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AI for construction lending

Put a team of AI specialists on your construction loans.

From pre-close to the final draw, deploy discipline-specific AI across your entire loan lifecycle. Accelerate document processing, instantly answer complex loan questions, and review draws in seconds — all while maintaining control over your institution’s risk tolerances.

X-RAY

Pre-close builder and project analysis, delivered before the loan is committed.

What X-RAY returns

Your AI team

Meet the specialists.

X-RAY

Pre-close builder and project analysis. AI analyzed, human verified, and returned within two business hours.

IDP

Intelligent Document Processing reads handwritten, scanned, and digital documents and turns them into numbers on the loan.

DocTracker

Import a bulk PDF of invoices and lien waivers. DocTracker separates them, reads the key fields, and populates your tracking table.

Draw Agents

Eight specialized agents review a draw request within the tolerances you set and report what they find.

Assistant

Ask it anything about a loan. It answers in plain language, with the numbers.

How a draw runs

From submitted to approved without the chase.

A draw is submitted

The request, the inspection report, the waivers, the title update, and any change orders are in the file.

Eight agents review it at once

Each specialized agent reviews its part of the request against the file and the tolerances you set.

Findings come back

Each finding names the issue, the evidence, and a confidence score. Items inside your tolerances clear; the rest come with a recommended action.

You decide

Your team reviews the findings, accepts or overrides each recommended action, and approves the draw. Each finding and action is recorded in the loan's activity log.

Inside the Draw Agents

A team of discipline-specific experts working your loans.

A generalist agent isn’t enough to protect your portfolio. We deploy eight purpose-built, highly specialized agents to every draw. Your Title Agent verifies endorsements, your Lien Agent checks state-specific statutory language, and your Architect Agent cross-references inspections. It’s like having a world-class legal, inspection, and processing team auditing every draw simultaneously.

Borrower and builder updates

Instant, professional communication without the friction.

Stop hunting for the right words to explain a denied line item. Our AI instantly drafts detailed, professional messages to your borrowers and contractors explaining exact adjustments. Your team simply reviews and hits send, keeping your customers informed and your relationships intact.

Update sent

Draw Request 1 · Framing line adjusted

  • Borrower · Jordan
  • Builder

Logged to the loan file

Lender-first by design

Define your tolerances. Empower your team.

AI shouldn’t mean giving up control. Establish your institution’s custom tolerances directly in the platform. The agents automatically process items that meet your strict criteria and clearly flag anything that falls outside them. Your draw administrators spend their time reviewing the exceptions and making the final call, rather than hunting through paperwork.

5.0%Draws that exceed this tolerance are flagged for review.
95%Findings below the floor are flagged for review.
$50,000Largest line-item change an agent may apply on its own.

Assistant

Ask anything about any loan.

The Assistant works inside the loan. Ask about the budget, the draws, the inspections, or the waivers, and it answers in plain English with the numbers behind it.

  • Answers from the loan’s own data

  • Executive summaries on demand

  • Issues surfaced early

Assistant

AssistantSingle-family new construction. Budget of record $725,360.97, work in place 21.52%, verified by the 07/30 inspection. Draw Request 1 asks $141,750; $126,750 is supported by the photos. The $15,000 difference is rough carpentry requested against lumber sitting on the slab. Title is clean, the contractor’s license is active, and one change order is awaiting your acceptance.

Across the loan

With the loan, the whole way.

Before closing

X-RAY analyzes the builder and project

At close

Budget populated from the closing package

The draw cycle

Draw request read, even from a photo

Inspection forms digitized

Invoices and waivers reconciled

Draw Agents review the request

Ongoing

Assistant, on call across the portfolio

Enterprise‑Grade Security & Full Auditability

Every finding made by an agent is logged in the loan’s activity feed with a clear audit trail of the evidence relied upon. Your data remains strictly within your secure environment and is never used to train public AI models.

Security and compliance documentation: Land Gorilla Trust Center →

Questions lenders ask

What is AI for construction lending?

AI applied to the documents, decisions, and questions in a construction loan: analyzing the builder and project before closing, turning draw requests and invoices into data, reviewing draws within the lender's tolerances, and answering questions from the loan's own data. Land Gorilla applies it across the loan, not only the draw.

What are Land Gorilla's Draw Agents?

Eight specialized AI agents that review a construction draw request within the tolerances you set. Each finding comes with its evidence, a confidence score, and a recommended action your team accepts or overrides. Your team approves the draw.

Are the AI actions auditable?

Yes. Each agent finding is recorded in the loan's activity log with the evidence it relied on, and agents work within your existing roles, workflows, and program rules. Reviewers can accept or override any recommendation, and both are logged.

How is this different from a single AI draw agent?

Land Gorilla runs eight specialized agents on a draw, each working its part of the request in the context of that loan, rather than one general agent. And the AI extends beyond the draw: pre-close analysis, document processing, and an Assistant inside the loan.

Start here

See the agents work a draw.

In a demo, we'll run a sample draw through all eight agents with your tolerances set, and you'll see the findings, the confidence behind each one, and the actions your team can take.

Request a demo