A term sheet you can build on.
Oak begins the analysis before putting a number in front of you. That helps reduce surprises, limit unnecessary re-trading, and protect the time already invested in the deal.
LENS™ underwriting infrastructure
A deeper read.
A faster answer.
Built by Oak, LENS™ reads the full deal, pressure-tests the plan, and gets to terms faster. Terms built to hold up through diligence.
Start Your DealTechnology accelerates the work. Experienced underwriters make the decisions.
Why LENS exists
Know the deal before you name the terms.
A quick quote means very little if it changes once the real underwriting begins. LENS helps Oak evaluate the property, sponsor, market, structure, and exit earlier, so the first credit conversation is grounded in the deal you are actually executing.
Less distance between the terms you receive and the loan that closes.
The asset read
The file has to meet the real estate.
LENS helps connect the documents to the asset, the market, the basis, and the path out before terms are put in motion.
The LENS advantage
Built for speed. Built for certainty.
Sized for the deal you actually have.
Expenses, rents, basis, market evidence, and the business plan are evaluated together. The result is a structure designed around the asset, rather than a best-case version of the pro forma.
Complexity without the drag.
LENS brings consistency to deals that do not fit neatly inside a bank's box. It helps Oak evaluate active business plans without adding more layers to every loan.
The way out is tested going in.
Refinance, sale, payoff, and permanent financing are considered from the start. The loan is structured around how the business plan is expected to finish, not simply how it begins.
Disciplined by design
Evidence gathered.
Standards applied.
Judgment retained.
The file comes into focus.
LENS helps gather and organize property, sponsor, market, and transaction information. This gives underwriters a clearer view of what is supported, what is missing, and what requires a closer look.
The same discipline. Every time.
Oak's underwriting standards are applied consistently across sizing, pricing, structure, basis, and exit analysis.
The process scales. The standard does not move.The decision stays with the underwriter.
Experienced underwriters challenge the assumptions, evaluate the risks, and determine what advances. LENS supports their work. It does not replace their judgment.
Built to scale
More production.
Not more layers.
LENS allows Oak to evaluate more opportunities without adding handoffs and process at the same rate. One underwriting record follows the loan from initial review through closing and payoff, creating greater continuity across the life of the deal.
The standard scales. The bureaucracy does not.In production today
Built inside Oak. Used every day.
LENS is Oak's operating infrastructure. It was built around Oak's credit standards and is used throughout its underwriting process and institutional lending relationships.
Bring us the real deal
The plan.
The pressure points.
The path out.
Send us the rent roll, operating history, basis, and business plan. LENS helps Oak get to the questions that matter and to an answer you can act on.
Start Your DealUnderwriting for the deal in progress, not only the deal on paper.