From former credit officers and commercial bank underwriters

Bank-style underwriting and loan package preparation before you approach a lender.

We review your financials the way a lender does. We tell you exactly where your deal is strong, where it will get pushed back, and what to fix before you submit. Before you spend weeks pursuing financing, find out how a lender is likely to view your deal.

See pricing How it works

For Small business owners seeking Lines of credit · Owner-occupied CRE · Investment CRE · Asset-Based Lending · SBA 7a and 504 loans

Sound familiar?

What lenders see that owners don't: The issues most owners discover too late

Most business owners find out their deal has problems after they've applied. By then the relationship is strained, the clock is ticking, and the fixes take months. Avoid costly financing mistakes before they happen. Get an independent review from a former commercial underwriter before you invest time, money, and effort pursuing financing.

Your Debt Service Coverage (DSCR) is lower than you think

Commercial Lenders calculate cash flow including your personal obligations. The number you present and the number the bank underwrites are rarely the same.

A/R concentration quietly kills borrowing bases

If one customer exceeds 20–25% of your receivables, most banks exclude the excess. Your available credit may be far smaller than your request.

Guarantor support is thinner than it looks

Banks exclude retirement accounts from liquid net worth. A guarantor showing $1.4M may only count for half that in the lender's analysis.

Your collateral may not be fully perfected

Old UCC filings, unreleased liens, and title issues can weaken a lender's collateral position, cause additional work during processing, and delay approval.

Independent review

We work for the borrower, not the lender.

Brokers are typically paid when a deal gets placed. LenderView is paid to give you an independent read on your financing request — before it ever reaches underwriting. Our role is not to push your deal into the market. It is to tell you what a lender is likely to see before you spend weeks finding out the hard way.

Sometimes the right advice is
Don't apply yet — your DSCR won't clear the minimum threshold
Ask for less — a smaller request is approvable, this one isn't
Fix your reporting first — CPA-prepared financials will change the outcome
Target a different lender — community bank, not a national institution
Skip the broker — this deal is bankable directly
We get paid the same whether your deal is ready or not.
If we tell you to wait, fix something first, or take a different path — that's the review working exactly as intended.
See what a review includes
The process

Most financing issues are discovered during underwriting. We identify them before you apply. 3 steps to lender ready

1

Submit your financing request

Upload your financials, tax returns, and deal details through our secure intake form. Takes about 20 minutes.

2

Underwriter review

We review your request through a lender's lens, evaluating cash flow, collateral, guarantor support, and repayment capacity.

3

Fix, then apply with confidence

Receive a written memo with findings, lender concerns, and recommended fixes. Go to your lender or loan broker with confidence.

Pricing

Flat fees. Fast turnaround.

Most popular Underwriter Review
Underwriter Review
$995
Flat fee · 1–3 business days
  • Financial statement review
  • DSCR & cash flow analysis
  • Liquidity & working capital review
  • Guarantor support analysis
  • Likely lender concerns
  • Borrowing capacity estimate
Get started See all details
Premium
Capital Readiness Package
From $2,500
Based on complexity · 5–7 days
  • Everything in the Underwriter Review, plus:
  • Executive summary
  • Sources & uses
  • Projection review
  • Lender-ready credit memo (.docx)
  • Excel workbook with supporting analysis
Learn more See all details
FAQ

Common questions

No. Brokers are paid to place loans. We are paid to provide an independent review of your financing request before it reaches a lender. We don't place loans, refer to lenders, or earn commissions. Our role is to identify potential lender concerns, evaluate financing readiness, and help you approach the financing process with confidence.
Business owners preparing to apply for financing who want to understand how lenders are likely to evaluate their request before it reaches underwriting. This is typically most valuable for businesses with $1M–$25M in annual revenue seeking a line of credit, commercial real estate loan, SBA loan, acquisition financing, or asset-based facility.
Typically, three years of business tax returns and financial statements, current year-to-date financials, and basic guarantor information. Don't worry if your package isn't complete — we'll let you know what's needed.
Most reviews are completed within a few business days after we receive your financial package. Underwriter Reviews are typically delivered within 1–3 business days, and Capital Readiness Packages within 5–7 business days depending on complexity.
Yes. All files are encrypted in transit and at rest. We do not share your documents with lenders, brokers, or any third parties without prior written consent with the borrower.
A decline doesn't always mean the deal won't work. It may indicate a lender fit issue, underwriting concern, or a weakness in the financing request. We help identify what likely drove the decision and what can be addressed before approaching the next lender.
No. LenderView provides independent lender readiness reviews and financing preparation services. We do not place loans, negotiate financing, submit applications, or receive compensation from lenders. We may provide general guidance on the types of financing sources that are typically a fit for a transaction, but all lender selection and application decisions remain with the borrower.
That's common. Many business owners seek a review before their package is complete. We'll identify what's missing and help you understand what lenders are likely to request.
CPAs focus on accounting, tax planning, and financial reporting. We focus on how lenders evaluate risk, repayment capacity, collateral, and financing requests.
Banks are in the business of making loans, generally taking 45–60 days, not preparing borrowers for underwriting. LenderView helps business owners understand how lenders are likely to evaluate a request before it reaches a credit committee, helping identify potential issues before they become delays, declines, or surprises.
Financing can take weeks or months, and many issues aren't identified until underwriting. We help borrowers understand potential lender concerns before they apply, reducing surprises, improving preparation, and helping the financing process move more efficiently. Our reviews are performed through a lender's lens, helping identify issues that may impact approval, structure, pricing, or timing before they become problems.
Absolutely. LenderView is designed to complement, not replace, brokers. We help borrowers identify potential lender concerns, strengthen their financing package, and better understand how lenders are likely to evaluate a request before it enters the market. Many clients find that this leads to more productive conversations with brokers and lenders.