Find Out What Could Kill Your $1M–$25M Commercial Loan | PAIUL™
Get Your Funding Score™
PAIUL™ · Predictive Funding Intelligence™

Find out what could kill your $1M–$25M commercial loan — before you apply.

Will your deal actually get funded? PAIUL reads your deal the way a lender’s underwriter will — sponsor, asset, market, structure and context — and shows you the deal-killers, the fixes, and your Funding Score™ before you spend weeks in an application.

Get Your Funding Score™ → How PAIUL Works
Free • 3 Minutes • No Credit Pull
The questions that keep borrowers up at night

A lender will answer these in weeks. PAIUL answers them in minutes.

Will anyone actually finance this deal?
What is wrong with my deal?
Why did the last lender decline me?
What do I need to fix before applying?
Which lender should I even approach?
Am I wasting my time sending this out?
BEFORE YOU APPLY FOR THE LOAN, KNOW HOW THE DEAL WILL BE UNDERWRITTEN.

PAIUL identifies the factors that can help, hurt, or kill your financing — then tells you what to do about them. That is the difference between submitting and hoping, and submitting with the answers already in hand.

Your free QuickScan result
742 / 1000
Funding Readiness: High
What’s working
✓ Sponsor profile   ✓ DSCR   ✓ Property fundamentals
Potential deal-killers
▲ Liquidity   ▲ Exit strategy   ▲ Stabilization
What to fix — in your full report
🔒 Right-size the loan request   🔒 Document reserves

Your deal, read like an underwriter reads it.

  • Your PAIUL Funding Score™ (1–1,000) — the standardized read across sponsor, asset, market, structure and context.
  • Your top deal-killers, named. The exact factors most likely to stall or sink the financing — before a lender finds them.
  • The fix path. See what to change, and test it live in the Funding Decision Simulator™.
Free • 3 Minutes • No Credit Pull
More than a score

Predict → Diagnose → Improve → Position → Package → Connect

01
Predict
How fundable is this deal?
02
Diagnose
Why — exactly?
03
Improve
What can be changed?
04
Position
Which capital should see it?
05
Package
How should it be presented?
06
Connect
Who should receive it?

See exactly how PAIUL works →

Don’t take our word for it

See PAIUL analyze real-world deal types.

Ten illustrative deals, scored live by the same engine as your QuickScan. Open one and move the levers — loan, NOI, occupancy — to see what changes the score.

1–4 unit · cash-out
Duplex cash-out, DSCR below 1.00
Still fundable on DSCR programs — at the right LTV.
Commercial · refinance
Retail center at 1.14x coverage
“Almost there” reads as ineligible. See the 5% fix.
Multifamily · bridge
36-unit value-add bridge
Why the business plan, not today’s DSCR, carries it.
Commercial · cash-out
Mixed-use: numbers don’t reconcile
When NOI can’t support the DSCR, lenders notice first.

See all 10 sample analyses →

Grounded in real data

Built on 1,873 real lender decisions.

PAIUL has analyzed 1,873 transactions totaling over $756 million across 45 states — and the finding was blunt: approved and denied deals looked nearly identical on credit and leverage. Deals die on the factors nobody screens for:

1,873
Transactions analyzed
$756M+
In loan volume
45
States
300
Data points
Property conditionSeasoningListing statusCredit historyDocumentation
After your free score

$199 PAIUL Deal Readiness Report™

Find out what’s standing between your deal and funding before you submit it — the full 1–1,000 analysis, the deal-killers ranked by severity, the lender’s likely questions, the committee read, and your modeled fix path.

Start With the Free Scan →

Know your deal before capital does.

Get Your Funding Score™ →
Free • 3 Minutes • No Credit Pull

PAIUL™ (Proprietary AI Underwriting Language) is a Predictive Funding Intelligence™ platform for commercial and investment real estate — the intelligence layer that evaluates, improves, and routes financing opportunities before lender underwriting.

How PAIUL Works · 300 Variable Dictionary · Capital Partners
PAIUL is not a lender and does not guarantee funding, terms, or approval. Scores are analytical assessments of funding readiness.
© 2026 Up to 100 Million Corp. · By Jeff LaVigne · All rights reserved.