Deal intelligence · Deal Journey

Better lending decisions begin before submission.

LenderIQ structures, validates, stress-tests and evidences every assumption before a broker submits and before a lender reviews. No risk flag, score or conclusion rests on an untested borrower claim.

Not a CRM · not sourcing · not a marketplace — validated deal intelligence

7
Criteria assessment
Supporting output
Not a sourcing layer
6
Packaging
Deal summary
Risk summary
Evidence pack
5
Exit validation
Sale
Refinance
Debt clearance
4
Stress testing
GDV compression
Cost inflation
Combined downside
3
Risk classification
Structural
Advisory
Evidence gaps
2
Market validation
GDV range
Build cost range
Comparable evidence
1
Borrower inputs
GDV: £675,000
Build: £85,000
Exit: Sale
Loan: £420,000
Final state Fundable HIGH confidence · 4 criteria matches
01 · Borrower position → market position

Borrower assumptions are tested against market evidence — not transcribed.

A raw enquiry arrives unverified — estimates, gaps, missing evidence. LenderIQ benchmarks every claim and reconstructs a defensible lending position before a broker submits or a lender opens the file.

Raw enquiry
Unstructured inputs Unverified
Borrower
Borrower profile
Experience unverified
Unverified
Valuation
GDV estimate · £4.1m
No comparable support
Unverified
Costs
Build costs · £840k
No QS report attached
Missing
Exit
Refinance · 18 months
Rate assumptions unclear
Unverified
Evidence
Planning consent
Not attached
Missing
Finance
Loan request · £2.4m · 65% LTV
ICR not calculated
Partial
LenderIQ
Processing
Intake
Deal intelligence
Stress test
Validation
Packaging
0 of 5
Structured dossier
Lender-ready submission
Building…
Deal overview
Loan£2.4m · 65% LTVVERIFIED
GDV£4.1mCONFIRMED
ExitRefinance · 18moVALIDATED
Deal analysis
ICR1.42xPASS
GDV variance−£210kFLAGGED
Build costs£840k benchmarkedVERIFIED
Stress testing
GDV −10%Net profit £142kWITHIN THRESHOLD
Cost +15%Margin 14.2%PASS
Evidence · Comparables
Comparables69 transactionsHIGH CONFIDENCE
Exit evidenceRefinance range confirmedATTACHED
02 · Credit questions

LenderIQ surfaces the credit questions hidden inside every deal.

Most submissions answer the wrong questions. LenderIQ surfaces the questions that determine whether capital is deployed — evidence ranges, viability thresholds and criteria fit, all derived from the same deal record.

DEAL · REF-2024-0847 · 14 Oak Street, Bristol BS1 · Residential Development Awaiting scan
Surface view
GDV£675,000
Build cost£85,000
Exit strategySale
Loan required£420,000
LenderIQ X-ray
Comparable evidence 8 comps · 0.6mi radius EVIDENCE
GDV adjusted range £606k – £670k WATCH
Cost benchmarking £72k – £98k · in range PASS
Exit viability Sale + Refinance modelled PASS
Criteria assessment 4 criteria · 2 lenders PASS
Stress results −15% GDV · within threshold WATCH
03 · The pipeline

Every stage adds assessment before the next begins.

One deal, six stages. Market validation, risk classification, stress testing, exit validation and packaging — each completes before the next starts, so lenders review conclusions not reconstruction.

Input
Raw deal
GDV: £675,000
Build: £85,000
Exit: Sale
Loan: £420,000
Stage 2
Market validation
GDV: £606k–£670k
8 comps · 0.6mi
Cost: £72k–£98k
Stage 3
Risk classification
Structural: 0
Advisory: 2 flags
Evidence gap: 1
Stage 4
Stress testing
GDV −10%: viable
Cost +15%: tight
Combined: threshold
Stage 5
Exit validation
Sale exit: clear
Refinance: viable
Debt clearance: ✓
Stage 6
Packaging
Deal summary
Risk summary
Evidence pack
Status: READY
Output
Lender-ready file
Every field completed · Every assumption tested · Structured for credit review
Deal score
74 / 100
Confidence
HIGH
Products matched
4
04 · Continuous re-evaluation

The deal changes. The record changes with it.

LenderIQ is a living model, not a snapshot. When one assumption moves, every dependent output recalculates — and the system settles into a new evaluation state.

Live deal state
All assumptions in equilibrium
GDV, cost, exit, leverage and criteria assessment aligned to current inputs.
Profit
£143k
stable
Risk
Moderate
stable
Exit headroom
£92k
stable
Criteria fits
6
within appetite
05 · Risk classification

Deal killers, separated from deal improvers.

LenderIQ does not just flag risk. It classifies every finding by consequence — what threatens the structure of the deal, and what can strengthen it before submission.

Structural risk
Deal killers
Issues that change viability, leverage or exit clearance.
Live deal
14 Oak Street
Dev finance · sale exit
Classification result
Findings detected5
Structural1
Advisory4
Broker actionStrengthen
Advisory risk
Deal improvers
Items that can be clarified, evidenced or strengthened before submission.
Awaiting classification
For brokersAdvisory risks become a fix-list. Every improver is an action that strengthens the case before a lender sees it.
For lendersStructural risks arrive classified. The consequence of every finding is established before review begins.
06 · Stress testing

How much pressure can the deal withstand?

LenderIQ compresses GDV, inflates costs and combines the downside — then maps where the deal remains viable and where it breaks.

Survival envelope
GDV −10%Net profit £142kVIABLE
Cost +15%Margin 14.2%TIGHT
CombinedNet profit £42kAT THRESHOLD
GDV −18%Exit no longer clears debtBREAK POINT
System stable · monitoring market conditions
07 · The confidence engine

The outcome is not a number.
It is confidence in the number.

Every conclusion carries a confidence rating built from the evidence beneath it. Uncertainty is shown, not hidden — that is what makes the green credible.

GDV
Unknown
Comparable analysis
8 comps · 0.6mi
Confidence
HIGH
Build cost
Unknown
Benchmarking
£72k – £98k range
Confidence
HIGH
Exit
Unknown
Modelling
2 exits tested
Confidence
MEDIUM
Criteria fit
Unknown
Appetite check
4 criteria · 2 lenders
Confidence
HIGH
Overall deal confidence
Fundable · HIGH confidence
Deal score
74 / 100
Criteria matches
4 within appetite
Risk classification
B · Moderate
Output · What the Engine produces

Bring a deal. See what changes before a decision is made.

Raw borrower assumptions become validated deal intelligence — structured, stress-tested and evidenced before a lender commits analyst time.

Lender-ready file · REF-2024-0847Every field completed · Every assumption tested · Structured for credit review
Deal score
74 / 100
Confidence
HIGH
Criteria matches
4
Deal overview · verified
Deal analysis
Risk classification
Stress test results
Exit validation
Evidence · 69 comparables

UK specialist property finance · brokers and lenders read the same validated record