🛡️ Trusted by 500+ Financial Institutions

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.

✓ ASTM E1527-21 Compliant
✓ SBA Accepted
✓ Nationwide Coverage
$1,900
Flat Rate – No Hidden Fees
  • Historical Records Review
  • Environmental Database Search
  • Regulatory File Review
  • On-Site Reconnaissance
  • Owner/Occupant Interviews
  • ASTM E1527-21 Report
🕐 2-3 Week Turnaround

30+
Years Experience
50
States Covered
1000+
ESAs Completed
100%
SBA Compliant

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:

  • ⚠️
    Cleanup Liability
    Remediation costs often exceed property value, turning assets into liabilities
  • ⚠️
    Regulatory Action
    EPA and state agencies can pursue lenders for contamination cleanup
  • ⚠️
    Loan Default Risk
    Contaminated collateral undermines loan security and recovery options

🛡️

Phase I ESA = Innocent Landowner Defense

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

1

Order Received

Submit your request and receive confirmation within 1 business hour

Day 1
2

Records Review

Comprehensive review of historical records, environmental databases, and regulatory files

Days 1-5
3

Site Reconnaissance

On-site inspection by licensed environmental professional

Days 5-10
4

Report Delivery

ASTM E1527-21 compliant report delivered in PDF format

Days 10-15

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

Phase I Environmental Site Assessment
$1,900
Flat Rate – Nationwide

Order Now
Call for Volume Pricing

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.”

Michael R.
VP Commercial Lending, Regional Bank, Indiana
★★★★★

“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.”

Sarah T.
SBA Loan Officer, Community Credit Union
★★★★★

“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.”

James K.
Commercial Real Estate Attorney, Law Firm, Chicago

Frequently Asked Questions

Everything lenders need to know about Phase I ESAs

Why do lenders require Phase I ESAs?
▼
Phase I Environmental Site Assessments protect lenders from environmental liability under CERCLA (Superfund). Without proper due diligence, your institution could become liable for contamination cleanup costs that often exceed the property value. A Phase I ESA establishes the ‘innocent landowner’ defense and satisfies regulatory requirements for SBA, HUD, and conventional commercial loans.
What is the ASTM E1527-21 standard?
▼
ASTM E1527-21 is the current industry standard for Phase I Environmental Site Assessments, effective November 2021. This standard defines the process for evaluating a property’s environmental conditions, including historical use review, regulatory database searches, site reconnaissance, and interviews. All our reports comply with this latest standard, ensuring your loans meet federal and regulatory requirements.
How quickly can you complete a Phase I ESA?
▼
Our standard turnaround is 2-3 weeks from order date. For time-sensitive transactions, we offer expedited service with delivery in as few as 5-7 business days (rush fees apply). Contact us directly at (317) 449-0033 to discuss your timeline requirements.
What areas do you service?
▼
GEOTILL provides Phase I Environmental Site Assessments nationwide across all 50 states. Our network of licensed environmental professionals ensures consistent quality and local expertise regardless of property location.
What’s included in the $1,900 flat rate?
▼
Our $1,900 flat rate includes: historical records review, environmental database search (standard ASTM radius), regulatory file review, site reconnaissance visit, interviews with property owners/occupants, and a comprehensive ASTM E1527-21 compliant report. Additional services such as vapor encroachment screening, wetlands assessment, or asbestos surveys are available at additional cost.
What if contamination is found?
▼
If our Phase I ESA identifies Recognized Environmental Conditions (RECs), we provide clear documentation and recommendations for further action. We also offer Phase II ESA services (subsurface investigation) to quantify contamination levels. Our team can guide you through the entire remediation process if needed, helping you make informed lending decisions.
Do your reports satisfy SBA requirements?
▼
Yes. All GEOTILL Phase I ESAs comply with SBA Standard Operating Procedure (SOP) 50 10 requirements for environmental due diligence. Our reports are accepted by SBA-approved lenders nationwide for 7(a) and 504 loan programs.
How do I order multiple assessments for my loan portfolio?
▼
We offer volume pricing for lenders with ongoing Phase I ESA needs. Contact us at or call (317) 449-0033 to discuss a master service agreement tailored to your institution’s requirements.

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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.