Assesr

The AI commercial finance “broker”.

  • Quarter the fees.
  • 2 mins, not 2 weeks.
  • AI match scores across 50+ lenders.
Request a demo
£3.2M dev · 55% LTGDV

Assesr AI

Writing the credit paper…

Matched lenders

94%Matched
89%Matched
86%Matched

The fee

A quarter of the broker fee.

On a £3,000,000 loan a broker charges 2% — £60,000. Assesr charges 0.5%. You keep the £45,000 difference.

On a £3,000,000 development loan

Traditional broker fee2%
£0
Assesr fee0.5%
£0

You save

£0

Free to use

No upfront or subscription fees

No deal, no fee

Pay nothing if your deal doesn't complete

Just 0.5%

Only pay when your deal completes

See the difference

Matched in minutes, not weeks.

One £4m commercial deal, one shared clock. Assesr papers it and scores it against every lender — you're matched to 50+, ranked by fit, in minutes. The broker route re-keys your deal by hand, writes the paper by hand and rings a few they'd guess — a couple of weeks to come back with two or three. Same deal, matched in minutes not weeks.

Time to match one deal

~2 min vs 2 weeks
Broker
Day 1
With Assesr
~2 min

The old way

Through a broker

Day 1

They re-key your deal by hand

2

They write your credit paper by hand

3

They ring a few they guess might fit

The Assesr way

One AI platform

running…
1

AI helps you fill in one form

2

AI writes an institutional-grade credit paper

3

AI % matched with 50+ lenders

Both racing the same clock…

Lender matching

A handful vs the whole market.

A broker rings the lenders they happen to know. Assesr scores your deal against every specialist lender's mandate — instantly.

The old way

A broker's rolodex

0 reached
wrong fit£4m
Slow, partial — and matched on relationships, not your deal.

The Assesr way

Every mandate, scored

0 best-fit
0/56 mandates scanned£4m
Every one of 50+ lender mandates scanned on LTV, sector, size & geography — non-fits filtered, best fits ranked.

How easy it is

One form. The whole market. Done.

Skip the broker runaround — the emails, the calls, the ghosting, the "not my area". Fill one short form and every specialist lender that fits comes back to you.

The old way

The broker runaround

0 emails · 0 calls
Broker A
Broker B
Broker C
Broker D
Broker E
Broker F
Days of chasing — and still 0 offers.

The Assesr way

One form

1 form · 0 offers
Deal…
Loan required…
Exit…
Submit — one click
Allica BankOffer · 7.2% · 60% LTV
ShawbrookOffer · 7.4% · 65%
OakNorthOffer · 7.6% · 70%
YBS CommercialOffer · 7.1% · 60%
Every matching lender responds — automatically.

Prefer a human?

Assesr does it all — but if you'd like a broker, we'll introduce one.

We built Assesr so you can raise finance without a human broker: an AI credit paper in 60 seconds, matched to 50+ specialist lenders. But if you'd still like someone experienced in your corner, we'll connect you with a vetted broker who can run your deal through the same engine for an extra commission.

Request a broker introduction

Your deal — Riverside Mills

£3.2M development · Bristol

Live

Assesr AI · included

Papering your deal…

same engine

Add a human broker· optional

A person in your corner — only if you want one.

Assesr AI does it all. No broker needed.

Your 24/7 commercial desk

Your free personal commercial-finance expert who knows your asset — on call, day and night.

Every borrower gets Assesr AI. Ask anything about your asset, your DSCR or the whole commercial market and get a straight, specific answer in seconds — because it knows everything about your asset and Assesr.

Assesr AI

Online · answers 24/7

Knows your deals
Hi 👋 I've read your Kelham Works lease and every commercial lender's box. Ask me anything.
Does the tenant covenant support the loan I want?
DSCR checkBest rate at 65%?All-in 5-yr cost?Interest-only?Short lease — who lends?If the tenant leaves?
Ask anything about your deals…
How it works

From your deal to funded, in three steps.

No forms to chase. No black box. Every screen below is the real, live app — click through it, scroll it, edit it. This is exactly what you'll use.

Step 01

Tell us about the property & income

Guided intake for value, purpose (owner-occupied or investment), rent or business profit, lease and tenant — LTV, income yield and debt-service cover (DSCR) recompute live as you type. This is the actual form, pre-filled with a worked example — edit any field to watch the numbers move.

live

5-step intake

Unit 4 Trade Park

Industrial investment · Birmingham

LTV

65%

Debt-service cover

164%

Net yield

8.0%

Step 03 of 5

The loan

What you're looking to borrow.

£

Step 02

AI builds your commercial credit paper

Assesr turns your inputs into a lender-ready commercial credit paper in ~60 seconds — debt-service analysis, property & lease, borrower & covenant strength and the exit, graded A–E and grounded in your documents. The real paper is below — scroll every section a lender sees, or click to switch credit papers.

