LendEval is the Loan Readiness Intelligence Platform — built around the core promise 'Know Before You Apply'. It is a free, educational pre-underwriting platform that scores your real estate or business loan profile against the Five C's of Credit — the same criteria institutional lenders use — without performing a credit inquiry or collecting private personal identifiers.

What are the Five C's of Credit in loan evaluation?

The Five C's of Credit are Character (credit history and score), Capacity (income and debt service ability via DTI or DSCR), Capital (down payment and reserves), Collateral (assets securing the loan), and Conditions (loan purpose, market environment, and industry factors). Lenders use this framework to evaluate every commercial and business loan application.

Does LendEval pull my credit or require a Social Security Number?

No. LendEval performs zero credit bureau inquiries (neither soft nor hard pulls). No Social Security Number (SSN) or Tax ID (EIN) is required. Your assessment is entirely private and educational.

What Debt Service Coverage Ratio (DSCR) do lenders require for commercial loans?

Most commercial lenders require a minimum DSCR of 1.20x to 1.25x, meaning property or business Net Operating Income must exceed annual debt service by at least 20% to 25%. SBA 7(a) guidelines typically look for a minimum 1.15x to 1.25x coverage.

How do commercial loan brokers use LendEval with their CRM?

Commercial loan brokers use LendEval to track client borrower evaluation drafts, receive automated alerts when client assessments remain idle for over 48 hours, and automatically push structured lead payloads via webhooks to CRMs including Zapier, Make, HubSpot, Salesforce, and Zoho CRM with HMAC signature verification.

Is LendEval completely free to use?

Yes. LendEval is 100% free. Both the real estate loan readiness assessment and business loan eligibility assessment, as well as the rent roll extractor, SBA document checklist, and scenario modeling tools, are available at no cost.

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Submit your inquiry or support ticket. Our AI engine diagnoses and resolves issues in real time, while automatically copying LendEval administrators for any request requiring human review.

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