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In today's complex lending atmosphere, lenders of all kinds must balance prudent decision making in an ever competitive market. With this, the role of environmental due-diligence is not just practical - it is required. The newest government guidelines instruct lenders to take a more "tiered" approach to environmental due-diligence. This has created an emerging need for low-level due-diligence on low risk and even small balance loans. Envaluation Services, Inc. recognized this emerging need in the lending industry and sought to provide the service that lenders require, thus:

Think of the LENDER RISK REPORT as a snap-shot of a property from an environmental risk standpoint. It assigns a Low, Medium or High environmental risk level based on federal, state and local environmental records. These are the same records utilized by consultants in Phase I Environmental Assessments. With the LENDER RISK REPORT, lenders receive exactly what they need: a reliable and cost-effective lending solution to environmental due-dilignece.

WHY would I want a LENDER RISK REPORT?

Because it is the perfect choice to meet the current SBA and FDIC guidelines as an initial screen for environmental risk. Plus, it can provide low-level environmental due-diligence on low-risk commercial loans when a full Phase I is neither practical nor necessary. Furthermore, the LENDER RISK REPORT’s quick turn-around time affords lenders with a cost-effective means to examine any property early in the lending process.

WHO reviews LENDER RISK REPORTS?

Unlike other companies that use algorithms to determine environmental risk, every LENDER RISK REPORT is reviewed by a qualified Environmental Professional (EP) who personally summarizes the report findings in layman’s terms and assigns the appropriate risk level. Our EPs can interpret the nuances of environmental risk that other companies miss! See our PEOPLE page for more information.

WHERE can LENDER RISK REPORTS be run?

Anywhere in the United States.

WHEN will I receive my LENDER RISK REPORT once I order it?

Reports are provided within two full business days. See our PRODUCTS page for more information.

HOW can I order a LENDER RISK REPORT and how much does it cost?

Our products are low-cost and fully insured – see our PRODUCTS page for pricing. No account setup is necessary and orders can be placed through this site (ORDER A REPORT). The LENDER RISK REPORT includes a complete database search report, a brief abstract of the report findings, and the appropriate risk level determination. For an added level of due diligence, Historical Property Usage Abstracts are available for an additional cost. These abstracts summarize the details of historical maps and provide valuable information that is especially useful in urban settings.