The Packet That Delays the Draw: Why Subcontractor Payment Exceptions Are an Agent-Native Wedge The Packet That Delays the Draw: Why Subcontractor Payment Exceptions Are an Agent-Native Wedge Every month, specialty contractors finish real work in the field and still wait weeks for cash because a draw package gets kicked back for paperwork. The labor is installed, the invoice is drafted, and the project team thinks the month is closed. Then the rejection comes back: retainage math does not match the schedule of values, a lower-tier lien waiver is missing, a change order was billed before execution, the certificate of insurance is attached but the additional insured endorsement is wrong, or certified payroll is incomplete for one of the covered weeks. This is not a "better research bot" problem.…