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
Section 04 — Financial Appraisal
Key ratios
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.
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.
For Borrowers
Skip the broker. Reach lenders direct.
Get a credit paper that takes you seriously — and reaches the lenders most likely to fund your scheme.
Learn moreFor Brokers
Underwrite development with confidence.
License Assesr per case or per seat. Bring institutional-grade analysis to every developer who walks through your door.
Learn moreFor Lenders
Better deals. Better packaged.
Receive structured, comparable, mandate-matched credit papers. Spend underwriting time where it matters.
Learn moreBuilt 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.