For credit teams, originators, and loan brokers: third-party credit reads, deal diligence, and standardized files — on every deal, at deal speed.
Lenders and loan brokers use Fernandes & Company as an independent underwriting and white label bench: borrower credit reads, deal diligence, and standardized files that move through committee faster — without adding headcount.
Give your credit committee the independent borrower read they want to see on every file, so deals move with confidence. An independent third-party credit underwriting report assessing borrower strength and risk.
Find what could break the deal before it reaches committee. An independent diligence report surfacing the risks that threaten the transaction.
Full re-underwriting of the sponsor's numbers — NOI, debt sizing, cash flows, returns, scenarios, and sensitivities — so your file stands on your math, not theirs.
Walk into credit committee with a clear, professional memo that gets the file approved faster. Formatted memos built for a lender's committee — consistent structure, every file.
Get a promising but disorganized borrower packaged into a fundable file instead of a pass. A fully organized borrower-level data room assembled to lender expectations.
An independent third-party valuation that carries weight when the appraisal needs a second read.
Third-party market data supporting demand, comps, and the market case behind the loan basis.
Trailing financials that are clean, comparable, and ready to underwrite — recast and normalized 12 to 36 month operating statements.
A clean, analysis-ready view of income and tenant risk: normalized rent roll with WALT, rollover schedule, and concentration flags.
Borrower personal financial statements and schedules of real estate owned, normalized into consistent, underwriting-ready formats that accelerate credit decisions.
A stack of leases turned into clean, decision-ready data — structured abstracts capturing dates, rent steps, options, recoveries, and key clauses.
Understand exactly how coverage moves when rates, rents, or exit assumptions shift. Stress the file before the market does.
Ongoing borrower financial tracking for relationship lenders — a continuously maintained PFS, live dashboard, and monthly summary memo.
A senior capital-markets operator on call for credit policy, market reads, and special-situation files. One-time or ongoing, structured around your flow.
Our principal has sat on the borrower's side of 250+ closings. We know where files hide problems — because we've built those files. That perspective is what your committee is actually paying for.
"Mark was fast and efficient. He did exactly what I needed and was very knowledgeable. I will definitely hire him again."Client Anonymized by request
Tell us about your file flow. We'll scope a per-file or recurring structure that fits how your shop works.
Schedule a ConsultationNo commitment. No pressure. Just a straight conversation.