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.

Does LendEval pull my credit?

No. LendEval never queries any credit bureau. No hard or soft credit inquiry is made through the Platform. You enter your credit score manually so we can evaluate your profile.

Is LendEval a lender or mortgage broker?

No. LendEval is strictly an educational pre-application readiness tool. We do not originate loans, broker deals, or generate leads for lenders. We help you understand your profile before you apply.

How accurate are the scores?

Our scoring engine is built on publicly documented lender criteria across the Five C's framework. It is designed to closely approximate how a typical commercial or residential lender evaluates an application. However, individual lenders have proprietary models, and scores are estimates — not guarantees of approval or denial.

Can I save my evaluation results?

Yes. Create a free account to save pre-assessment results and submit full applications. Your data is stored securely and never sold to third parties.

What documents can I upload?

Once you submit a full application, you can upload tax returns, bank statements, pay stubs, P&L statements, business licenses, government-issued ID, property documents, and other supporting materials. Accepted formats include PDF, Word, Excel, images, and plain text files up to 20MB each.

How do I check my application status?

Sign in and visit My Applications. You'll see the current status, any messages from the underwriting team, and the ability to upload additional documents.

Who reviews my full application?

Your full application is reviewed by LendEval's underwriting team, who may forward it to qualifying lenders. We will never share your application without your explicit consent through the application submission process.

How do I delete my account and data?

Submit a deletion request via our Contact or GDPR page. We will process your request within 30 days in accordance with applicable privacy regulations.

HomeLendEvalSupport

Real-Time AI Ticket Resolution & Admin Fallback System

LendEval Support Hub

Submit support tickets handled automatically by AI with error-free fixes in real time. If an issue requires underwriter review, an exact copy is automatically sent to administrators, and you receive confirmation every step of the way.

Create Real-Time AI Support Ticket

All tickets are analyzed and resolved in real time by our AI Support Engine. You will receive an immediate confirmation email, and if human review is needed, a copy will be automatically sent to LendEval Underwriting Administrators.

Common Underwriting Questions & Knowledge Base

Frequently asked questions about loan readiness, credit rules, and pre-assessments