Fernandes & Company provides independent borrower credit underwriting for CRE lenders and loan brokers: third-party reports assessing borrower strength and risk, delivered per file in 24–48 hours. Your committee gets the independent read it wants on every file — without hiring, training, or carrying an underwriter between deals.
Borrower strength and risk, assessed independently: PFS and SREO analysis, liquidity and net worth verification, track record, contingent liabilities, global cash flow, and the red flags that threaten repayment — packaged in a consistent format your committee learns to read fast.
PFS, SREO, liquidity, net worth, contingent liabilities, and global cash flow — tied out and verified, not just restated.
The borrower's history evaluated by someone who has been the borrower — 250+ transactions closed as a principal. We know where files hide problems.
On F&Co letterhead as independent third-party work, or white-labeled on yours. Consistent structure, every file.
An in-house underwriter carries salary, benefits, and a hiring cycle — and sits idle when volume dips. Per-file credit underwriting substitutes per deal: you pay when a file comes in, volume spikes are covered, and slow months cost nothing. Flat fee per file, volume pricing for recurring flow.
Loan brokers use the same product in reverse: an independent credit read that strengthens the borrower package before it reaches the lender — surfacing and fixing the flags that would otherwise kill the file in committee.
Borrower strength and risk: PFS and SREO analysis, liquidity and net worth verification, track record, contingent liabilities, global cash flow, and the red flags that threaten repayment — in a consistent, committee-ready format.
24–48 hours for most files once the borrower package is received. Volume arrangements keep recurring file flow on the same clock.
Yes — a third-party work product delivered on Fernandes & Company letterhead, or white-labeled on yours. Either way the analysis is independent of origination pressure.
Per-file engagement means you pay only when a file comes in — volume spikes covered, slow months cost nothing, no hiring or training cycle. Flat fee per file with volume pricing.
Ask for a redacted sample credit memo — you'll know in five minutes whether the depth matches your committee's standard.
Schedule a ConsultationNo commitment. No pressure. Just a straight conversation.