Everything you need to know.

Assesr charges an Assesr fee of 0.5% of the final loan amount on drawdown — a quarter of the typical 2% placement fee. No upfront fees, no subscription, no charges for generating credit papers. You only pay when your deal actually completes and the loan draws down.

When you submit your deal to the lender marketplace, you'll see a fee agreement showing the Assesr fee (0.5%), the estimated fee based on your loan amount, and the full terms. You must accept this before your deal goes live. The agreement is stored securely as the basis for invoicing.

Automatically via Stripe. When your deal draws down, Assesr generates a VAT invoice and sends it to you via Stripe with a secure payment link. You pay by card, Apple Pay, or Google Pay — it takes 30 seconds. Payment is due within 14 days of drawdown. If you don't pay, Stripe sends automatic reminders. No manual invoicing, no bank transfers, no chasing.

You pay nothing. The fee is only triggered when a loan actually draws down. If your deal doesn't reach drawdown — for any reason — no fee is payable. Assesr only earns when you succeed.

Yes. The Assesr fee (0.5%) is subject to VAT at the prevailing rate (currently 20%). Assesr Ltd is VAT registered. A VAT invoice is generated and sent automatically via Stripe when the deal is drawn — fee plus VAT as separate line items.

Traditional placement fees are typically 1–2% of the loan amount — that's £20k–£100k+ on a typical development finance deal. The Assesr fee (0.5%) is a quarter of the cost, and you get whole-market access (50+ lenders), an AI credit paper, and full marketplace transparency on top.

Nothing. Lenders pay zero — no platform fees, no subscription, no cost to receive or review deals. The Assesr fee (0.5%) is paid by the borrower, not the lender.

A credit paper is the structured document that presents a development finance deal to a lender's credit committee. It covers the borrower, scheme, planning, financial appraisal, risks, and proposed debt structure — in the sequential format credit committees expect. It's the document that decides whether your deal gets funded.

About 60 seconds once you've completed the intake. The traditional process of manually writing a credit paper takes 40+ hours of broker time over 6–12 weeks. Assesr generates one in hours from a typical deal pack.

1) Executive summary with deal-at-a-glance metrics. 2) Borrower & sponsor assessment with credit checks. 3) Site & location analysis with £/sqft comparables. 4) Planning permission review with conditions parsed. 5) Legal & regulatory approvals tracking. 6) Project reports and risk extraction. 7) Design consultant appointments and gaps. 8) Costs, GDV & financial appraisal. 9) Contractor & build risk assessment. 10) Exit strategy, loan term sizing, and lender recommendation.

Profit on cost, LTC (loan-to-cost), LTGDV (loan-to-gross-development-value), IRR, peak debt, NAV cover, build cost per square foot, and GDV per unit. All cross-checked against comparable evidence.

Yes. Your intake stays editable at any stage. Update any section, upload new documents, and regenerate — the credit paper updates automatically and lenders always see the latest version.

Every figure in the credit paper is sourced from your intake data or uploaded documents — nothing is invented. The AI structures and analyses the information the way an experienced underwriter would, but all datapoints are traceable back to their source. If a figure can't be verified, the paper flags it.

Assesr grades each deal from A to E with detailed reasoning. A = institutional quality with excellent fundamentals. B = good deal with manageable risks. C = viable but with material conditions to address. D = significant restructuring needed. E = not fundable as currently structured. Each grade explains exactly what drives the assessment.

Sensitivity analysis stress-tests your deal against adverse scenarios: GDV falling 10%, build costs rising 10%, and a 6-month construction delay. It shows lenders how resilient the deal is if things don't go exactly to plan — and whether the key ratios still hold under pressure.

Every figure in the credit paper links back to where it came from — your uploaded documents, public registries, or comparable transactions. For example, GDV is cross-checked against comparable sales in the postcode at a £/sqft level. Build cost is verified against the QS report. Title details are parsed from the Land Registry document. Nothing is copy-pasted without attribution.

