Underwrite real estate credit in minutes.
Smart Bricks gives lenders AI agents to analyse borrowers and collateral, build credit underwriting, run downside scenarios and continuously monitor risk across every loan.
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One intelligence layer. Different decisions.
The agents and outputs change depending on the customer.
Knows your firm.
- Memory
- Every number sourced. Every decision remembered.
Knows the asset.
Knows the market.
- Proprietary data
- 70%
- Countries
- 207
- Sources
- 10,000+
- 01origination
- 02credit underwriting
- 03monitoring
- 04covenant risk
Configured to your organisation.
Explore IntelligenceCollateral, analysed.
Value any property against live market data, not stale comps.
Valuation Team. The desk that puts a defensible number on every property.
- Residential, commercial, and land assets
- Single properties and portfolios
- Cross-region and cross-country assets
- Median absolute error
- 4.5%
- Hit rate
- 94%
Source note 1, 4.5% median error, 94% hit rate
- Markets
- New York, London and Dubai
- Method
- Median absolute error of the model’s valuations against confirmed transaction prices, not list prices. Hit rate is the share of valuations that fall inside the model’s confidence band
- Source
- Smart Bricks model validation. Company-reported
Credit decisions priced on verified collateral.
Back approvals with numbers that stand up to credit committee.
Credit memo · Bellrose Court · Hackney, London E8 · Multifamily (BTR)
Illustrative example- Purchase price
- £48.5M
- Loan to value
- 60%
- Margin over SONIA
- 215bps
- Debt service cover (DSCR)
- 1.42x
Debt is sized to a 60% loan-to-value (LTV) facility at SONIA, the sterling overnight rate, + 215bps.
Credit Officer. The desk that decides which loans get written and on what terms.
Downside and stress scenarios, run before you lend.
Analyses loan-to-value and exposure, and models market, price, downside and stress scenarios.
Illustrative example Bellrose Court · Hackney, London E8 · Multifamily (BTR)
- Market and priceValue and income as underwritten
- Loan to value 60.0%
- DSCR 1.42x
- DownsideValue and income 10% lower
- Loan to value 66.7%
- DSCR 1.28x
- StressValue and income 20% lower
- Loan to value 75.0%
- DSCR 1.14x
Debt is sized to a 60% loan-to-value (LTV) facility at SONIA, the sterling overnight rate, + 215bps.
Risk monitored across every loan.
Spot value drift and concentration risk before it hits provisions.
How monitoring worksRisk Manager. The team that watches the loan book after the money goes out.
Aggregates collateral values, shows geographic and asset-type concentration, and tests scenario impact on the portfolio.
Value your next collateral with Smart Bricks.