Answers before you commit time or capital.

LenderIQ is a pre-underwriting intelligence platform for UK specialist property finance. It structures incomplete deal inputs, runs algorithmic assessment and stress testing, and produces standardised outputs that brokers and lenders can work from — before time, cost, or capital is committed.

None of the above. LenderIQ is a technology platform. It does not arrange finance, introduce parties in a regulated sense, or hold lending capital. Brokers and lenders use it within their own workflows.

No. LenderIQ does not approve, decline, or recommend credit. All lending decisions remain with the lender. Deal Journey outputs are analytical aids generated from user-supplied data — not credit decisions.

No. LenderIQ supports first-pass structuring and assessment. Lenders retain full underwriting responsibility. The Deal Journey reduces reconstruction work and surfaces risk signals earlier — it does not substitute for a lender's credit process.

LenderIQ is not a CRM, pipeline tracker, sourcing tool or marketplace. It does not provide valuations, quantity surveying, legal due diligence, AML/KYC checks, or independent verification of borrower-supplied information unless a specific integrated data source explicitly provides verified data. It does not replace your compliance, credit or legal review.

Contact us with a live or sample enquiry. We walk through how LenderIQ structures, tests and surfaces a deal — typically in a 30-minute session tailored to your role.

Yes — you can request free trial access for a guided broker trial or lender pilot. We configure your workspace and complete onboarding before activation — typically within a few hours. Prefer a walkthrough first? Book a demo.

Brokers: 14-day guided trial with 1 user and up to 20 deals per month — core underwriting intelligence and borrower intake workflow. Lenders: 30-day guided pilot with up to 5 users, up to 50 inbound broker-submitted deals, and up to 50 uploaded internal pipeline deals. Full entitlements are shown on the trial request page.

Continued access requires a paid subscription. Your deal data is retained in accordance with our Privacy Policy — you can upgrade to pick up where you left off. Trial terms are set out in our Terms of Service.

After you request trial access, we configure your workspace and complete guided onboarding. Activation is typically completed within a few hours during business hours — your trial or pilot begins at activation, not at the moment you submit the form. Organisations not yet on the platform can also start through a broker deal invitation or by booking a demo.

Yes. Running a real or anonymised case through the Deal Journey during the demo or trial is the fastest way to see how structuring, assessment and fit outputs behave on your typical deal profile.

Paid plans include guided onboarding for teams that want it: account setup, intake link configuration for brokers, criteria configuration for lenders, and a walkthrough of assessment and fit outputs. Larger teams can agree dedicated onboarding support during commercial setup.

LenderIQ is not a CRM and does not ship pre-built connectors to specific CRM products. Selected plans include API access and custom integration support. Integration scope is agreed during commercial onboarding — contact us to discuss your stack.

Brokers collect structured borrower inputs through branded intake links, receive pre-submission assessment (viability, risks, numbers), and can match deals to lender criteria before packaging. The aim is fewer incomplete submissions and less manual rework per deal.

Brokers share a secure, unique borrower intake link generated per deal. Borrowers complete structured sections — profile, property, loan, credit, and project — without a separate paid subscription. Data flows into the broker's deal record and triggers completeness checks and assessment.

Borrowers do not sign up for a LenderIQ subscription or create a traditional account. Each deal has its own secure intake link — borrowers access their intake portal through that link, save progress, and return as needed. There is no borrower billing or self-serve registration flow.

Yes. The platform assembles the structured submission from deal data, documents, and assessment outputs. Lender fit is an analytical classification against configured criteria — not an instruction to lend or a mandated shortlist. Brokers decide whether to submit, when to submit, and which lender(s) to approach. The platform surfaces fit signals to inform placement; it does not route deals automatically.

No. Brokers see deals within their own organisation — those they originate or are assigned to. There is no cross-broker visibility unless your firm structure explicitly shares access within the same organisation account.

Outputs are generated from structured deal data and configured rules — not free-form overrides. Brokers can edit deal inputs, upload documents, and re-run assessment when data changes; scores and fit classifications update accordingly. Material edits are logged. The platform is designed to reflect the underlying case data, not to allow arbitrary score adjustment without changing inputs.

Lenders receive structured deal data with first-pass assessment already applied — deal scoring, stress results, and fit classification visible before opening a file. This reduces analyst time spent reconstructing submissions from fragmented packs.