No two credit papers look identical. While the 10-section structure is consistent (so lenders can compare deals), the content is shaped by each scheme's actual risks. A conversion in conservation area will flag different issues than a ground-up new build with complex ground conditions. Risk flags, sensitivity weightings, and committee questions are all deal-specific.

The credit paper is structured digitally on the platform so lenders can read it section by section. Executive summary comes first (how credit committees actually read), followed by sequential logic through every variable that affects the credit decision.

Assesr analyses 10 key variables before a lender ever sees your deal: 1) Borrower & sponsor, 2) Site & location, 3) Planning permission, 4) Legal & regulatory approvals, 5) Project reports, 6) Design consultants, 7) Costs, GDV & financial appraisal, 8) Contractor & build risk, 9) Exit strategy & loan term, 10) Lender matching.

Company details, applicant info, assets, liabilities, prior projects, and track record. Credit and adverse checks are run automatically. Past projects are assessed for relevance to the proposed scheme — area knowledge, asset class, scale, and exit type.

The title number or certificate is parsed for restrictive covenants, easements, and freehold/leasehold issues. Comparable transactions in the postcode are benchmarked to a £/sqft mean. Local context is layered in: demographics, transport links, schools, crime data, and demand drivers.

The planning document or council reference is parsed for all conditions. Pre-commencement and post-commencement conditions are separated — this matters because you can't draw down until pre-commencement conditions are cleared. CIL, MCIL, S106, and council legal fees are calculated and timed against the build programme.

Party wall agreements, scaffold and access licences, rights of light, oversail agreements — every approval needed to complete the build is identified and flagged as outstanding, in progress, or done. These are often the hidden delays that catch lenders off guard.

Measured survey, asbestos, drainage, geotechnical, hydrogeological, rights of light — each report is parsed for the risks that drive cost overrun: ground obstructions, foundation design, drainage runs over private land, flood risk, and claim exposure.

Architect, structural, M&E, interior, drainage, landscape — what's appointed, what's outstanding, and what onerous engagement terms exist. Design gaps directly inform the contingency recommendation in the credit paper.

Land cost, build cost (£/sqft), professional fees (typically 11%), contingency (10%+ as risk dictates), VAT treatment, and lender fees. GDV is cross-checked against local comparable transactions and valuation sources — the AI assesses whether the proposed GDV is supported by evidence.

Contractor track record, references, financial strength, default history, and liquidity. Build duration is stress-tested against site complexity, ground conditions, and neighbourly issues to estimate overrun risk.

Sale, refinance, or lease — each exit route is reviewed and stress-tested. Loan term is sized to build plus sales window. Standard 18 months (12 build + 6 sales) is used as baseline, adjusted to the scheme. The credit paper flags if the exit is tight or dependent on assumptions.

A guided form that walks you through everything a lender needs: (1) Scheme details, (2) Borrower & sponsor, (3) Loan requirements, (4) Site information, (5) Planning permission, (6) Build costs & contractor, (7) GDV & exit strategy, (8) Fees & finance, (9) Equity & security, (10) Review & generate.

No. Progress saves automatically. Come back any time to pick up where you left off. You don't need everything upfront — fill in what you have and return later.

The key documents are: title deeds (shows ownership), planning consent (proves permission), QS report (independent cost estimate), RICS valuation (independent value assessment), sponsor CV (track record), build programme (construction schedule), and any surveys (asbestos, drainage, geotechnical, measured). Better documents = stronger credit paper.

When you upload a document, Assesr's AI reads and indexes it automatically — whether it's a PDF, Word doc, Excel spreadsheet, or image. It extracts relevant datapoints (figures, conditions, dates, parties) and uses them to populate the credit paper. You don't need to manually copy anything.

PDF, Word documents (DOC/DOCX), Excel spreadsheets (XLS/XLSX), and images (JPG, PNG). PDFs are text-indexed automatically. Maximum file size is 25 MB per document.

Submit what you have. Required fields are marked, but optional fields and additional documents strengthen the credit paper. The AI will identify what's missing and tell you what would improve the paper. You can always upload more later and regenerate.

