinetry hardware | 3,200 | 3,200 | — | 2,980 |
| Flooring | 31,000 | 37,300 | 9,400 | 33,860 |
| Allowance total | 85,700 | 96,500 | 39,720 | 64,180 |
Each phase reports Actual against Current, with the hours and receipts behind it. Foundation at 100%, framing at 84%, rough-in at 31% — sourced, not estimated on a walk-through.
Every line carries its receipt photograph, its sub invoice, or its time entries. The package the lender asks for is an export, not a morning.
Conditional waivers per sub per draw, unconditional on payment. A sub who hasn’t signed shows on the list before the wire goes out, not after.
The draw lands, the week closes, the period locks. What happened in March stops moving in April.
One project free with every feature. Import last month’s spreadsheet and the allowance lines are live by lunch.