Our Story
We are Loan Intel
Built to drive transparency, reward integrity, and raise standards across UK commercial real estate finance.
The market has a problem with
bad actors, and no one was fixing it
Borrowers who default on one lender and walk straight to the next. Lenders cutting corners on due diligence. Advisory firms more interested in fees than outcomes. Solicitors rubber-stamping transactions they haven't properly checked. Valuers inflating numbers because nobody verifies them.
The manipulation runs through every layer of UK commercial real estate finance. Not everyone is doing it. But the people who operate with honesty and integrity have no way to prove it, and no way to see who doesn't.
The honest lender loses money to the borrower who defaulted elsewhere. The diligent solicitor competes on price against firms doing half the work. The careful valuer loses instructions to the one who tells clients what they want to hear.
Opacity protects bad behaviour. Transparency rewards good behaviour. That is the entire thesis behind Loan Intel. Make the market visible enough that integrity becomes a competitive advantage, not a cost.
The Origins
Loan Intel was born out of frustration. Working across the UK specialist lending market as an advisor, with lenders, borrowers, solicitors, and investors, the same patterns kept appearing. Bad actors moving freely because nobody connected the dots between them.
A borrower defaults on one lender and walks straight into a facility with another. A valuer inflates a figure and nobody checks. A solicitor signs off on incomplete due diligence because the fee is already agreed. Every participant operates in isolation, and the ones who suffer are the professionals doing things properly.
The vision was simple: build a platform where transparency is the default, not the exception. Where good borrowers are rewarded with better pricing because their track record is visible. Where good lenders attract better deal flow because the market can see they operate with integrity. Where every professional carrying out best practice is recognised for it, and those who don't are exposed by the data, not by gossip.
That conviction, that sunlight is the best disinfectant, is what Loan Intel was built on.
Founded
2023
Headquarters
London, United Kingdom
Market
UK Commercial Real Estate Finance
Users
Lenders, Investment Professionals, Solicitors
The Platform Today
Aggregation changes everything
No single lender can see the full picture alone. Loan Intel acts as the sector's whistleblower, surfacing risk that is invisible to any individual participant. No lender knows who else is on the platform. Every participant is protected. A borrower's track record across the entire market. Payment behaviour no individual lender could see. Risk signals that only appear at the aggregate level.
That is the model. Fully ring-fenced. Fully anonymous. Your data, your identity, and your membership are never visible to anyone else on the platform. The intelligence is generated at the aggregate level only. The more professionals who join, the sharper it becomes for everyone.
The platform doesn't just surface risk. It rewards integrity. Borrowers with clean track records unlock better pricing and faster approvals. Lenders who operate with best practice attract stronger deal flow. Solicitors and valuers who do thorough work build visible reputations. The whole incentive structure shifts: transparency becomes the advantage, and bad actors lose the opacity they depend on.
3 years
Building intelligence for UK CRE finance
150+
Lenders on the network
10,000+
SPVs tracked across the market
£5bn+
Facility exposure monitored
Who We Serve
Three roles. One platform.
Lenders
Cross-lender exposure mapping, borrower screening, payment intelligence, NPL management, and market benchmarking. Built for heads of credit and portfolio managers.
Learn more →Investment
Vendor assessment, operator due diligence, tenant credit scoring, and acquisition intelligence. Verified independently from sales particulars.
Learn more →Solicitors
Automated charge searches, counterparty screening, SPV verification, director conflict checks, and transaction reporting. Structured for the way property lawyers work.
Learn more →Data Foundation
Built on verified data, not opinions
Every insight on the platform traces back to a verifiable source. No surveys, no estimates, no broker hearsay.
Companies House
Charge register, officer data, PSC chains, insolvency filings
Land Registry
Title ownership, price paid data, property-level verification
Experian
Credit scores, financial health, director risk profiles
CoStar / LoopNet
Commercial property intelligence, valuations, comparables
Sanctions Registers
OFSI, UN, EU sanctions screening and PEP checks
Member Data
Anonymised loan performance contributed by every lender on the network
Leadership
Built by people who know the market
Marcus Emadi
Founder & CEO
Self-taught debt advisor who spent four years working across UK specialist lending before building Loan Intel. Saw manipulation at every level: borrowers defaulting and re-applying, lenders cutting corners, advisors chasing fees, valuers inflating numbers, and nobody connecting the dots. Built the platform on a simple conviction: transparency rewards integrity, and the whole sector rises when good practice becomes visible.
Advisory Board
Guided by experience across industries
Caspar Nixon
Strategic Corporate Affairs
12+ years in reputation management, crisis communications, and consumer PR. Advised senior leaders at Google, Coca-Cola, and Facebook. Led Uber communications across EMEA.
Andrew Alsop
Growth & Technology Strategy
Institutional growth strategist with a strong technology focus. Specialises in data-driven experimentation across product analytics, marketing automation, and CRM enablement, helping companies uncover scalable paths to growth. Track record of 3x MRR within 12 months.
Charlotte Coates
Head of Restructuring & NPLs
Leads the Restructuring and Non-Performing Loans practice, advising clients on complex debt restructuring situations and distressed asset strategies.
Farooq Hakim
VP Strategic Accounts, Oracle
30+ years in telecoms and IT. Leadership roles at BT and Microsoft. Specialises in cloud, enterprise architecture (TOGAF), and technology innovation.
What Members Say
“We caught a borrower who was current on our facility and three months in arrears on two others. That borrower had been circulating the market for months. Without the network, that signal was completely invisible to us.”
Head of Credit, UK Specialist Lender
“For the first time, our track record actually counts for something. Good borrowers should be rewarded, not treated the same as the ones who default and move on.”
Managing Director, Property Development SPV
“The due diligence we used to do manually in days now takes minutes. But it is not just speed. It is the things we were missing before that the platform catches automatically.”
Senior Associate, Property Finance Law Firm
How It Works
The principles behind the platform
Transparency rewards integrity
Good borrowers get better pricing. Good lenders get better deal flow. Good solicitors win on reputation, not price. When the market can see who operates properly, doing the right thing becomes a competitive advantage.
Bad actors lose their cover
Opacity protects manipulation. A borrower who defaults on one lender shouldn't be able to walk into another facility unchecked. A valuer who inflates numbers shouldn't go unnoticed. The network makes patterns visible that isolation hides.
Standards rise for everyone
This isn't about catching people out. It's about raising the bar across the entire sector. When best practice is visible and rewarded, it becomes the norm instead of the exception. The more members who join, the higher the standards go.
Ready to join the network?
Access is free for UK commercial real estate finance professionals. We review each application to maintain the quality of the network.