Yes. Each deal has its own intake, documents, and credit paper. Manage them all from your dashboard.

Hit generate and your credit paper is produced in about 60 seconds. Review it, then submit to the lender marketplace. Assesr automatically matches your deal to every lender whose mandate fits. You'll start seeing lender responses within days.

Each lender on the platform sets their mandate: geography (e.g. London & South East only), asset class (residential, commercial, mixed-use), ticket size (min/max loan amount), leverage appetite (LTC/LTGDV limits), and developer experience requirements. When you submit a deal, Assesr automatically matches it to every lender whose mandate fits — not just 2–3, but across the whole market.

On average, 8+ specialist lenders are matched per deal. The exact number depends on your scheme — geography, asset class, loan size, and leverage all affect which mandates fit. Some deals match with 15+, others with 5–6.

Matching is automatic based on mandate criteria. You can't hand-pick individual lenders, but you can see how many have been matched, how many are reviewing, and how many have shortlisted. This prevents cherry-picking bias and ensures whole-market coverage.

Matched lenders receive your full credit paper in a standardised format. They review it privately and respond with their stance: shortlist (want to talk), request info (need more detail), or decline (not for their book). You see anonymous counts of each response type on your deal dashboard.

Matched lenders have a 4-hour SLA enforced by the Deal Velocity Engine. Most borrowers receive their first lender response within hours — not days. The engine sends automated reminders, competitive pressure alerts, and reassigns leads to faster lenders if deadlines are missed. Compare this to the 6–12 weeks a traditional broker process takes.

Yes. When lenders submit terms, they appear in a structured side-by-side comparison table — interest rates, fees, leverage, conditions, completion time, and lender reputation signals all displayed consistently. Accept the best offer with one click.

Communication is structured and stays on-platform. Lenders request specific information (documents, clarifications, site queries) via structured forms — you see exactly what's needed and respond directly. When a lender shortlists, they submit structured terms you can compare. For detailed due diligence communication, a message thread opens. Contact details are automatically redacted from all messages until deal completion.

No. All communication goes through the platform. Email addresses, phone numbers, social media handles, and URLs are automatically detected and removed from every message — including creative workarounds like spelling out numbers or using 'at' instead of '@'. Contact details are only shared after a deal reaches completion.

Sign up from the login page. During onboarding, activate your lender role and set your mandate preferences — geography, asset class, ticket size, leverage appetite, and developer experience requirements. You'll start receiving mandate-matched deals immediately.

Yes, any time. Update your geography, asset class filters, ticket size range, leverage limits, and experience requirements from your preferences page. Changes take effect immediately — new deals are matched against your updated criteria.

Completely. Shortlist, decline, or request info — all privately. Borrowers see anonymous counts only (e.g. '3 lenders shortlisted') but never individual lender identities, stances, or notes.

Your private response to a deal: Shortlist (interested, want to proceed), Request info (need more detail before deciding), or Decline (not for your book). You can change your stance at any time and add private notes for your own reference.

No. Receiving, viewing, and reviewing deals is completely free. Commission is only paid when a deal is funded and the loan draws down.

Instead of a 2-page teaser, an unsorted Dropbox folder, or a broker's PowerPoint, you receive a standardised 10-section credit paper with sourced figures, sensitivity analysis, and a risk grade. Every paper follows the same structure — so you can compare deals at a glance rather than rebuilding the analysis from scratch each time.

Yes. Webhook notifications are available for new deal matches, status changes, and document updates. When a new deal matches your mandate, Assesr can automatically send the details straight into your existing CRM, deal management tool, or internal system — no need to log in and check manually.

93% of credit papers sent to matched lenders are read through in full. This is because papers are only sent to mandate-matched lenders (no noise), they follow a standardised institutional format (easy to read), and they include the sourced data and sensitivity analysis lenders need to make a decision.

