Construction Draw Review & Pay App Analysis
Independent third-party review of contractor payment applications on behalf of construction lenders. Includes AIA G702/G703 review, percent-complete verification against site conditions, lien waiver compliance, retainage tracking, front-loading detection, and a written recommendation memo delivered within 48–72 hours.
Permit Expediting
Full-service permitting management across DFW municipalities. Submittal package preparation, city and county liaison, plan review tracking, fire marshal and utility coordination, and Certificate of Occupancy facilitation — reducing costly project delays caused by permitting friction.
Feasibility Studies & Pre-Construction Risk Review
Independent pre-construction feasibility analysis assessing cost reasonableness, schedule viability, entitlement risk, and contractor qualifications. Delivers a written report with findings and recommendations — giving decision-makers an independent second opinion before capital is committed.
Loan Monitoring Retainers
Ongoing monthly portfolio oversight for lenders with multiple active construction loans. Includes monthly draw review across the portfolio, project health dashboards, site inspection attendance, early distressed loan identification, OAC meeting attendance, and on-call availability for loan officers.
Distressed Project / Workout Advisory
When a construction loan goes sideways, SCG provides on-site assessment of construction progress vs. draw history, independent cost-to-complete estimates, contractor financial and performance assessment, subcontractor lien exposure review, and a formal workout advisory report with recommended resolution paths.
Budget & Bid Leveling Review
Independent evaluation of GC bids and budget packages for cost reasonableness. Division-by-division analysis, identification of missing or under-scoped line items, allowance adequacy review, and a written bid leveling memo with negotiation recommendations.
Change Order & Claim Analysis
Independent evaluation of change order packages and contractor claims. Assesses validity of basis, pricing reasonableness, schedule impact legitimacy, and cumulative change order trends — a natural upsell from existing draw review relationships.
Project Health Analysis
A structured, independent assessment of a construction project's overall condition. Offered in two tiers: a Quick Review (desktop analysis of RFIs, submittals, pay apps, change orders, and schedule) and a Full-Depth Analysis (drawings, site visit, subcontractor interviews, independent cost-to-complete, and formal report with risk matrix).
The Single-Relationship Model
A single lender relationship generating revenue across five service lines can approach $240,000 per year. The service lines are designed to cross-sell naturally — a draw review becomes a retainer, a retainer surfaces a distressed loan, a distressed loan generates a workout advisory.
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