How do you like your construction loan funds released - big chunks or lots of little payments?

HOW DO YOU LIKE YOUR CONSTRUCTION LOAN FUNDS RELEASED - BIG CHUNKS OR LOTS OF LITTLE PAYMENTS?

Honestly, the milestone system feels like it was designed by someone who’s never set foot on a job site. I’ve had projects stall just waiting for a tiny payment to clear, while trades are ready and materials are sitting in limbo. Larger, strategic draws just make more sense - especially when you’re juggling long lead times. Tried negotiating with banks a few times... let’s just say their flexibility is about as sturdy as wet drywall.

HOW DO YOU LIKE YOUR CONSTRUCTION LOAN FUNDS RELEASED - BIG CHUNKS OR LOTS OF LITTLE PAYMENTS?

I hear you on the milestone system - sometimes it feels like the payment schedule is completely out of sync with how work actually progresses. Have you ever tried tying draws to actual site inspections or third-party verification instead? I’ve seen that approach smooth things out a bit, but it’s not always easy to convince lenders. Curious if anyone’s had luck with alternative structures, especially on projects with unpredictable timelines.