Every deal shows a ranked leaderboard of matched lenders. Each lender profile displays 5 key signals: response speed, rejection rate, completion time, verified deals funded, and similar deals completed. Plus, AI generates a bespoke explanation of why each lender is a strong fit for your specific deal — referencing their actual history and your deal's details.

When lenders are matched to your deal, AI analyses each lender's history against your specific scheme and generates a hyper-specific explanation. For example: 'This lender funded 3 residential conversions in SW11 in the last 12 months, all between £2–4M. Your 12-unit scheme at £3.2M is squarely in their sweet spot.' No generic language — every insight references real data.

Everyone earns tiers based on platform behaviour — both lenders AND borrowers. Tiers progress: Panel → Proven → Preferred → Elite → Market Leader. Lender tiers are based on response speed, completions, and reviews. Borrower tiers are based on deal quality, completion rate, and lender feedback. Higher tiers earn better marketplace visibility. Earned by behaviour, not paid.

Yes. Borrowers earn marketplace tiers (Panel to Market Leader) based on deal quality (risk grades), completion rate (% of deals that reach drawdown), lender review ratings, and intake speed. Lenders see your tier when reviewing your deal — a strong borrower reputation attracts more lender interest and faster responses.

Yes. When you respond to a deal, the borrower sees your response speed, verified completions, similar deals, rejection rate, and marketplace tier. This gives borrowers confidence and incentivises fast, reliable responses.

After a deal is funded, both borrower and lender can leave verified reviews rating communication, speed, transparency, and reliability (each 1–5 stars). Reviews are tied to completed deals so they can't be faked. Your average rating and latest review are shown on your marketplace profile.

Respond quickly to matched deals (aim for under 4 hours). Complete deals through the platform so they're verified. Provide detailed notes when you respond. Maintain a reasonable shortlist rate. Over time, consistent good behaviour earns higher tiers automatically.

Yes. Your lender dashboard shows your current tier and score, matched deals, responded deals, shortlist and decline rates, average response time, won deals, drawn volume, average completion time, verified review rating, and recent marketplace activity. All updated in real time.

Yes. Everything borrowers see about you is also visible on your own dashboard — response speed, verified completions, similar deals, rejection rate, tier, and reviews. You can track how your behaviour affects your marketplace position.

The Deal Velocity Engine is Assesr's automated lender follow-up and accountability system. It replaces the manual chasing a broker does with algorithmic enforcement — SLA deadlines, escalating email sequences, velocity scoring, competitive pressure, and an escalation ladder that ensures every matched lender prioritises your deal or loses access to the platform.

Matched lenders have a 4-hour SLA to respond to your deal with an initial action (shortlist, request info, or decline). At 2 hours (50% elapsed), they receive a reminder. At 3 hours 12 minutes (80%), they're told how many competitors have already responded. If they don't respond by the deadline, the lead is reassigned to faster lenders and their velocity score is penalised.

Every lender on Assesr earns a velocity score from 0 to 100, based on: response time (40% weight), deal completion rate (30%), borrower satisfaction from verified reviews (20%), and document turnaround speed (10%). This score directly affects how many leads they receive — high-velocity lenders get more and better deals.

Lenders with velocity scores above 85 get a +5 boost to their match score, meaning they appear higher in your marketplace rankings and may get exclusive early access to deals. Lenders below 50 get penalised. Lenders on probation lose 30% of their match score. Suspended lenders are excluded from matching entirely — they receive zero new deals.

The escalation ladder is automatic: 1) Coaching email with tips and data. 2) 50% lead reduction for 2 weeks. 3) Formal warning — account at risk. 4) Probation — 'Slow to respond' badge visible to borrowers, further lead reduction. 5) Suspension — profile paused, reactivation process required. 6) Removal — permanently delisted. Each level has clear score thresholds.

Yes. Every lender receives a weekly scorecard email showing their velocity score, platform rank (e.g. '#3 of 12'), response rate, average response time, SLA compliance percentage, leads lost to slower response, current streak, and how they compare to top performers. Transparency drives competition.

