Construction Loan Portfolio Analysis

With the goal of minimizing risk for the lender, QuickDraw Fund Control created a process for researching a borrower’s entire loan portfolio as it relates to fund control. This service—loan portfolio inspection—plays a critical function within our due diligence capacity. In today’s construction market, with an uptick in activity and increased delays due to the busy schedules of both contractors and local municipalities, reviewing the overall health and performance of a borrower across their entire portfolio helps lenders make better decisions.

At any time during a project, QuickDraw Fund Control can review and analyze a borrower’s construction loans. This may include the entire portfolio, or other times a lender is most interested in the performance throughout a specific region. QuickDraw Fund Control has the capacity and personnel to inspect portfolios of varying sizes.

Lenders benefit from using QuickDraw Fund Control to inspect a potential borrower’s loan portfolio. Specifically, they obtain relevant trend information for both the borrower and the marketplace. We address two common questions: Are projects performing on schedule? Are cost overruns prevalent? These questions are relevant to the individual borrower’s typical project makeup as well as the nature of construction in the marketplace at the time.

With this information, we help lenders categorize the level of risk they would undertake should they decide to issue the loan. The loan portfolio inspection can also help determine if current project costs, budget and timeline are viable.

QuickDraw Fund Control works to make the lenders’ job financially profitable and painless. While we do not identify the exact decision a lender should make, QuickDraw Fund Control serves as an information collector and analyzer to assist the lender in evaluating risk based on the past history of the borrower. With years of experience on the home building side, the professionals at QuickDraw Fund Control have the right skills and eye to catch red flags and evaluate financial viability.