Commercial valuation, loan documentation and closing solutions
that work for your business.
Business owners need capital quickly — but rushed due diligence creates risk. United One streamlines every stage of the lending process without sacrificing the standards that protect your portfolio.
The Essentials of Modern Commercial Lending Documentation and Closing
Commercial lending is fundamentally different — complex corporate structures, multiple guarantors, and properties that require specialized evaluation. From initial credit assessment to final closing, United One helps lenders make confident decisions backed by thorough documentation and verified data.
Comprehensive Due Diligence Services
Due diligence is the backbone of sound lending. These services give you a complete picture of borrower creditworthiness and collateral security.
Business Credit Reports
Experian Business Credit Reports detail payment patterns, outstanding obligations, and credit utilization — revealing how a business manages its commitments, not just its score.
Judgment Searches and UCC Checks
Judgment searches uncover legal claims against the borrower, while state and county UCC checks identify existing security interests — preventing conflicting claims on collateral.
Current Owner Property Reports
When real estate serves as collateral, we report ownership and flag discrepancies in the record — protecting you from fraud and ensuring clear title. Lenders use our current owner searches to validate ownership, anticipated lien position, report judgements, suits, liens, and the status of real estate taxes.
Navigating Legal Requirements
United One cuts through the layers of corporate documentation with the integrity documents that verify a business’s legal standing.
Corporate Status and Good Standing
Confirms the business is compliant with state requirements and holds its legal right to operate — lending to a company not in good standing creates unnecessary exposure.
Articles of Incorporation
Verifies the entity’s creation date, registered agent, and authorized shares — confirmation that you’re working with a legitimate corporate entity.
Corporate Tax Lien Certificates
Unpaid taxes take priority over most other debts. These certificates reveal any federal or state liens, so you know the true priority of your security interest.
Managing Risk and Security
Protecting your investment takes vigilance — through closing and for the life of the loan.
Flood Zone Determinations
We identify whether a property falls in a FEMA Special Flood Hazard Area, so insurance requirements are met at closing — and our life-of-loan service notifies you immediately when FEMA map changes affect your collateral to ensure the most current map and panel is in your collateral file.
Property Reports
Property descriptions, assessed values, and ownership verification — combined with judgment searches and UCC checks, a complete view of collateral security.
Specialized Support for Loan Closing and Servicing
Our legal and operations team manages the coordination and execution of closing, so you can focus on your client relationships.
Title Insurance and Settlement Services
Title insurance protects your security interest against title defects, and our settlement team coordinates every party — documents executed, recorded, and delivered.
Mortgage Filing and Bringdown Services
When title insurance isn’t required, our insured filing and bringdown service handles courthouse recording — covered, streamlined, and off your team’s plate.
Real Estate Tax Monitoring
We report on property tax status and delinquencies, so you always know where a borrower stands before it becomes a problem.
Commercial Valuation & AVM
Gain fast, reliable property value insights through commercial valuation services and automated valuation models (AVMs), helping support underwriting decisions, assess collateral, and streamline due diligence.
Why Choose United One
Commercial lenders need partners who understand the stakes. We maintain direct relationships with courthouses, government agencies, and data providers — so every document you receive is current and verified.
Speed matters, too. Our streamlined processes deliver results quickly without cutting corners, giving you the capacity to act decisively when your clients’ opportunities arise.
Works with the systems you already use.
United One connects with the partners and platforms commercial lenders already run on — and plugs into your origination workflow, whichever system you use. No rip-and-replace.
We could not have moved the number of loans through our bank without United One's help.
Partner with United One for Your
Commercial Valuation, Loan Documentation and Closing Needs
Commercial lending demands both speed and precision — United One’s due diligence, corporate documentation, risk management, and closing services make both possible. Ready to streamline your process? Schedule a consultation today.