Yes. Lender criteria — leverage limits, case types, geography, asset types, exit preferences, and other hard criteria — are configured on the platform against your lending policy. Fit evaluation runs against your declared criteria, not a generic industry template.

Yes. Criteria are versioned with effective dates, change summaries, and confidence indicators. When policy changes, a new criteria version can be published; historical evaluations remain tied to the version in force at the time of assessment. Re-evaluation can be triggered when deal data or criteria change materially.

No. Each lender organisation sees only its own pipeline, criteria configuration, and deals submitted to or uploaded by that lender. There is no visibility into other lenders' criteria, pricing, or deal activity on the platform.

Outputs are generated algorithmically from user-supplied inputs. They are intended to support review, not replace it. Lenders should apply their own underwriting standards and verify material information independently. See our Terms of Service for the full disclaimer position.

Fit is calculated by comparing structured deal data against each lender's configured criteria — leverage limits, case types, geography, asset types, and other hard criteria. Results classify fit as strong, marginal, or outside criteria. This is a rules-based match against declared criteria — not a recommendation to lend.

The platform is built for UK specialist property finance: bridging finance, development finance, and auction finance. Case type, asset type, exit strategy, and leverage inputs drive assessment and fit classification within each lender's configured appetite.

LenderIQ can produce structured decision-in-principle documents from deal data. On lower-tier lender plans, a LenderIQ template is available. On higher tiers, lenders can upload and send their own DIP format. Generated documents are outputs from platform data — the lender remains responsible for the decision they communicate.

Deal and borrower data entered by brokers, lenders, and borrowers; lender criteria configured on the platform; uploaded documents; and market-enriched property evidence where available. Borrower-supplied inputs and platform-sourced evidence are clearly separated on outputs so reviewers can see what came from each source.

Not by default. Borrower and broker inputs are treated as declared information. Market-enriched property evidence — comparables, planning information, and transaction records — is labelled separately from borrower-supplied data. LenderIQ compares submitted information against available market evidence and internal validation rules; it does not independently verify user-supplied figures, credit history, or project costs without appropriate professional appointments.

Property evidence combines borrower- and broker-supplied documents (valuations, plans, appraisals) with market-enriched data: comparable sales context, planning information, and transaction evidence. These platform-sourced elements are clearly separated from borrower-supplied information on outputs, so reviewers can distinguish declared inputs from market context.

No. LenderIQ structures and stress-tests declared numbers and surfaces variance flags — it does not conduct RICS valuations, quantity surveying, structural surveys, or legal title review. Those remain the responsibility of the parties commissioning them. Deal Journey comparables and planning intelligence are analytical inputs, not substitutes for professional appointments.

LenderIQ compares submitted information against market evidence and internal validation — highlighting material inconsistencies, variance flags, and evidence gaps before lending decisions are made. Incomplete or inconsistent inputs affect assessment, fit classification, and stress results; the platform surfaces these issues rather than silently passing through incorrect data. Brokers and lenders remain responsible for verifying material facts before acting.

Yes. Deal summaries, assessment outputs, and documents can be exported or downloaded depending on your plan tier. Enterprise broker plans include audit trail export. Higher-tier lender plans include API access for structured data extraction. Export availability varies by role and subscription — see Pricing for plan detail.

Borrowers see only their intake portal for the relevant deal. Brokers see deals within their firm that they originate or are assigned to. Lenders see deals submitted to them or uploaded to their pipeline. Cross-organisation visibility occurs only where a deal is explicitly shared through the Deal Journey workflow.

See our Security page for access controls, encryption in transit, audit logging, infrastructure, retention and regulatory boundaries. Legal terms are set out in the Privacy Policy and Terms of Service.

No. LenderIQ is a technology provider and does not carry on FCA-regulated activities. Brokers and lenders remain independently responsible for their own regulatory obligations.

The lender. Brokers remain responsible for the accuracy of information they submit and for their own client-facing obligations. Deal Journey outputs support review — they are not credit decisions.

Outputs are generated algorithmically from user-supplied inputs and configured criteria. They are analytical aids for structuring and first-pass review — not credit decisions, valuations or professional advice. Full terms are in our Terms of Service and Privacy Policy.

Both monthly and annual billing are available for broker and lender subscriptions. Current tiers and capacity are set out on the Pricing page.

Plans include a monthly deal allowance. When limits are approached, overage may apply or additional capacity can be purchased. If you expect sustained volume above your plan, contact us before you hit limits so capacity can be adjusted proactively.