Sample deliverables

What you receive after your review

Each product is a different depth of analysis. Select a tier to see what the deliverable looks like.

LenderView
Underwriter Review Memo
Underwriter Review — $995
Based on 2-year tax returns, financials, PFS
Borrower
ABC Services LLC
Request type
LOC + Term loan
Amount
$1,750,000
Industry
Mechanical contractor
Credit scorecard
Global DSCR
1.18x
Below 1.25x threshold
Current ratio
1.74x
Adequate liquidity
A/R concentration
61%
Top customer — high risk
Guarantor net worth
$890K
Thin vs. exposure
Collateral coverage
1.42x
Acceptable
Add-back credibility
Moderate
Likely haircut
Key findings
DSCR fails minimum after global cash flow adjustment
Global DSCR drops to 1.18x after personal obligations — below most bank minimums of 1.20x–1.25x. Owner comp add-back of $62K will likely be partially haircut.
Fix: Reduce ask by $200K or document full add-back with 2 years personal returns
A/R concentration limits borrowing base to ~$390K
61% single-customer concentration drops eligible A/R from $680K to approximately $390K under standard bank concentration limits.
Fix: Present diversification plan or reduce LOC request
Guarantor liquid net worth below 1.0x exposure
After excluding $510K in retirement accounts, adjusted liquid net worth is ~$890K against $1.75MM combined exposure.
Fix: Document additional liquid assets or cross-collateralize real estate
Estimated borrowing capacity
Realistic LOC availability
$350K–$425K
Based on eligible A/R after concentration haircut
Supportable term debt
$950K–$1.1MM
At 1.20x DSCR minimum with current cash flow
Need a lender-ready submission package?
Credit memo, debt schedule, sources & uses, projection review — formatted for direct lender submission.
From $2,500 total.
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Based on documents provided. Estimates reflect reviewer judgment and may differ from actual lender underwriting. LenderView is not a lender or broker.
About this sample

Borrower name and all financial details are fictitious and shown for illustrative purposes only. Actual deliverables are based on real documents provided by the client. The Underwriter Review is delivered as a Word document memo (.docx) and includes a supporting Excel workbook with DSCR build, global cash flow analysis, and borrowing base calculations.

LenderView
Capital Readiness Package
Premium — from $2,500
Lender-ready submission package
Borrower
DEF Industries LLC
Request type
CRE acquisition — OO
Amount
$3,400,000
Industry
Light manufacturing
Package contents
1Executive summaryIncluded
2Financial analysis — DSCR, global cash flow, liquidityIncluded
3Sources & usesIncluded
4Debt schedule — existing and proposedIncluded
5Projection review with lender commentaryFlagged — see notes
6Collateral & guarantor summaryIncluded
Executive summary — transaction overview
Deal summary
BorrowerDEF Industries LLC — 12-yr operating history
PurposeAcquisition of owner-occupied industrial facility
Purchase price$4,250,000
Loan request$3,400,000 (80% LTV)
Proposed structure20-yr amortization / 5-yr balloon · Prime + 1.75%
Global DSCR1.31x (supportable)
Collateral1st deed of trust + UCC-1 + personal guarantee
Sources & uses
SourcesAmountUsesAmount
Bank loan$3,400,000Purchase price$4,250,000
Borrower equity$850,000Closing costs$62,000
Seller credit$62,000Reserves$0
Total$4,312,000Total$4,312,000
Projection review — lender commentary
Revenue growth assumption (12% YoY) is aggressive relative to the 3-year trailing average of 7.4%. Recommend presenting the conservative scenario proactively — DSCR holds above 1.20x at 5–6% growth stress case.
Gross margin assumptions are defensible at 41%, consistent with the 3-year average of 39–42%. No adjustment recommended.
Rent savings of $14,200/month post-acquisition should be explicitly documented in the executive summary — lenders will not automatically credit this improvement without a clear callout.
What's included in the final deliverable
Credit memo — Word document (.docx)
Full credit memo formatted the way a banker writes it internally — executive summary, financial narrative, DSCR analysis, risk rating, collateral and guarantor summary, and lender recommendation section. Ready to submit directly to a bank or SBA lender.
Supporting Excel workbook (.xlsx)
DSCR build, global cash flow, debt schedule, borrowing base, sources & uses, and projection stress test — all tabs linked and formula-driven.
Supporting attachments
Collateral summary, guarantor PFS summary, and lender cover page — formatted as a complete submission package.
Based on documents provided. Prepared for presentation to prospective lenders. Does not constitute a loan commitment or guarantee of financing. LenderView is not a lender, broker, or registered investment advisor.
About this sample

Borrower name and all financial details are fictitious and shown for illustrative purposes only. Actual deliverables are based on real documents provided by the client and reflect the specific facts of your transaction. The Capital Readiness Package is delivered as a credit memo in Word (.docx), a supporting Excel workbook, and additional attachments formatted for direct lender submission. Scope and pricing confirmed via a brief call before work begins.