Underwrite with evidence.
Test a borrower's assumptions against comparable evidence, planning precedent and grid capacity for the exact site, before credit committee.
What credit teams use it for
Evidence a credit committee can follow.
Filter a loan book by planning risk
Every site in the book carries the same scorecard and stage. Sort by profit on cost or planning exposure and see which loans need a closer look.
Overview and pipeline
Stress test the borrower's numbers
Load the scheme into a live residual appraisal. Move sales values, build cost or land price and profit on cost responds in seconds.
FeasibilityPlanning risk as an underwriting input
Refusals on the site, decided schemes next door and how long each took. The planning history is on the file before terms go out.
Planning history
A red flag before drawdown
Substation headroom near the site, with winter and summer capacity. A constrained grid shows up at credit stage, while there is still time to price it.
Grid capacity
A risk score you can audit
The appraisal, planning, market and construction data combined into one score out of 100, with the number behind each category.
SmartScore
Also built for
Bring a site you're looking at. We'll run it live.
Demos take twenty minutes, and there's a free six-day trial afterwards.