Now in private beta — UK development finance

Development finance,
decoded by AI.

Assesr turns your raw deal into a lender-ready credit paper and matches you with specialist lenders — direct, in hours, without a broker in the middle.

Trusted by developers from £500k schemes to £50m+ regeneration projects

assesr.app / credit-paper / KGT-2241
● live

Section 04 — Financial Appraisal

Key ratios

Risk grade B+

LTGDV

62%

LTC

78%

Profit / cost

21.4%

Peak debt

£5.2m

Scheme presents a balanced risk profile. GDV of £8.4m benchmarks within 4% of comparable transactions on Kingsgate Terrace and adjacent NW1 streets (mean £842/sqft). Build cost of £215/sqft sits at the upper end of the local range, supported by QS report and a 10% contingency.

Planning implementable. Two pre-commencement conditions outstanding — construction management plan and CIL payment of £142k — both achievable within typical timeframes. Recommend party wall agreements be progressed in parallel.

Generated by Assesr · 4 min 12 sMatched to 6 lenders

The problem

Development finance still moves at the speed of a fax machine.

A typical UK development finance deal takes 6–12 weeks to package — paper-heavy, broker-mediated, and re-keyed by every lender it touches. Borrowers wait. Lenders receive incomplete, inconsistent submissions. Brokers without development expertise misrepresent risk.

Meanwhile, the underlying analysis is mostly the same every time: planning risk, build cost, GDV, exit, sponsor, leverage. It's a perfect job for AI — but only if the AI knows what a credit committee actually looks for.

How it works

From deal pack to funded, in three steps.

01

Upload your deal

Drop in title docs, planning permission, QS report, valuation, and sponsor info. Assesr extracts every relevant datapoint and asks only what's missing.

02

AI builds the credit paper

Risk-graded credit paper with executive summary, financial appraisal, sensitivities and key mitigants — sequenced the way underwriters actually read.

03

Matched to lenders, direct

Submitted automatically to lenders whose mandate fits — geography, asset class, leverage, ticket size. They reply directly to you.

The credit paper

Every variable a credit committee asks about.

Assesr is built around the variables that actually decide a development finance deal — not a generic sourcing checklist. Each report is tailored to the risks of the specific scheme.

Borrower & sponsor

Experience, track record, credit checks, financial strength, area knowledge.

Site & location

Title review, covenants, easements, comparables, demographics, transport, demand.

Planning permission

Implementability, conditions, CIL/MCIL, S106, specialist reports, fees.

Legal & regulatory

Party wall, scaffold/access, rights of light, oversail, licence to alter.

Project reports

Measured, asbestos, drainage, geotech, hydrogeological, rights of light.

Design completeness

Architects, structural, M&E, interior, drainage, landscape — gaps flagged.

Costs & contingency

Build cost £/sqft, professional fees (11%), VAT treatment, sensitivity.

Contractor risk

Track record, financial strength, build duration, delay propensity.

GDV & exit

Comparable benchmarking, valuer credibility, exit strategy, loan term.

Built for trust

AI you can hand to a credit committee.

Assesr is not a black box. Every figure in the credit paper is sourced, explained and traceable back to its input. The AI walks the lender through the logic before it gets to the conclusion.

Sourced & traceable

Every datapoint links back to the document, registry or comparable it came from.

Sensitivity tested

GDV, build cost and term are stress-tested. Risk grade A / B / C with reasoning.

Lender-ready format

Executive summary first, key ratios up top, sequential logic — the way underwriters read.

Tailored, not templated

No two credit papers look the same. Each is shaped by the scheme's actual risks.

Get your scheme in front of the right lenders.

Submit a deal in minutes. We'll come back with a credit paper and a shortlist of lenders matched to your scheme.