Yes. Lenders who consistently fail to respond — velocity score below 20 with 10+ leads lost to non-response despite previous warnings — will have their profile permanently removed. The marketplace only works if lenders treat borrower deals as a priority. This is clearly communicated from onboarding.

A broker manually chases 2–3 lenders with phone calls and emails over weeks. Assesr simultaneously tracks every matched lender (8+), sends escalating follow-ups calibrated by data (not gut feel), reassigns leads in real-time, and uses competitive pressure that no phone call can replicate — like telling a lender that 3 competitors have already responded with terms.

When a lender is approaching their SLA deadline, they're told exactly how many other lenders have already responded. For example: '2 lenders have already submitted terms for Riverside Court. You have 48 minutes remaining before this lead is reassigned.' Loss aversion is the most powerful motivator — they move because they see deals going elsewhere.

No — it rewards them. Fast-responding lenders earn higher velocity scores, which means more leads, better matching priority, and exclusive early access to high-value deals. Top performers (velocity 85+) receive up to 3× more leads than average. The system penalises the slow and rewards the responsive.

Sign up from the login page. During onboarding, you'll select your role — borrower or lender. One account supports both roles simultaneously.

Yes. A single login can hold borrower and lender roles simultaneously. Switch between them from your dashboard. Useful if you're both a developer and a lender, for example.

Yes. All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption. Documents are stored securely with signed, time-limited URLs and are only accessible to you and lenders matched to your deal. Our infrastructure is hosted on SOC 2 Type II certified providers (Supabase, Cloudflare). See our full Security page for comprehensive detail.

Multiple layers of defence: Cloudflare's enterprise Web Application Firewall (WAF) and DDoS protection at the edge, strict Content Security Policy (CSP) headers that block cross-site scripting and code injection, rate limiting on all public endpoints, input validation on every API request, and parameterised database queries that eliminate SQL injection. All secret comparisons use timing-safe functions to prevent side-channel attacks.

Assesr uses passwordless authentication — magic links and Google OAuth 2.0. No passwords are ever stored, which eliminates the risk of password database breaches entirely. Every authenticated request is validated server-side using cryptographically signed JSON Web Tokens (JWT). Sensitive actions require re-authentication within a 30-minute window.

Row-Level Security (RLS) is a PostgreSQL feature that enforces data access rules at the database level — not just in the application code. Every table in Assesr has RLS policies that ensure users can only access rows they own or are explicitly authorised to see. Even if a bug existed in the application layer, the database itself would still block unauthorised access. A lender cannot see another lender's pipeline. A borrower cannot see other borrowers' deals.

Only you and lenders who are matched to your deal. Documents are stored with signed, time-limited URLs that expire automatically — there are no permanent public links to your files. Lenders excluded by mandate criteria never see your deal or documents. Every document access request is verified against the document owner server-side. Even within the platform, access is controlled per user and audited.

Yes. Every uploaded file goes through multi-layer validation: file extension check, MIME type verification, AND binary signature (magic byte) analysis to confirm the file content matches what it claims to be. A malicious file disguised as a PDF would be rejected because its binary signature doesn't match the PDF specification. File size limits are enforced both client-side and server-side.

All data in transit is encrypted using TLS 1.3 — the latest and most secure transport protocol. HSTS (HTTP Strict Transport Security) is enforced with preload, meaning your browser will never connect to Assesr over an unencrypted connection, even if you type http://. All data at rest — database records and stored documents — is encrypted using AES-256, the same standard used by banks and government agencies. All third-party API communications also use HTTPS exclusively.

Administrative access is strictly controlled. Server functions operate on the principle of least privilege — they only access the specific data they need for the task at hand. General application code cannot bypass Row-Level Security. Administrative database access is isolated to specific server functions that require elevated privileges, and all significant actions are audit-logged.

All payment processing is handled by Stripe — a PCI DSS Level 1 certified payment processor (the highest level of payment security certification). Assesr never stores, processes, or transmits card details. Credit card numbers, CVVs, and payment credentials never touch our servers. Every Stripe webhook is cryptographically verified using signature validation before any payment state is updated, ensuring forged payment confirmations are rejected.

