Why Your Draw Process Should Not Depend on One Person

The vacation test. If your draw process stops when one person goes on vacation, you do not have a process — you have a dependency. Single points of failure in draw management create delays, errors, and risk that scale with your portfolio.

Signs of Single-Person Dependency

• Only one person knows how to review draw packets
• Only one person has access to the budget spreadsheet
• Only one person can authorize disbursements
• Only one person knows where the documentation is stored

"We call it the vacation test," says the LendlyX team. "If one person's absence shuts down your draw process, you have a systems problem."

How to Eliminate Single Points of Failure

1. Document your process — write down every step, so anyone can follow it
2. Use role-based access — multiple people should be able to perform each function
3. Centralize documentation — no files on personal desktops or in individual email accounts
4. Create approval delegation rules — define who can approve when the primary approver is unavailable
5. Use a platform, not a person — the system should enforce the process, not rely on institutional knowledge

LendlyX eliminates single-person dependencies by design:

• Role-based permissions with configurable delegation
• Centralized documentation accessible to all authorized users
• Automated workflows that enforce process regardless of who is available
• Complete audit trails so anyone can pick up where someone else left off

Ready to build a resilient draw process? Sign up for LendlyX or book a demo.