Grade A-
Click a deal to switch — each is a real paper, graded A–E
Risk gradeA-

Executive summary

A £1,320,000 investment facility (55% LTV) to purchase a convenience supermarket in Reading, let to a national grocer on a 15-year FRI lease with RPI-linked uplifts. Debt-service cover of 160% and low leverage make this a low-risk income play. Recommendation: proceed to terms.

Institutional-quality income: a single-let convenience store let to a national grocery covenant on 15 years unexpired with RPI uplifts, at a conservative 55% LTV and 160% debt-service cover. Graded A- rather than A only for single-tenant concentration.

Property value

£2,400,000

Loan

£1,320,000

LTV

55%

Annual rent

£132,000

Net yield

5.5%

Debt-service cover

160%

Lease unexpired

15 years

Tenant covenant

Very strong (national grocer)

Property & lease

A modern freehold convenience supermarket with parking on an arterial Reading route. Let to a national grocery operator on a 15-year full-repairing-and-insuring lease with 5-yearly RPI-linked uplifts — an institutionally-attractive, index-linked income stream.

Debt service analysis

£132,000 passing rent against interest-only debt service of ~£82,500 (£1.32m at ~6.25%) gives a DSCR of ~160%. RPI uplifts grow income over the term while the FRI lease keeps net close to gross.

Business & covenant

Purchased via an SPV by an experienced commercial investor. The tenant covenant is national and investment-grade, materially de-risking income. Rent is well-supported by grocery-let comparables.

Exit & refinance

Hold for index-linked income with refinance at term, or sale to an institution at the prevailing supermarket yield. Covenant strength and lease length underpin exit certainty.

Risks & mitigants

Single-tenant concentration

Medium

Investment-grade covenant; 15-yr term; strong re-let/alternative-use demand

Yield movement on exit

Low

Low leverage; index-linked income; long unexpired term

Recommended terms

  • Facility: £1,320,000 (55% LTV) · 5-year term
  • Interest only · rate ~6.25%
  • First legal charge + assignment of rent + FRI lease
  • SPV debenture + personal guarantee

Lender questions

  • Confirm the covenant entity and any lease break clauses.
  • Confirm the RPI uplift schedule and caps/collars.

Step 03

Matched to commercial lenders

Assesr scores your deal against every lender's live criteria and shortlists only those that fund your DSCR, LTV, property type and purpose — then notifies them instantly. The real marketplace is below — open any matched lender.

3 matched

Lenders matched to your deal

1

Specialist lender — name revealed on acceptance

EliteWinning lenderShortlistedLast seen 2/19/2026

Specialist commercial investment lender; strong appetite for single-let industrial on institutional leases.

AI insight

Strong fit: mandate targets single-let commercial to 65% LTV with a national covenant. Your 165% DSCR and 9-year lease are comfortably inside appetite.

Industrial investmentStrong covenant9-yr FRI lease

93%

Mandate fit

Speed

8h avg response

Rejection rate

22%

Completion time

45d avg to drawdown

Verified deals

64 total · 15 similar

Normal focus

Commercial Investment

Has not viewed this deal yet

4.6/512 verified reviews

Fast and commercial — Clear terms, quick to complete. Would use again.

Full reviews visible after lender shortlists your deal

Terms accepted — in due diligence

You accepted Specialist lender — name revealed on acceptance's terms. Use the messaging tab for all DD communication.

Full details shared
2

Specialist lender — name revealed on acceptance

PreferredRequested infoNot yet viewed

Established commercial lender that likes well-let industrial and logistics assets with amortising debt.

AI insight

Good fit: has asked for the tenant's latest accounts to confirm covenant strength — routine for single-let cover.

Commercial mortgageSPV borrower£487k facility

87%

Mandate fit

Speed

22h avg response

Rejection rate

22%

Completion time

45d avg to drawdown

Verified deals

20 total · 5 similar

Normal focus

Commercial Investment

Has not viewed this deal yet

4.6/512 verified reviews

Fast and commercial — Clear terms, quick to complete. Would use again.

Full reviews visible after lender shortlists your deal

Requested more information

2/19/2026

Specialist lender — name revealed on acceptance wants to know more before deciding. Check the Info requests tab below and respond promptly — faster responses lead to better outcomes.

Waiting for lender to shortlist before you can share full details.

3

Specialist lender — name revealed on acceptance

ProvenReviewingNot yet viewed

Challenger bank building a commercial book; competitive on term length for well-let regional assets.

Birmingham20-yr termExperienced borrower

80%

Mandate fit

Speed

12h avg response

Rejection rate

22%

Completion time

45d avg to drawdown

Verified deals

20 total · 5 similar

Normal focus

Commercial Investment

Has not viewed this deal yet

4.6/512 verified reviews

Fast and commercial — Clear terms, quick to complete. Would use again.