When borrowers and lenders communicate through the platform, contact details are automatically detected and redacted. Email addresses, phone numbers, social media handles, and URLs are removed from every message — including creative workarounds like spelling out numbers or using 'at' instead of '@'. This prevents information leakage outside the platform and ensures the marketplace model works fairly.

Only what's needed to operate the marketplace: your email address (for authentication), company details (for credit papers), and deal information (for lender matching). We follow GDPR data minimisation principles — we don't collect data we don't need. Personal identifying information from completed deals is automatically purged after the retention period.

Yes. Our practices align with GDPR requirements: data minimisation (only collecting what's necessary), right to erasure (self-service account deletion with 30-day grace period, plus automatic PII purge after retention), encryption at rest and in transit, clear privacy policy, and data processing transparency. Users can delete their own account from Settings at any time. Our infrastructure providers (Supabase, Cloudflare, Stripe) all maintain SOC 2 Type II certification.

Strict-Transport-Security (HSTS) with 1-year max-age, includeSubDomains, and preload status. X-Content-Type-Options: nosniff to prevent MIME-type sniffing. X-Frame-Options: DENY to block clickjacking. Referrer-Policy: strict-origin-when-cross-origin to prevent data leakage. Permissions-Policy to explicitly disable camera, microphone, and geolocation access. Content Security Policy (CSP) to restrict script sources and prevent XSS.

Yes. We actively protect against all OWASP Top 10 web application security risks: injection (parameterised queries), broken authentication (passwordless + JWT), sensitive data exposure (encryption everywhere), broken access control (RLS + RBAC), security misconfiguration (strict headers), cross-site scripting (CSP + output escaping), insecure deserialisation (schema validation), insufficient logging (audit trail), and server-side request forgery (SSRF protection with IP validation).

Cloudflare Workers for application hosting (global edge network with built-in WAF and DDoS protection), Supabase for database and file storage (PostgreSQL, SOC 2 Type II certified, AES-256 encryption), and Stripe for payment processing (PCI DSS Level 1 certified). All providers maintain enterprise-grade security certifications.

Our codebase is written entirely in TypeScript with strict type checking, catching entire categories of bugs at compile time. Third-party dependencies are regularly audited for known vulnerabilities. All code changes undergo review before deployment. If you discover a potential security issue, please report it to jeremy.church@icloud.com — we take every report seriously.

Yes — go to Settings and click 'Delete my account'. Your data enters a 30-day protected bin. During this window you can sign back in and restore everything with one click — no support ticket needed. This 30-day period is a deliberate security feature: it protects you from impulsive decisions, accidental clicks, and account takeover attacks. Even if someone gains access to your account, they cannot permanently destroy your data. After 30 days, everything is automatically and permanently purged. If you need faster removal for compliance reasons (e.g. GDPR), contact us and an admin can hard-delete immediately via a Google re-authentication gate that only a real human can complete.

Visit assesr.com/security for our comprehensive Security & Data Protection page, which covers infrastructure, authentication, encryption, file security, application security, payment security, third-party integrations, monitoring, development practices, and compliance alignment — with expandable technical detail for each section.

Draft (still editing the intake) → Ready (intake complete, credit paper generated) → Submitted (live on the lender marketplace) → In due diligence (lender engaged) → Approved (credit committee approved) → Drawn (loan funded). You can track your deal's progress on the dashboard at every stage.

Yes. Your intake stays editable at any stage. Update sections, upload new documents, and regenerate the credit paper. Lenders always see the latest version — the paper updates automatically.

Your deal dashboard shows anonymous counts of lender activity: how many were matched, how many are reviewing, how many have shortlisted, requested info, or declined. You see the aggregate numbers but never individual lender identities.

Update your intake or upload additional documents to address their questions. Regenerate the credit paper and the lender will see the strengthened version. The credit paper's committee questions section often anticipates what lenders will ask.

