A job's total cost is not the number that sinks a small builder. The gap is: crews and suppliers are paid as the work happens, while the lender or owner pays a draw weeks later and holds back retainage until the end.
The framing takeoff's schedule already spread each activity's typed cost over its working days. It now takes draw: {lagDays, retainagePct, releaseLagDays} (page field "Draw terms", for example 14, 10, 30) and reports the peak cash you float, the date, and when retainage comes back.
Hand check, as in the test: $2,000 spent over Monday and Tuesday, paid 7 days late with 10% retainage, leaves the builder $2,000 out of pocket on Tuesday. The $200 retainage is released 7 days after the last working day.
Terms are yours; no lender's rules are assumed, and no real builder's draw schedule has been run through it yet.