Assesr

The AI commercial finance “associate”.

  • Automate the grunt work — run far more deals
  • Never hand off a deal again
  • Keep your client. Keep your commission.
Request a demo
£3.2M dev · 55% LTGDV

Assesr AI

Writing the credit paper…

Matched lenders

94%Matched
89%Matched
86%Matched

For brokers

Same hours. Far more deals.

Assesr automates the DSCR, lease and covenant maths on every commercial case — the grunt work that eats your day. So in the same working week you place more deals than you could ever do by hand, from the exact same clients.

Time to package one deal

~100× faster
By hand
15 hours
With Assesr
9 min

The old way

By hand

0 hrs / deal

You earn

£0/ month

Capped by the hours in your week

Re-key the deal into your model+3h
Build the DSCR & covenant model+4h
Write the commercial credit paper+4h
Chase lease, accounts & valuation+3h
Ring commercial lenders one by one+1h
≈ 15 hrs a deal → those hours cap you at 0 deals a month≈ £0 / month

The Assesr way

On autopilot

0 min / deal

You earn

£0/ month

Same you — Assesr runs the grunt work

Re-key the deal into your modelauto
Build the DSCR & covenant modelauto
Write the commercial credit paperauto
Chase lease, accounts & valuationauto
Ring commercial lenders one by oneauto
≈ 9 min a deal → the same hours now run 0+ deals a month≈ £0 / month — same you, far more productive

For brokers

Place every commercial deal — even the ones you'd refer away.

Outside your panel? Outside your expertise? Assesr connects you to the whole market and writes the credit paper — so you keep every deal instead of handing it off.

The old way

By yourself

0 deals handed off

Fees kept

£0

£0 referred away

New deal in…

£3.4M trade park · Manchester

No lender on your panel

Another broker's pile

Referred away — lost
0 clients gone · £0 walked out the door.

The Assesr way

With Assesr

0/3 placed

Fees kept

£0

Every deal placed yourself

New deal in…

£3.4M trade park · Manchester

No lender on your panel

Assesr AI

Brings the expertise
Writes the credit paper
Scans the whole market
56/56

Placed — fee kept

Placed by you — fee kept
Placing your deals · £0 kept so far.

Your relationship

Your client. Your commission. Assesr is the tool, not the replacement.

Assesr doesn't compete with brokers — it makes brokers better. You own the client relationship. You earn the commission. You're always in the loop. Assesr handles the analysis so you can focus on deal-sourcing, negotiation, and client service.

Your client's £4M deal
SubmittedFree
Papered & matchedFree
NegotiatedFree
Drawn downYou get paid

On drawdown, the client pays

0.5%Assesr
Your commissionyou set it — 100% yours
No upfront feesNo subscriptionNo credit-paper charges

Beyond the software

Do great work, and we'll send you borrowers for free.

Assesr finds borrowers who haven't found a human broker yet and we pass them to brokers who've already proven themselves on Assesr — for free. Build a strong track record here (great reviews, deals completed, fast responses) and you unlock a stream of warm borrower leads, matched to your scheme, sector and area — you don't buy them, you earn them for free. Just run each through Assesr at the standard 0.5% and charge your own commission on top — the client and the upside stay yours.

Apply for lead access

Broker leaderboard

live · ranked by deals & reviews

1Harlow & Co44 deals
2Marsh Finance38 deals
3Kepler Capital33 deals
4Denton Bridge25 deals
5You22 deals
Assesr sends you warm leads

Climb the board to unlock a stream of warm borrower leads…

Your 24/7 associate

Your free personal associate who knows every client's lease — at your desk, day and night.

Every broker gets Assesr AI. Ask anything about your commercial book, your clients' DSCRs or the whole commercial market and get a straight, specific answer in seconds — because it knows everything about your deals and Assesr.

Assesr AI

Online · answers 24/7

Knows your deals
Hi 👋 I've read every commercial deal on your book and each lender's covenant and WAULT box. Ask me anything.
Which of my clients' deals clear DSCR at current rates?
Whose DSCR clears?Best lender for Kelham?Soft covenants?Finance cost on Kelham?Leases expiring soon?Who to call today?
Ask anything about your deals…
How it works

Three steps to a placed deal.

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

Upload your client's deal pack and fill out the form

Guided commercial intake with a 24/7 AI assistant — property, income, lease and covenant captured, LTV, DSCR and income yield computed as you go, so you stop re-keying and stay the introducer. This is the actual form, pre-filled with a worked example — click through and edit any field to see the numbers update live.

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 a lender-ready commercial credit paper in 60 seconds — under your name

Assesr turns your client's commercial deal into a full lender-ready credit paper in ~60 seconds — debt-service (DSCR), lease and covenant graded A–E and grounded in the documents, so a junior looks senior. 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 lenders — you get paid

Assesr scores your client's deal against every specialist commercial lender's live mandate and shortlists the ones that actually fund it — you keep the client and the whole fee, and every response comes through you. 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 client's 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 client's case.

Assesr doesn't just grade the deal — you can rebut any risk or required fix with evidence on your client's behalf, and the AI re-weighs each point and reissues the paper. Just like arguing a deal 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

No commitment. Try it on a single deal.

Partner portal

Prefer to hand it over? Refer and get paid.

Not worth placing yourself? Refer the client instead — Assesr runs it 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%
Client data protection

Your clients' data is safer here than in your inbox

You're handling sensitive deal packs — title deeds, financials, valuations. Assesr protects every file with the same standards used by institutional lenders.

AES-256 encryption

Every document your client uploads is encrypted at rest and in transit — bank-grade, not email-grade

No passwords to leak

Magic link login means your team can't accidentally expose credentials

SOC 2 infrastructure

Your deal packs sit on certified cloud infrastructure with automatic threat protection

Client isolation

Lenders only see deals you send them. Your pipeline, your clients, your data — walled off

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

Why this matters

You don't just place deals. You put businesses in premises.

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.

Place it faster, and businesses get their premises.

Frequently asked questions

Questions brokers ask.

Yes. In tool mode you enter your client's details, Assesr packages and places the deal across the whole market, and you charge your client whatever fee you agree with them. Assesr handles the underwriting and matching in the background.

Yes. If a case isn't worth your time, refer the client with one link and get paid automatically on drawdown — like a partner, with zero packaging or chasing.

No — decide deal by deal. Put through the ones worth your fee, refer the rest.

Exactly like a normal borrower: Assesr's 0.5% on drawdown applies to the deal, and nothing is due unless it completes. Whatever you charge your own client is entirely separate and set by you — Assesr doesn't touch it.

Yes — the same account and link work across commercial, development, BTL and business finance.

View all FAQs

Turn your pipeline into income.

Put deals through and keep your fee, or refer and get paid automatically.

Start using Assesr
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