Review the risk grade and committee questions in your credit paper — they highlight exactly what needs improving. Update your intake, address the flagged risks, regenerate, and resubmit. Many deals succeed on the second pass after targeted improvements.

Yes. You can withdraw a deal at any time from your dashboard. Lenders will no longer be able to view the credit paper.

Yes. Your borrower dashboard shows total deals, deals by stage, drawn volume, average matched lenders, average lender responses, average first response time, average submission-to-drawdown time, and recent deal momentum. All updated in real time.

Yes. After a deal is funded, both sides leave verified reviews before continuing marketplace activity. This keeps the review system trustworthy — every review is tied to a real completed deal. You rate communication, speed, transparency, and reliability.

You can submit at any planning stage — pre-application, submitted, granted, or even appeal. However, deals with full planning consent are significantly stronger and attract more lender interest. The credit paper will clearly state the planning position and flag any risks.

Conditions attached to planning permission that must be discharged before construction can start — for example, a construction management plan, contamination survey, materials approval, or CIL payment. Lenders check these carefully because you can't draw down until they're cleared.

Yes. Upload your planning permission document and Assesr will parse it, identify all conditions, and separate them into pre-commencement and post-commencement categories. CIL, MCIL, S106, and council legal fees are calculated and timed against the build programme.

CIL (Community Infrastructure Levy) and S106 obligations are calculated from the planning documents and included in the project cost analysis. They're timed against the build programme so lenders can see when these payments fall due and how they affect cash flow.

You can still submit. The credit paper will flag the planning status as a risk factor, which will affect the risk grade. Some lenders will consider pre-planning deals, especially from experienced developers with a strong track record. The paper clearly states the position so there are no surprises.

Development finance is specialist lending for property development projects — construction, conversion, or refurbishment. Unlike a standard mortgage, funds are drawn down in stages as the build progresses, and the loan is repaid when units are sold or refinanced.

A Special Purpose Vehicle — a separate company set up specifically for one development project. It ring-fences the project's assets and liabilities from the sponsor's other businesses, protecting both the developer and the lender.

Gross Development Value — the total value of the completed development once all units are sold or let. It's the single most important number in a development finance deal because everything else (leverage, profit, risk) is measured against it.

Key leverage ratios lenders use. LTV = Loan-to-Value (loan as % of current value). LTC = Loan-to-Cost (loan as % of total development cost). LTGDV = Loan-to-Gross-Development-Value (loan as % of finished value). Lower ratios = less risk for the lender = better terms for you.

Senior development finance is the main construction loan — first in line to be repaid, lowest cost, typically up to 60–65% LTGDV. Stretch senior borrows more (up to 70–75% LTGDV), needs less equity, costs slightly more. Mezzanine sits behind senior debt, fills the gap at higher cost, used when the borrower can't cover the full equity requirement.

Short-term finance to bridge a gap — for example, buying a site before the main development facility is in place, or refinancing after construction to give more time for sales. Usually 6–18 months.

A Quantity Surveyor report — an independent professional assessment of build costs. The QS verifies the contractor's pricing, checks it against market rates, and during the build, signs off monthly drawdown requests. Most lenders require one.

A formal property valuation carried out by a surveyor registered with the Royal Institution of Chartered Surveyors, following Red Book standards. It gives lenders an independent, standardised assessment of both current value and GDV. Required by most lenders.

Planning obligations to the local council. S106 is a legal agreement — often requiring affordable housing, public space, or infrastructure contributions. CIL (Community Infrastructure Levy) is a fixed per-square-metre charge for new development. Both affect your project costs and timeline.

A commitment where the sponsor personally backs the loan. If the project fails and the sale of the property doesn't cover the debt, the lender can pursue the sponsor's personal assets. Most development finance lenders require some form of PG.

The capital stack is how the entire deal is funded — all the layers stacked together. Typically: equity at the bottom (your money), then senior debt, potentially mezzanine on top. The credit paper reconciles these layers to show where every pound comes from.

