For developers, property investors, brokers, corporate advisory, asset managers, land agents and accountants

Developer

Run the land use screen on a site to see which use the evidence supports best, then build the development appraisal and cashflow, check it against lender tests, and research who funds schemes like yours.

Landowner or farmer

Put the advice you are being given to the test. Run the same land use screen an agent or developer would, see which uses score best for your land and what evidence is missing, and print the report to take into the conversation.

Land agent

Screen each parcel you act on and print a professional report per site to pitch to developers or to your landowner client. Add a land flip appraisal where a site could be sold with power or planning. You can even use the portfolio tool to build an entire land bank to pitch to your larger developer clients.

Planning consultant

Use the land use screen as a desktop first look at a site. It lists the plausible uses, the evidence for each and the data gaps, so the first conversation with a client is about the real constraints.

Property investor

O can handle a major mixed use scheme if you need it, but it is also built for small deals: simple acquisition bridging, quick flips, heavy refurbishments and conversion finance such as HMO or PDR conversions. It is easy to play with. Test the rent, the yield you need, the purchase price or the post refurbishment sale price until the deal works, and see the credit view a lender would take.

Funders: specialist bridging and development lenders, real estate funds and commercial lenders

O can increase your deal flow, save you time in diligence, or become your inbound underwriting engine on a solus white label basis. A lean family office with few staff needs strong deal flow to cherry pick the right deals, but that is a considerable investment of time. Used as your branded underwriting portal, O can be configured to mirror your own credit or investment paper, draft the report for you, and handle the work of requesting further information or politely declining while keeping the door open. Zero success fees, just a monthly engine access payment. See the funders page for the full picture.

Bridging and refurbishment

The day one advance is drawn at completion. A works facility is drawn in equal monthly instalments, and interest is charged monthly on the drawn balance, whether it is serviced, retained or rolled. O reports net proceeds at exit and the profit after every cost, including SDLT, legal costs, interest, fees and monitoring. HMO and PDR conversions bring their own works questions.

Development

Choose houses, flats, student, build to rent, industrial, office or mixed use, and O starts from the typical UK range for that type, shown as guidance. Income schemes are valued on a typed capital value with the rent roll fully let, which is how a lender reads an income valuation. Build to rent applies occupancy before operating costs. Land without planning is advanced at a lower share of value.

Standing investment and refinance

Test the rent, the yield you need, the purchase price or the post refurbishment sale price, and see the cover a lender would apply. UK and US versions are included.

Blank starts

Nothing is hidden in the numbers. Land, SDLT and build cost begin empty, so you cannot send a lender a figure you did not put there yourself. Costs you have already paid can be counted as equity.