Protect Your Loans with Phase I ESA Due Diligence
Mitigate environmental liability risk on commercial real estate loans. ASTM E1527-21 compliant reports delivered nationwide in 2-3 weeks.
✓ SBA Accepted
✓ Nationwide Coverage
- Historical Records Review
- Environmental Database Search
- Regulatory File Review
- On-Site Reconnaissance
- Owner/Occupant Interviews
- ASTM E1527-21 Report
Environmental Risk is Lending Risk
Under CERCLA, lenders can be held liable for environmental contamination on properties in their portfolio. A single contaminated property can result in:
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Cleanup LiabilityRemediation costs often exceed property value, turning assets into liabilities
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Regulatory ActionEPA and state agencies can pursue lenders for contamination cleanup
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Loan Default RiskContaminated collateral undermines loan security and recovery options
Proper environmental due diligence establishes the legal defense that protects your institution from CERCLA liability.
What Examiners Look For
- Current ASTM E1527-21 standard compliance
- Report prepared by qualified Environmental Professional
- Proper identification of Recognized Environmental Conditions (RECs)
- Clear recommendations for additional investigation if needed
- Report dated within 180 days of transaction (or updated)
- All Appropriate Inquiry (AAI) requirements satisfied
Phase I ESA for Every Loan Type
Our environmental assessments meet requirements for all commercial lending programs
SBA 7(a) Loans
Environmental due diligence required for all SBA 7(a) commercial real estate loans
SBA 504 Loans
Phase I ESA mandatory for CDC/504 loan program real estate acquisitions
HUD/FHA Commercial
HUD environmental requirements for multifamily and healthcare facilities
CMBS Loans
Environmental reports for Commercial Mortgage-Backed Securities underwriting
Conventional Commercial
Standard environmental assessments for traditional commercial lending
Construction Loans
Pre-development environmental screening for construction financing
Simple 4-Step Process
From order to report delivery in 2-3 weeks
Order Received
Submit your request and receive confirmation within 1 business hour
Records Review
Comprehensive review of historical records, environmental databases, and regulatory files
Site Reconnaissance
On-site inspection by licensed environmental professional
Report Delivery
ASTM E1527-21 compliant report delivered in PDF format
Transparent, Flat-Rate Pricing
No surprise fees. No hidden costs. One price for complete Phase I ESA service anywhere in the United States.
- Complete ASTM E1527-21 Assessment
- Nationwide Coverage – All 50 States
- Licensed Environmental Professionals
- 2-3 Week Standard Turnaround
- Rush Service Available
* Additional services (Phase II, vapor assessment, wetlands) quoted separately
Trusted by Lenders Nationwide
See why financial institutions choose GEOTILL for environmental due diligence
“GEOTILL has been our go-to environmental consultant for over 5 years. Their reports are thorough, delivered on time, and our examiners have never had issues with their work. The flat-rate pricing makes budgeting easy for our borrowers.”
“When we need a Phase I done right and on schedule, GEOTILL delivers. They understand SBA requirements and their reports consistently pass our quality reviews. Highly recommend for any commercial lender.”
“I’ve worked with many environmental consultants, but GEOTILL stands out for their professionalism and attention to detail. Their Phase I reports have helped my clients close transactions with confidence.”
Frequently Asked Questions
Everything lenders need to know about Phase I ESAs
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Request Your Phase I ESA
Complete the form below and we’ll respond within 1 business hour
Learn More About Our Environmental Services
Environmental Services Overview
Comprehensive environmental consulting services for commercial and industrial properties.
Environmental Due Diligence
Protect your investment with thorough environmental investigation and risk assessment.
Phase I & Phase II ESA
Detailed information about our Phase I and Phase II Environmental Site Assessment services.
Ready to Protect Your Loan Portfolio?
Get your ASTM E1527-21 compliant Phase I ESA from a trusted environmental consultant.