ON-DEMAND WEBINAR · LENS™
A fragmented market is only a problem if you underwrite by hand.
Loans of $2–$20 million are too small for the big platforms and too complex for community banks, so the work stays manual and the market stays fragmented. LENS is how Oak underwrites it at a cost per loan a manual shop can’t match. Spend 30 minutes watching it run on a real deal file, on your schedule.
- In production today. Not a roadmap.
- Built with decades of experience by Oak employees with proprietary algorithms.
- The loans it underwrites are funded by institutional partners.
On demand · 30 minutes · hosted by Jeff Pirhalla, Managing Director, Production & Technology Systems
Fragmentation is a cost problem. LENS turns it into an advantage.
Every small-balance loan arrives as a different pile of paper. Doing that work by hand is why the segment pays a premium and why most lenders won’t touch it. LENS gathers, standardizes and monitors the same data the same way on every loan — sponsor, property, market and stress case — and then experienced underwriters challenge the result.
Lower cost per loan. Consistent, auditable information on every opportunity. Capacity that grows with volume instead of headcount.
The credit committee decides. LENS informs.
Not a prototype. A standard institutions already fund.
- In use today across Oak’s lending business — not a roadmap.
- Oak underwrites to the specification insurance companies need for the assets they hold: CM1 and CM2, the two highest NAIC quality grades for commercial mortgages.
- Oak is funding loans with insurance counterparties and holds loan participations with multiple institutional partners, including FDIC banks.
- Oak’s financial statements are audited by CohnReznick LLP.
Insurance and institutional counterparties are customers of Oak’s lending business, not investors in or endorsers of the Series R Preferred; they have not reviewed this page, and counterparty names are withheld by agreement. The letter of intent is not a definitive agreement and no assurance can be given that one will be signed.
Inside the webinar
30 minutes, one real file.
- 00–03
Why a fragmented market stays expensive — and what that costs every lender in it.
- 03–21
The demonstration — a broker package in, a finished underwriting report out.
- 21–23
What’s live today, and what’s still being built.
- 23–30
Questions and answers from the demonstration.
LIVE WEBINAR · PROPOSED SCHEDULE
Join Jeff for a live LENS walkthrough.
Twice a month, during the first and third weeks of each month, on Wednesday or Thursday at 2:00 PM ET.
Pending Jeff Pirhalla’s approval. The final weekday and registration details will be announced once confirmed.
Important disclosures
This page describes The Oak Companies, Inc. (“Oak”), its commercial real estate lending business, and LENS, Oak’s proprietary underwriting platform. It is general information only — not an offer to sell or a solicitation of an offer to buy any security, and not investment, legal or tax advice. Any investment in Oak’s Regulation A offering may be made only on the basis of the offering circular, which must be delivered prior to making any investment.
Insurance and institutional counterparties described are customers of Oak’s lending business, not investors in or endorsers of the Series R Preferred; they have not reviewed this page, and counterparty names are withheld by agreement. Oak operates under a letter of intent with an insurance counterparty; a definitive agreement is anticipated and not yet signed. NAIC designations describe asset credit quality and are not a rating of Oak.
LENS descriptions are high-level and simplified. Tools within the platform were developed with the assistance of AI; day-to-day operation has little reliance on AI, and the platform supports rather than replaces credit judgment — the credit committee decides. Statements about capacity, scale, efficiency, cost or planned functionality are forward-looking, involve substantial risks and uncertainties, and are not guarantees. Employee counts and financial data are as stated in Oak’s Form 1-A and are not indicative of future results. Commercial real estate lending involves risk, including borrower delinquency and default, declines in property value, and loss of principal. Securities offered through Digital Offering, LLC, Member FINRA / SIPC.