Costs
Free for approved lenders.
Always.
There is no subscription, no usage cap, and no hidden cost. But before you assume that means the platform is basic — consider what lender intelligence actually costs to build yourself.
Apply for Access →What you would spend to replicate this yourself
Running a live loan book without institutional-grade data infrastructure is expensive — or it means flying blind. These are the tools and people a specialist lender typically needs to do this properly.
Experian Commercial Data
Credit checks on every borrower SPV, guarantor, and tenant on your book. Company financials, director profiles, CCJ history, adverse data, and credit score monitoring over time. Most lenders run checks at origination, then again quarterly or on trigger events. A book of 50 loans with 3 entities each is 150+ checks a year before you count new enquiries. Per-check pricing on Experian Business Express starts around £5 to £15 per report depending on depth, but enterprise contracts with ongoing monitoring push this to a fixed monthly commitment.
£9,600 – £30,000 per year. Grows with every new loan on your book.
CoStar / EG Propertylink
UK commercial property valuations, comparable transactions, market rents, yield data, and tenant covenant strength. Essential for underwriting and ongoing LTV monitoring. Without it, your valuations rely on surveyor snapshots that go stale within months. Full CoStar access for a lending team requires an enterprise licence. EG Propertylink is cheaper but less comprehensive. Most lenders need at least one of these to price competitively.
Single-seat licences start lower, but a team of 3-4 needing access pushes into enterprise pricing.
Portfolio Monitoring Staff
A dedicated analyst or associate to track payment receipts, flag covenant breaches, chase insurance renewals, monitor Companies House filings, build borrower reports for credit committee, and respond to ad-hoc queries from senior management. One person can realistically manage 40 to 60 loans before the quality of monitoring drops. Salary, employer NI at 13.8%, pension contributions, holiday cover, sick pay, and office overhead. When they leave, you lose institutional knowledge and spend months recruiting and training a replacement.
True cost including employer NI, pension (5%), and overhead is 30-40% above base salary.
Second Underwriter
Most specialist lenders with a book above 30 loans need two people covering underwriting, screening, and ongoing due diligence. One handles new deal flow while the other monitors the existing book. The platform automates borrower screening, credit checks, Companies House monitoring, Gazette alerts, payment tracking, and insurance expiry management. That is enough to let a two-person team operate as one. Base salary, employer NI, 28 days holiday, pension, and training costs. The system does not take breaks, does not call in sick, and monitors 24 hours a day, 7 days a week, 365 days a year.
True all-in cost of a junior underwriter or credit analyst including employer NI and benefits.
Insurance Monitoring & Broker Reviews
Tracking insurance expiry dates across a loan book is a manual, time-consuming process that nobody enjoys. Developers and investors never prioritise insurance. Policies lapse without warning. Staff spend hours each month chasing borrowers for renewal confirmations. When a new or replacement policy does arrive, most lenders send it to an insurance broker to check it protects the lender, costing £200 to £400 per review. Across a book of 50 loans with annual renewals, that is £10,000 to £20,000 a year in broker fees alone, before you count the staff time spent chasing.
Broker review fees plus 2-3 hours of staff time per policy chasing renewals and filing documents.
Compliance & Reporting Tools
FCA-compliant audit trails for every lending decision. Decline records with documented reasons. Screening logs. AML and sanctions check records. Board reporting packs. Loan administration software like Lenvi, Mambu, or Finastra starts at £500 to £2,000 per month depending on the number of accounts. Add a CRM (Salesforce at £75+/user/month, or HubSpot), document management (SharePoint or Egnyte at £10-25/user/month), and cloud storage. Most lenders also pay for a separate sanctions screening tool (ComplyAdvantage, Dow Jones) at £5,000 to £15,000 per year. Then there is the time your compliance officer spends pulling reports together manually because these systems do not talk to each other.
Multiple subscriptions, per-seat licensing, and the hidden cost of manual data reconciliation between systems.
The Untold Cost: Slow Response Times
When a borrower payment is late, a covenant is breached, or an insurance policy lapses, every day your team takes to notice and respond increases your exposure. A missed payment flagged on day 1 is a phone call. The same payment flagged on day 30 is a credit committee escalation. On day 90 it is a legal instruction. Manual monitoring means your team only catches problems when they happen to look. They are on leave, in meetings, or dealing with another fire. The platform alerts you within hours, not weeks. The cost of a delayed response is not a line item on your P&L, but it is often the most expensive item on this list.
One late-detected default can cost more than every other line item on this page combined.
Estimated annual cost to a specialist lender running this in-house
£135k – £270kper year
Before accounting for setup costs, staff turnover, recruitment, training, or the unquantifiable cost of a delayed response to a default.
Your cost with Loan Intel
£0
The cost of getting it wrong
Data tools are a line item. A bad deal, a missed covenant breach, or a disputed enforcement is an event. These are the scenarios that specialist lenders face without proper portfolio intelligence — and the financial consequences are rarely contained.
Missing a covenant breach
Borrower sells the asset or takes on additional debt before you can act. Recovery becomes contested.
Lending to a connected borrower network
Director cross-exposure across multiple SPVs concentrates your risk invisibly until it crystallises.
Incomplete insurance coverage
A lapsed building policy on a development site can invalidate your security and void your lender interest clause.
No visibility on payment behaviour
Arrears creep up over quarters. By the time you act, enforcement is your only option — and it is expensive.
Benchmarking against stale data
Pricing a loan against six-month-old comparables in a shifting market leads to under-secured positions.
Lending to a previously declined borrower
Without cross-lender decline visibility, you approve a borrower three other lenders already rejected for material reasons you never saw.
Personal guarantee blind spots
A guarantor already exposed across multiple facilities looks clean in isolation. Aggregate PG and CG exposure across the network is invisible without shared intelligence.
The platform does not eliminate risk — it makes it visible.
Automated payment alerts, insurance expiry monitoring, Experian credit monitoring, cross-lender payment signals, 12-point sponsor screening, FCA-compliant decline forms, and real-time covenant flags mean you are not waiting for a borrower to tell you something has gone wrong. The cost of one avoided enforcement action typically exceeds years of what this data infrastructure would cost to run, let alone what it costs on this platform.
Read the full ROI analysis →How the platform is free — and why that is honest
Loan Intel generates revenue through advisory mandates on non-performing commercial property loan portfolios. When lenders on the platform need to exit distressed positions, we package and market those assets to institutional buyers — handling the process from mandate to completion. Buyers conduct their own due diligence. We take a success fee on completion.
The platform costs you nothing because our interests are already aligned. The better we understand your book, the better we serve you when it matters. We are not a software company charging you a seat fee. We are an advisory business that built the infrastructure because the market needed it and nobody else had.
There is no freemium tier. There are no upgrade paywalls. There is no premium version. Approved lenders get full access to everything the platform does — because a half-informed view of a loan book is worse than no view at all.
This only works if you use it
The platform is free — but it is not passive. It works because lenders keep their data current. Late and missed payments need to be logged. Insurance renewals need to be uploaded. Loan details need to be accurate. Tenant data needs to be maintained.
Accounts are reviewed for activity. An account that has not been updated in a reasonable period may be suspended pending confirmation that the lender is still actively using the platform. This is not punitive — it is how we keep the system useful for everyone on it.
If you are not in a position to maintain your data on the platform, this is probably not the right time to join. When you are, we will be here.
No Cost. Full Access.
Apply for access today
Approved specialist lenders get full platform access at no cost. Applications are reviewed manually. We only onboard lenders we can genuinely serve.
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