Full reviews visible after lender shortlists your deal

Reviewing your deal

This lender has been matched and notified. They're reviewing your credit paper and deal details. You'll be notified when they take action.

Overdue by 4615h — Assesr is chasing themTypically responds in 12h · Assesr enforces a 24h response SLA

Waiting for lender to shortlist before you can share full details.

If it's not ready

Deal not ready? Assesr tells you exactly how to fix it

Most platforms just reject your deal. Assesr generates a comprehensive AI remediation report — a full roadmap with specific field changes, documents to obtain, and the exact questions a credit committee would ask. No other platform does this.

Grade E

This deal cannot be submitted to lenders

Grade E — Not fundable as structured: leverage is above commercial maximums for the covenant, debt-service cover is below the 130% floor once stressed, and the short unexpired lease term leaves the exit exposed. Three fixes bring it to investment grade. — here's how to fix it

Estimated grade after fixes:B
1

LTV too high for the tenant covenant

Reduce to 65% LTV, or strengthen security with an additional charge

Impact: E → C — aligns leverage with covenant strength
2

Debt-service cover below 130% DSCR

Extend the term to 20–25 years, or evidence a higher passing rent at review

Impact: C → B — restores comfortable debt-service cover
3

Short unexpired lease term weakens the exit

Agree a reversionary lease or evidence strong re-letting demand for the asset type

Impact: Removes the primary exit concern for the credit committee

Ready to fix and resubmit?

Address the issues above, update your intake fields, then regenerate the credit paper. Your grade will be reassessed based on the updated data.

You're in control

Disagree with the AI? Argue your case.

Assesr doesn't just grade your deal — you can rebut any risk or required fix with evidence, and the AI re-weighs each point and reissues your paper. Just like arguing a deal with a broker, before it ever reaches a lender.

Grade C → B

Risk Review

Disagree with a risk or a required fix? Make your case — exactly like you would with a broker before a deal goes to lenders. Respond to any point below, add evidence, then regenerate: the AI re-weighs each argument and reissues your paper.

After your responses, this paper regenerated from Grade C to Grade B.

How the AI weighed your responses

  • Trading-dependent debt service

    Accepted

    You said: Provided three years' certified accounts and current management accounts, with EBITDA add-backs itemised.

    Analyst: A credible, evidenced EBITDA picture; the 135% DSCR is now supportable.

    Debt-service evidenced — C → B.

  • Going-concern vs vacant-possession value

    Accepted

    You said: Agreed to lend against the lower vacant-possession value.

    Analyst: Lending on VP value caps loss severity for the lender.

    Downside floored.

  • Operator experience light for the scale

    Partly accepted

    You said: Added a cash-reserve covenant and quarterly reporting.

    Analyst: Covenants give visibility, but this remains a step-up in scale for the operator.

    Reduced, not removed.

  • DSCR sensitivity to a downturn untested

    Accepted

    You said: Modelled a 15% revenue-down scenario showing DSCR holding at 1.10x after the cost-flex plan.

    Analyst: A stressed DSCR above 1.0x with a credible cost-flex plan evidences resilience to a trading dip.

    Downside serviceability evidenced — supports B.

  • No fallback if the going concern fails

    Partly accepted

    You said: Evidenced a credible alternative-use / VP disposal route with local demand for the building.

    Analyst: An alternative-use exit caps downside, but a change of use would take time and consent — a mitigant, not a certainty.

    Downside softened, held at B.

  • Purchase price above the going-concern valuation

    Not accepted

    You said: Sponsor argues the trading uplift justifies the premium but supplied no post-completion business plan or comparable sale.

    Analyst: Paying above the going-concern value on an unevidenced uplift raises day-one LTV risk; assertion doesn't support the premium.

    Risk maintained — evidence needed.

Submit a deal for free

The Assesr Standard

The credit paper lenders know and trust.

Every deal you submit becomes an Assesr-standard credit paper: institutional-grade, standardised and trusted right across the lender market — presenting your deal in its best possible light so it gets the best possible shot at funding.

14 Kingsgate Terrace

Assesr credit paper

Grade A
14 institutional sectionscommittee-ready
Every figure sourced & traceableno “Source: ???”
GDV backed by local comparablesevidenced
Planning & title checked against source recordsverified
Sensitivity-tested — GDV −10%, cost +10%, delaystress-modelled
Exit tested two ways — sales and refinanceexit-proofed
Every red flag surfaced up front, with the fixno surprises
Risk-graded A–E, with reasoninggraded
Standardised — the same structure, every timeinstantly comparable
The AssesrStandard

You're in control

Power to the borrower — not brokers or lenders.

Assesr flips specialist finance in your favour: matched lenders compete for your deal in the open, every one is scored and held to account — slow ones nudged, bad ones removed — and you see every metric yourself, with no middleman deciding what you get to know.

