Register at lendiligence.com to create your institution's account. Once verified, you'll have immediate access to the LP3 portal to submit applications, manage active policies, and track all loans in your portfolio. Setup takes less than 10 minutes.

Enter basic loan details — property address, property type, loan amount, loan term and payment structure, and loan-to-value ratio. The system confirms eligibility and generates an exact premium quote in under 30 seconds. Review pricing instantly, save your progress, or proceed directly to submission.

Upon submission, a comprehensive desktop environmental study is automatically ordered from VERAcheck™. Senior environmental consultants perform a deep-dive review of publicly available government records, regulatory databases, and historical land-use data — meeting CERCLA requirements for government records review and delivering 80–90% of the information found in a traditional Phase I ESA.

The completed VERAcheck™ report is delivered to both the lender and the borrower within 2–3 business days — at no additional cost to either party. If a valid Phase I already exists for the property, no desktop study will be ordered and the LP3 policy will be underwritten using the existing Phase I.

When the loan is ready to fund, log in and bind coverage effective as of the loan date. The LP3 policy is issued electronically for the full term of the loan —up to 10 years — and follows the loan unconditionally if sold on the secondary market.

No upfront out-of-pocket costs for the lender. Premiums are structured as pass-through closing costs, typically paid by the borrower. The lender receives one consolidated invoice the following month covering all prior month activity.