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.

Borrower Document Vault | Secure SBA & Commercial Loan Repository

Answer-First Canonical Definition

How does the LendEval Borrower Document Vault protect loan documents?

The LendEval Borrower Document Vault organizes verified borrower files (tax returns, SBA statutory forms, financial schedules, and asset appraisals) with client-side isolation. Files attached to checklist items are cross-indexed to specific underwriting standards and can be seamlessly attached to institutional loan applications without resubmission.

Underwriting Formula:Vault Readiness = (Attached Statutory & Financial Docs / Required Program Items) × 100

Governing Standard: SBA SOP 50 10 7.1 § A & LendEval Pre-Underwriting Standard

Guest Mode Active: Documents are currently stored in your active browser session. Sign in or register to permanently safeguard your vault across devices.

Total Documents

Active in borrower repository

Draft Assessments

In-progress evaluations saved

Total Storage

0 B

Total storage utilized

Readiness State

Empty

Based on documents & drafts

In-Progress Draft Assessments

Saved evaluations synced with your borrower vault. Automated email reminders trigger when drafts remain idle for 48+ hours.

New RE Assessment New Business Assessment

No active draft assessments found. As you complete steps in Real Estate or Business evaluations, your progress automatically syncs here.

Commercial Loan Broker Client Leads

Code: BRK-LEND-882

Track referred borrower evaluations and receive automated lead alerts (Email & verified SMS) when client drafts go idle for >48 hours.

Send Email Invite

Referred Client Pipeline

4 Deals

Linked to BRK-LEND-882

Idle >48h (Action Required)

3 Leads

Automated alerts active

Active Within 48h

1 Leads

In-progress progress

Alert Channels

SMS

david.sterling@sterlingcapadvisors.com

>48-Hour Commercial Lead Inactivity Warning: 3 borrower deals have paused evaluation for over 48 hours. Lead alerts have been sent to your broker email and mobile SMS.

Source:

Marcus Vance (Apex Logistics LLC)

Business / SBA 7(a)

52h Idle Alert Dispatched

Step 3 of 6: Capital & Reserves50% Complete

Loan: $750,000$2,450,000 Annual Revenue$310,000 EBITDADSCR/FCCR: 1.42x FCCR

✉️ m.vance@apexlogistics.com📞 +1 (555) 381-9920Note: “Client paused during balance sheet liquidity entry. Strong business fundamentals.”

Referral Attribution:

Ref: BRK-LEND-882

Source: linkedin_campaign

Campaign: q3_sba_advisory

Landing: /business

Inspect Wizard Step

Elena Rostova (Harborview Plaza Holdings)

Commercial Real Estate

64h Idle Alert Dispatched

Step 4 of 6: Collateral & Valuation67% Complete

Loan: $2,400,000$3,600,000 Estimated Value$285,000 Annual NOIDSCR/FCCR: 1.35x DSCR

✉️ elena@harborviewassets.com📞 +1 (555) 724-6019Note: “High quality multi-tenant retail property (92% leased). Client needs rent roll sync.”

Referral Attribution:

Ref: HARBOR_PARTNER

Source: cre_broker_network

Campaign: retail_refinance_2026

Landing: /real-estate

Inspect Wizard Step

Dr. Julian Hayes (Metro Dental Partners)

Business / SBA 7(a)

Active (14h ago)

Step 2 of 6: Capacity & Cash Flow33% Complete

Loan: $420,000$1,180,000 Annual Revenue$240,000 Cash FlowDSCR/FCCR: 1.58x FCCR

✉️ jhayes@metrodentalclinic.com📞 +1 (555) 819-3342Note: “Active evaluation. Scheduled meeting for next Tuesday regarding equipment terms.”

Referral Attribution:

Ref: BRK-LEND-882

Source: email_outreach

Campaign: medical_practice_expansion

Landing: /business

Inspect Wizard Step

Nathaniel Cole (Cole Commercial RE)

Commercial Real Estate

76h Idle Alert Dispatched

Step 5 of 6: Conditions & Tenancy83% Complete

Loan: $1,850,000$2,700,000 Purchase Price$215,000 Stabilized NOIDSCR/FCCR: 1.28x DSCR

✉️ nate@colecommercialproperties.com📞 +1 (555) 902-1845Note: “76h idle notice dispatched. Needs assistance verifying tenant lease rollover terms.”

Referral Attribution:

Ref: COLE_DIRECT

Source: google_adwords

Campaign: commercial_mortgage_calculator

Landing: /real-estate

Inspect Wizard Step

Your Document Vault is currently empty

Attach documents directly from the SBA Loan Document Checklist Generator, or upload files directly using the button above.

Go to SBA Checklist

Ready to Submit Your Loan Application?

All 0 verified documents in your vault will automatically link to your business or commercial real estate loan application file for underwriter review.

RE Checklist SBA Checklist Real Estate App Business App