leveragecalc.com

What It Is

Leverage Finance Software is a financing analysis and loan pre-qualification tool for U.S. business users, operated by Financing Results, LLC. It is not a bank, lender, or loan approval platform. Instead, users enter data for commercial real estate, investment properties, or business financing, and the system uses automated analysis to assess whether a deal is likely to receive serious consideration from U.S. financial institutions. It can then generate a Leverage Report for initial discussions with lenders.

Core Features

The product covers use cases such as multifamily properties, mixed-use properties, commercial property purchases and refinancing, the Business Finance Calculator, and the SBA-504 Screener. Its focus is evaluating loan feasibility using “bank-like calculation logic.” When the result is Yes, users can send the report to lenders through Leverage Connect. The platform claims it can connect users with more than 100 banks/lenders, though its terms also state that it does not guarantee lender availability for every region or financing need.

Pricing and Payments

Leverage uses a subscription model, with both monthly and annual subscriptions available. Registration can start for free and does not require a credit card. Report purchases or subscriptions must be paid for by credit card through the website and may be processed by a third-party payment provider. Specific subscription prices are not disclosed in the text. Annual subscriptions are prepaid for one year and renew automatically. The 30-day conditional refund only applies if no analysis has been run and no report has been accessed; monthly subscriptions and free plans are non-refundable. Sending a Connection Request is free for users, while lenders may pay the platform a technology usage fee.

Compliance, Risk Controls, and Limitations

The terms state that the website is only for business users aged 18 or older who reside in the United States or its territories/possessions. It is not intended for consumers or household use. The platform’s analysis depends on user-entered data and does not independently verify its accuracy. An Accept through Leverage Connect also does not mean a loan has been approved; final loan amount, interest rate, and term may change. Lenders are generally expected to Accept or Pass on a report within 24 hours.

Pros, Cons, and Who It’s For

Its strengths are a focused set of financing scenarios, clear report-based output, and improved efficiency in financing conversations before a formal application. The drawbacks are opaque pricing, strong geographic restrictions, no guarantee of funding, and limited practical value for users in China. It is better suited to U.S. commercial real estate investors, developers, commercial property brokers, and business owners for early-stage financing screening.

Access from China and Alternatives

Network accessibility from mainland China is unknown. Even if accessible, the service is limited to U.S. business users, and payments mainly rely on credit cards, so its practical applicability is limited. Alternatives worth considering include LoopNet Finance, Commercial Loan Direct, Fundera, Nav, or commercial loan pre-screening tools from local U.S. banks.