Gator · Private-credit training
The Lender’s Memo
Send us a live deal. We’ll show you the internal memo a private lender would write about it — lien position, coverage, the gap, the three questions every lender asks, and exactly what to fix before you pitch real money.
Eight sections. Zero flattery.
- 01Deal snapshotYour numbers, laid out the way a lender reads them.
- 02The modelEvery assumption stated. Every missing input named.
- 03Lien positionWhere the note sits — and what that means on a bad day.
- 04Debt service & DSCRWhat the money costs to hold, and whether the exit covers it.
- 05The gapThe ask, sized against the deal. Arithmetic shown.
- 06Three lender questionsThe questions every private lender asks, aimed at your file.
- 07Almost a passThe real weaknesses — computed, not manufactured.
- 08The fix listWhat to change, in order of leverage.
How it works
- 1Send your dealA short guided intake: purchase price, rehab budget, ARV, the gap you need, liens, and your exit plan. About two minutes.
- 2The desk runs the numbersDeterministic underwriting math — coverage ratios, carry, DSCR, weakness flags — computed from your inputs against a versioned rule set. Nothing invented.
- 3Read your memoThe internal memo a private lender would write about your deal, on screen and print-ready. Bring it to a real conversation.
Gator lending desk
Talk the deal through with the desk
Email and phone first — then pick up the desk line. Voice first, type if you prefer. Complimentary, then the line caps.
Read this first
Every number in your memo is a training estimate computed from the figures you type in — the math is deterministic and the arithmetic is shown. Nothing here is an offer of credit, a lending decision, or a promise that any lender will fund your deal. It’s general information for education, not financial, legal, or investment advice. Photos and documents you attach stay on your device: they are previewed locally and never uploaded anywhere.