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For lenders & banks

Evaluate proposals
with confidence.

Review developer feasibilities using standardized LTV, LTC, and coverage ratios. Make faster, data-driven lending decisions with consistent risk assessment across your portfolio.

Loan Assessment
50 Unit Residential — Vilnius
LTV
62.5%
LTC
71.3%
DSCR
1.45x
Facility
4.1M €
Standardized metrics across all proposals
Built-in risk assessment & stress testing
3x
Faster credit decisions
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Portfolio-wide visibility

Consistent analysis. Reduced risk. Faster approvals.

Stop relying on developer-provided spreadsheets. Profivo gives you a standardized lens to evaluate every proposal.

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LTV / LTC analysis

Automatic loan-to-value and loan-to-cost calculations based on the developer's own assumptions. Compare against your lending criteria instantly.

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Sensitivity stress-testing

Two-variable heatmaps show how changes in GDV, build costs, or interest rates affect coverage ratios. See exactly where risk lives.

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Standardized reporting

Every proposal generates the same professional PDF format. Compare projects side by side with consistent metrics and presentation.

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Finance structure review

Review senior debt, mezzanine, and equity splits. See drawdown schedules, interest accrual, exit fees, and repayment waterfalls.

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Portfolio monitoring

Track multiple active loans across your portfolio. Monitor key ratios and flag projects that breach covenant thresholds.

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Risk dashboards

Aggregate exposure views with concentration analysis by geography, developer, and asset class. Spot portfolio-level risks early.

From proposal to credit decision

A streamlined workflow for evaluating development finance requests.

1

Receive proposal

Developer submits their appraisal through Profivo or you input it yourself.

2

Review & stress test

Analyze LTV, LTC, DSCR. Run sensitivity on key variables against your criteria.

3

Decide & monitor

Approve with confidence. Track the loan through construction to repayment.

We used to spend days reconciling developer spreadsheets into our own models. Profivo gives us standardized metrics from day one. Our credit committee loves the consistency.

Elena R. — Head of Real Estate Lending, Regional Bank

Standardize your lending analysis today.

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