The risk every lender is underwriting blind.
Most of the rented commercial stock in England and Wales has to reach a higher energy standard by April 2027. Any facility maturing after that date already carries the risk that the borrower cannot stay in the building. Almost no lender can measure it at the point of decision.
Retail unit · Leasehold
Four risks hiding in every facility.
The borrower loses the premises mid-term
If the landlord does not bring the unit up to standard, it cannot be re-let at lease event.
What changes: you see the gap before you commit and can condition the facility on landlord evidence.
The rent rises to fund the upgrade
Where a landlord does act, the cost commonly passes through in the rent.
What changes: buildings likely to need work are visible, so you can stress the rent line rather than assume it holds.
Energy costs erode serviceability
An inefficient building costs materially more to run than a comparable one in the same trade.
What changes: you can see whether this borrower carries an above-average cost base for their sector.
The portfolio ages into a breach
Facilities written today mature after the deadline and nothing in the book identifies which accounts are exposed.
What changes: a structured, dated record exists on every file from day one.
Three steps. Seconds to a decision.
Enter the trading address
Your underwriter types the borrower's trading address or postcode. If the facility maturity date is added, the assessment sharpens where a deadline lands inside the term. Nothing is requested from the borrower and nothing is disclosed to them.
The building is assessed
Lendora IQ reads the public record for that unit, identifies what the business trades as, and weighs the position against comparable premises and the compliance timetable. Runs in seconds, no queue, no analyst, no manual research.
A scored assessment lands
A score out of 100, a risk band, and a short written assessment in underwriting language, with a reference and timestamp so it can go straight into the credit file.
What you receive.
Every assessment returns a structured output ready for the credit file.
A single score out of 100
A risk band
A written assessment in underwriting language
The contributing factors, described qualitatively
A reference and timestamp
Nothing to install. Nothing to wait for.
No consent to obtain
The assessment draws on records that are already public. No permission to request, no consent form.
No meter or supplier data
Nothing depends on smart meter access or an energy supplier feed. Deliberate design, not a limitation.
No integration project
Works through the browser from week one. System integration available but nothing waits on it.
Cost that does not scale with headcount
A thousand addresses costs a thousand assessments, not a thousand analyst hours.
Three roles. One tool.
Before the facility is approved
Run the address alongside the financials. Condition the facility on landlord evidence rather than declining a good borrower or advancing on an unpriced risk.
Before the application is submitted
Check the premises at pre-qualification.
Reviewing the existing book
Spot-check accounts where facility maturity runs past a deadline.
The deadline is law. The risk is real now.
Built to earn trust.
Nothing borrowed, nothing gated
Rests on records that are already open. No commercial data licences, no consent barriers, no supplier dependency.
A methodology, not a lookup
Developed by people who have written credit policy. Proprietary and refined against real cases.
Made to run at book scale
Designed to be called against a whole portfolio, not a handful of files.
Plans for every stage of the book.
From a single lending case to a full portfolio integration. Broker checks, API usage, and advisory services are also available separately.
For brokers, small lenders and teams assessing individual lending cases.
See full detailsFor specialist and growing lenders managing multiple lending cases and beginning to operationalise portfolio intelligence.
See full detailsFor institutional lenders requiring advanced portfolio intelligence, scenario analysis and enterprise integration.
See full detailsQuestions credit teams actually ask.
No. The assessment draws entirely on records that are already in the public domain. There is no consent step, no supplier integration, and nothing to request from the borrower.
A rating on its own does not tell you whether the certificate is current, how the building's running costs compare to comparable premises, or whether a compliance deadline falls inside the specific loan term you are underwriting. The Lendora IQ assessment weighs all of these together.
Yes. Lendora IQ is designed to be called from an existing origination or portfolio-monitoring platform, rather than requiring a new interface your underwriters need to learn. It also works through the browser from day one.
No. The Lease Energy Risk Assessment is a credit risk indicator generated from public records using a proprietary methodology. It is not a formal valuation, a property survey, or a compliance guarantee, and should be used alongside existing due diligence.
Lendora IQ is currently in private pilot with a limited number of UK lenders, CDFIs, and brokers. Request early access and our team will follow up to scope a pilot for your book.
Find out what your book is already carrying.
Lendora IQ is in private pilot with a small number of UK alternative lenders, CDFIs, and commercial finance brokers.