The developer's profit expressed as a percentage of total development cost. Lenders typically want to see 15–20%+ profit on cost — it provides a buffer if things go wrong. The credit paper calculates this automatically from your intake data.

All modern browsers — Chrome, Firefox, Safari, and Edge. We recommend keeping your browser up to date for the best experience.

Assesr is a web application that works on mobile browsers. There's no native app currently, but the platform is fully responsive and works well on phones and tablets for reviewing deals and tracking progress.

Use the help guide button (bottom-right corner on every page) for contextual guidance and a context-aware AI assistant. The assistant knows your specific deal, your intake progress, your documents, and your role — so it gives personalised answers, not generic ones. For direct support, email deakidj93@gmail.com / jeremy.church@icloud.com — we reply within one working day.

The AI assistant knows everything about Assesr and UK development finance. For borrowers, it tracks your intake progress, tells you what's missing, explains jargon (LTC, GDV, SPV), and suggests what to focus on next. For lenders, it knows your mandate preferences and can explain how a deal fits your criteria. For partners, it tracks your referrals, commission, and tier status. It's available 24/7 — no waiting for callbacks or office hours.

Yes. The assistant has full context on your deals — scheme name, status, which intake steps are complete or missing, documents uploaded, credit paper version and risk grade, lender responses, and pending info requests. It references your actual data when answering questions, so you get specific guidance like 'your site section is missing land tenure' rather than generic advice.

Yes. The assistant is available on every page, at any time — evenings, weekends, bank holidays. Unlike a traditional broker who's only available during office hours, the AI assistant gives you instant, context-aware answers whenever you need them. Click the help button in the bottom-right corner of any page.

Email deakidj93@gmail.com / jeremy.church@icloud.com with a description of what happened, what you expected, and any screenshots. We take every report seriously and typically fix issues within 24 hours.

Lenders can receive deal data via webhooks for integration with existing systems. Credit papers are viewable on-platform in a structured format designed for easy reading and comparison.

Your data remains accessible while your account is active. If you request account deletion, all data is removed. Documents associated with completed deals are automatically deleted 6 months after loan completion.

The partner programme lets anyone earn commission by referring borrowers and developers to Assesr. Referred users get 50% off their first deal (0.25% instead of the standard Assesr fee of 0.5%), and you receive 0.1% of the loan amount (or more, depending on your tier) when that deal draws down. You get a branded referral page, one-tap sharing tools, and automatic Stripe payouts.

Anyone. Accountants, solicitors, financial advisors, surveyors, architects, estate agents, mortgage brokers, property consultants, or anyone who knows people building property. No licence or qualification is required. Apply via the partner page.

You get a unique referral link. When someone clicks it, a 30-day attribution cookie is set. If they sign up and submit a deal within that window, the deal is automatically attributed to you. We use a first-touch model — the first partner to refer a user gets the credit.

At Bronze tier, you earn 0.1% of the loan amount on the first deal each referred user draws down. A £2M deal earns you £2,000. Higher tiers unlock higher rates: Silver (0.12%), Gold (0.15%), and Platinum (0.18%). Commission applies to each referred user's first deal only — after that, they know the platform and come back on their own.

You're paid automatically via Stripe Connect when a referred deal draws down. Assesr collects its Assesr fee (0.5%) from the borrower, and your share is transferred to your connected Stripe account. No invoicing required — it's fully automated.

Once someone clicks your referral link, you have 30 days for them to sign up and create a deal for the referral to count. This keeps attribution fair and incentivises active referrals rather than passive link-sharing.

Yes. The partner role is additive — it doesn't replace any existing role. You can be a borrower submitting your own deals AND a partner earning commission on deals you refer to others. Self-referral is not permitted.

You start at Bronze (0.1%). Your tier is based on how many referred deals have drawn down in the last 90 days — not lifetime totals. Silver needs 3+, Gold needs 8+, Platinum needs 15+ drawn deals in a rolling 90-day window. Stay active and your rate stays high. Tiers update automatically.