Nine stages. We underwrite the deal as a lender would — computing LTV, LTC and DSCR as you go — then score it across nine risk dimensions before it reaches the lender universe. You see the grade we see.
Your selection determines the lender universe, underwriting framework, and risk weighting applied to your deal.
Asset class drives lender appetite, underwriting metrics, and risk weighting. Select what best describes the primary use.
Location determines jurisdiction, liquidity profile, and lender geographic appetite.
Entity type affects sponsor risk classification and lender appetite. Select the structure through which the loan will be taken.
Loan amount, term, and structure are core inputs to your lender match and risk grade.
These inputs determine your LTV, LTC, and equity metrics — key lender covenants.
Sponsor strength is a primary lender consideration. Your profile directly affects the grade and the lender tier you are matched with.
Income and debt service figures are used to calculate your DSCR — one of the core lender covenants.
Title risk is the single most common reason Lagos deals fail at credit committee. These inputs carry significant weight in your risk grade. Below, tell us which supporting documents you can provide — only the categories relevant to your deal are shown.
Nine dimensions scored independently, then aggregated. Single-factor failures cap the grade regardless of the blended average — as they would in real underwriting.
Matched against the lender universe. A credit officer will come back to you within 24 hours with the lenders whose mandate this fits — and the terms they are likely to quote.
Quote this on all follow-up. Your figures are held in confidence and are not shared with any lender before you approve the approach list.
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