A new lender-facing service line: independent credit analysis and credit-memorandum preparation for USDA OneRD guaranteed lenders, delivered in the lender's own template and workflow.
LAGUNA BEACH, Calif. — Wert-Berater, Inc., an independent feasibility study and capital-advisory firm serving lenders and government agencies since 1998, today announced the launch of an outsourced loan underwriting service for lenders participating in the U.S. Department of Agriculture's OneRD Guarantee Loan Initiative.
Under the new service, Wert-Berater completes the credit analysis, drafts the credit memorandum in the lender's own template, and documents concerns, weaknesses, and exception items — working from the lender's data room and third-party reports — so that a credit officer and loan committee receive a decision-ready file. The firm's fiduciary duty runs to the lender and the applicable agency; it does not originate, broker, service, or hold any interest in the loans it supports.
The OneRD Guarantee Loan Initiative harmonizes four USDA Rural Development guaranteed programs under a single regulation, 7 CFR Part 5001: Business & Industry, Community Facilities, the Rural Energy for America Program, and Water & Waste Disposal. Under that structure the approved lender performs the underwriting and prepares the credit memorandum, and USDA Rural Development reviews the file before issuing the loan-note guarantee.
Wert-Berater's work product is built to that workflow. The firm completes the credit analysis — repayment capacity and debt-service coverage, tangible balance-sheet equity, collateral adequacy and advance rates, guarantor support, and program eligibility — and drafts the memorandum in the lender's format, addressing the feasibility, appraisal, and environmental requirements the program applies, including the NEPA-based environmental review under 7 CFR Part 1970. Concerns and policy exceptions are documented plainly, each paired with a recommended condition or mitigant.
The service augments a lender's underwriting capacity for volume, complexity, or turnaround; it does not lower a credit standard or substitute for the lender's judgment. The lender retains full credit authority and the loan relationship, while Wert-Berater supplies the analytical work product behind the decision.
Because Wert-Berater is an independent, fee-for-service firm with no interest in the loans it supports, every conclusion rests on independent research and documented sources, benchmarked against recognized references, so the memorandum is prepared for USDA review and third-party scrutiny.
The outsourced underwriting service is available to lenders nationwide, on either an overflow basis during peak volume or a full-file basis for complex credits. The same support is offered for SBA 504 and 7(a) credits under SOP 50 10 8 and for conventional commercial transactions, prepared to each lender's stated credit policy and coverage standard.
Each engagement is scoped, timelined, and fee-quoted before work begins, with standard delivery in 10 to 15 business days from receipt of a complete file. Lenders can learn more at the firm's website or by contacting the office directly.
Wert-Berater, Inc. is an independent feasibility study consulting firm founded in 1998, providing lender- and agency-facing feasibility studies, highest-and-best-use analyses, and capital-advisory support. The firm has completed more than 4,000 engagements across all 50 states and internationally, evaluating over $40.2 billion in project value for SBA, USDA, EB-5, conventional, and institutional financing decisions. In every engagement, fiduciary duty runs to the lender and the applicable agency.
Media contact: Donald Safranek, MSc, President, Wert-Berater, Inc. — +1 310-857-2443 ext. 800. Press inquiries only; client, lender, and property identities remain confidential.
President, Wert-Berater, Inc. — independent feasibility study consultants since 1998. More than 4,000 feasibility studies completed across all 50 states and internationally, evaluating $40.2 billion in project value for SBA, USDA, EB-5, conventional, and institutional financing decisions. Fiduciary duty runs to the lender and agency in every engagement.
+1 310-857-2443 ext. 800 · email · 1968 South Coast Hwy, Ste 2382, Laguna Beach, CA 92651 · 111 Town Square Pl Ste 1238 PMB 657834, Jersey City, NJ 07310 · 539 W. Commerce St #8486, Dallas, TX 75208
Schedule a ConversationIndependent feasibility studies since 1998 — 4,000+ engagements, $40.2 billion in evaluated project value. Standard delivery in 10 to 15 business days. Fiduciary duty to the lender and agency.