Collateral that holds up
when disbursement depends on it.
In home equity and property-backed or equipment-backed lending, the bank only approves the amount and releases funds after the appraisal report on the asset. uInspect runs every collateral inspection through a single track, from dispatch to audited report, with photos geotagged at the source and a chain of custody per piece of evidence. Your operation stops depending on photos from personal phones and reports in Word, and starts delivering evidence that survives the risk and compliance audit.
The amount comes out of the report. And the report is born without evidence of presence.
The work order reaches the appraiser by email and WhatsApp, and the operation has no visibility of where each inspection stands.
Photos are taken on personal phones, loose in the gallery, with no geolocation, no reliable date and time, no chain of custody.
The report comes back in Word or PDF, with no standard, and the bank cannot audit the appraiser network at scale.
There is no evidence the appraiser was at the asset, so a recycled or inflated report goes undetected.
From the property to the report, everything runs through uInspect
The credit operation dispatches the appraiser from a single dashboard, out of email and WhatsApp. The inspection happens at the property or by video, many per day without travel, and out comes an auditable report with photos at the asset's coordinates and evidence of presence through route and distance.
From request to auditable report.
- 1 Each credit operation becomes a planned inspection: the operation dispatches the accredited appraiser through the app and follows it by tracking, with route and geolocation.
- 2 The appraiser goes to the property even without signal: an offline app, with the route and the distance to the asset logged, syncing on reconnection without altering the original GPS or time.
- 3 Capture is born at the right asset: photo, video and audio through the camera, with GPS, date and time recorded on the image, and the questionnaire collects condition, quality standard, area and title status in a standardized appraisal format.
- 4 The report consolidates the inspection with media, geolocation and chain of custody, and the evidence flows via API and webhooks to the credit engine.
The capabilities that turn the inspection into evidence.
The same horizontal platform, with the features this industry actually uses. Everything inside the inspection, not in spreadsheets and scattered chats.
Evidence of presence with route and distance to the asset, making the recycled or inflated report from a property the appraiser never visited unviable.
Dispatch and tracking of the appraiser network in a single dashboard, out of email and WhatsApp, so the operation sees where every appraisal stands.
Photos with GPS, date and time recorded on the image and logged provenance, so the evidence is born reliable at the right coordinates.
Standardized appraisal data collection, validated on the spot, so the report stops arriving as a loose Word file with no standard.
An auditable report with a chain of custody per piece of evidence, so the collateral file holds up before risk and compliance.
API and webhooks to deliver the evidence to the credit engine, in batches or one by one, so disbursement moves with the report in hand and not with a PDF over email.
Concrete use cases in this industry.
Inspection of the property pledged as collateral in home equity and property-backed lending, before the amount is approved and funds are released.
Inspection of financed machinery or equipment, with evidence of presence at the asset that backs the credit.
Revaluation of the collateral portfolio, to recheck the condition and existence of the asset over the life of the contract.
Audit of the accredited appraiser network and the appraisal BPO, with a per-inspection trail to prove the service.
Triage of low-value, low-risk cases by remote inspection, before deciding on an on-site appraiser.
Appraisal fraud that becomes credit loss
In Brazil, federal courts have handled cases where accredited engineers issued fraudulent appraisal reports, with losses above R$ 1.5 million and most of the contracts in default. Evidence of presence through route and distance makes the recycled or inflated report economically unviable.
The inspection that holds up, side by side with today's.
- Work orders over email and WhatsApp
- Photos on personal phones with no geolocation
- Word reports with no standard, an unaudited network
- No evidence of presence, an opening for inflated reports
- Dispatch and tracking of the network in one dashboard
- Photos with GPS, date and time at the right property
- Standardized, auditable appraisal data collection
- Evidence of presence that makes recycled reports unviable
Evidence is born trustworthy at capture, and the buyer controls what it releases.
Every photo leaves capture with its provenance, GPS, date and time, and the inspection carries the questionnaire and the chain of custody of the media all the way to the report. With document bureau checks (individuals and companies), anti-fraud stops being a talking point: it is provenance plus a verified document. More than 100,000 inspections on record, and more than 15,000 per crop season, all to the same standard. The report stops being a loose sheet and becomes evidence that holds up when disputed, and the payer controls what it releases.
uInspect is the capture and evidence layer of the inspection, not the appraiser. It does not calculate market value or sign the appraisal, which stay with the accredited appraiser and the applicable valuation methodology. Self-inspection does not apply here: the owner of the asset cannot self-appraise what backs their own loan.
Questions from teams operating in home equity and collateral lending.
Does uInspect calculate the market value of the property?
No. It is the capture and evidence layer of the inspection. The value calculation, the valuation methodology and the technical signature on the appraisal stay with the accredited appraiser and the BPO. uInspect delivers the traceable capture and the structured data that back that report.
How do you prove the appraiser was at the property?
The app logs the route and the distance to the asset, and capture is born through the camera with GPS, date and time recorded on the image itself, at the exact property. When media comes from the gallery, its provenance is logged with the device data. That is the evidence of presence that makes a recycled or inflated report economically unviable.
Does the app work without signal at the property or on a rural site?
Yes. The app captures, fills the questionnaire and logs the route without a connection, and syncs on reconnection without altering the original GPS or time. The appraiser works at the asset, not hunting for signal bars, and the evidence keeps its origin when the signal returns.
How does uInspect handle fraud in collateral inspection?
Through provenance and documents. The provenance of the media is logged at capture (GPS, date and time, origin of the image) and bureau checks verify the individuals and companies involved. Anti-fraud is evidence of origin plus verified documents, plus evidence of presence through route and distance, not a promise of artificial intelligence over the photo.
Does it integrate with the credit engine?
Yes. Via API and webhooks the data, the files and the answers flow to the system that decides the disbursement, in batches or one by one. The report comes in, and the credit moves on. uInspect is the evidence link of the inspection, not the whole system.
Can the bank audit the entire appraiser network?
Yes. Workspaces separate portfolios, teams and roles, with role-based access control and an audited trail. Risk and compliance audit the whole appraiser network, and the BPO proves the delivery of every inspection, with the evidence of presence attached per appraisal.
Does self-inspection work for a property pledged as collateral?
No. The owner of a pledged asset cannot self-appraise what backs their own loan. That is a conflict of interest, and the evidence has to come from an independent appraiser. Here the fit is on-site inspection, the workhorse of the sector, and remote inspection by video for portfolio revaluation and low-risk triage.
The same evidence, in any inspection mode.
This industry starts with the mode that makes the most sense, but the platform is one. Explore the three modes, or see the other industry solutions.
Put evidence at the center of your home equity and collateral lending operation.
Talk to the team and see uInspect running on your use case.