Competing for your £3.2M deal

live · ranked by reputation

You see all
1Lender AElite2h avg · 47 deals0%

Matched

2Lender BPreferred6h avg · 31 deals0%

Matched

3Lender CProven18h avg · 12 deals0%

Matched

Ranked by speed · completions · reviews · mandate fit — behave, or get downranked.

What's included

Every commercial property type we cover.

Owner-occupied or investment, across all the main commercial asset classes.

01

Office

Offices and workspace, single or multi-let.

02

Retail

Shops, showrooms and retail units.

03

Industrial & warehouse

Warehousing, units and light industrial.

04

Leisure & hospitality

Pubs, hotels, gyms and leisure premises.

05

Healthcare

Care homes, surgeries and medical premises.

06

Semi-commercial / mixed-use

e.g. retail or office with flats above.

07

Owner-occupied

Your business buying its own premises.

08

Investment

Tenanted commercial property let for income.

09

Purchase & refinance

Acquisitions or refinancing existing commercial debt.

Partner portal

Know someone else who needs finance?

Refer any developer, landlord or business owner you know — Assesr does the work end-to-end and you earn on every drawdown, with your cut rising the more frequently you refer. It's already in your account — just click Partner portal on your dashboard.

Your personalised landing page
£3.2M dev · 55% LTGDVReferred

Assesr AI

Writing the credit paper…
Your earnings auto · Stripe

Total earned

£0

Bronze 0.10%
Bank-grade security

Your scheme data is protected at every step

Assesr handles sensitive financial data the way institutional platforms do — encrypted, audited, and locked down by design.

AES-256 encryption

Every document and data point encrypted at rest and in transit with bank-grade standards

Passwordless login

Magic links and OAuth — no passwords stored means nothing to breach

SOC 2 infrastructure

Hosted on certified cloud providers with automatic DDoS protection

Role-based access

Lenders never see other lenders. Borrowers never see other deals. Enforced server-side

Read the full security overview

Why developers choose Assesr

The only platform where you submit directly — for free.

Other platforms make you go through a broker. Other brokers charge 1–2%. Assesr gives you institutional-grade analysis and 50+ lenders at a quarter of the cost.

FeatureAssesrBrickflowBrokaDealLockerProppKnowledge BankTraditional broker
AI credit paper generation
Direct borrower accessList dealsVia enquiry
Automated lender matchingRate comparison
Document extraction (AI)
No upfront cost
Pay only on successVariesVaries
See the full comparison with all features

Frequently asked questions

Everything you need to know.

No — commercial mortgages (lending to businesses secured on commercial property) are unregulated.

Both — we assess owner-occupied on business affordability, and investment on the tenant/lease and rental cover.

Yes — mixed-use like a shop with flats above is supported.

Free to submit and generate a credit paper. 0.5% on drawdown if it completes.

View all FAQs

Why this matters

Every deal is a business in a home of its own.

Faster funding

Credit papers in 60 seconds. 50+ lenders matched instantly.

More homes built

Developers break ground sooner. SME builders can compete again.

Lower prices

More supply means less pressure. Prices stabilise for everyone.

Homeownership for all

First-time buyers stop saving for a decade. Families find homes.

Annual housing target vs delivery

1.5M promised

~20% delivered

Target
300k
2023/24
221k
2022/23
234k
2021/22
233k
2020/21
216k
2019/20
243k

The government committed to 300k homes/year. Delivery has never come close. The pipeline between willing developers and willing lenders is the bottleneck.

SME housebuilders in the UK

Down 80%

in a single generation

1988200020122024
12,200
~2,500

Small and medium developers once built most of Britain's homes. Red tape, slow funding, and broker bottlenecks have decimated them. The homes they'd have built were never started.

Years to save a deposit

10+ years

for the average first-time buyer

gap
1997200520152024
House prices
Wages

House prices have grown 5x faster than wages since 1997. Every home that doesn't get built makes the next one more expensive — for everyone, not just first-time buyers.

Get funded faster, and businesses get their premises.

Get your commercial deal funded.

Free to submit. Lender-ready in about a minute.

Start your commercial deal
The Friday Read

Not ready yet? Get one sharp read every Friday.

One email a week — the rate move, lender shift or deal structure worth knowing in specialist property finance. No fluff, no spam. Unsubscribe any time.

Free · one email a week · unsubscribe any time.

Find your page

Everything Assesr does, in one place.

Pick who you are, then your product line.

Borrowers — pick your product line

Development

Ground-up, conversion, refurb & bridge finance for property developers.

Explore development

Buy-to-let

SPV, limited-company, HMO, MUFB & portfolio buy-to-let mortgages.

Explore buy-to-let

Commercial

Buy or refinance premises — office, retail, industrial, semi-commercial.

Explore commercial