SBA Environmental Due Diligence
SOP 50 10 Scoped · Lender Reliance Included
Environmental due diligence scoped to the SBA SOP 50 10 decision tree — the right report at the right level, with the reliance language and Environmental Professional qualifications your loan file needs.
- 100% lender approval on Phase I ESAs
- 1-week priority Phase I turnaround
- Fixed-fee, same-day quotes
Free scoping call — fixed-fee quote with the scope locked before we start.
How a lender diligence engagement runs
From loan application to a defensible opinion underwriting can rely on.
- 01
Scope & kickoff
Same-business-day scope, fee range and delivery date.
Request a scope - 02
Records & risk screen
Historic use, agency databases, and prior reports triaged to the loan's risk threshold.
See what's included - 03
Targeted confirmation
Phase II, property condition, or cost work scoped only to the questions the loan decision turns on.
When it applies - 04
Opinion & report
SBA, ASTM, or portfolio format delivered to closing schedule.
Read the FAQs - 05
Common next step
The work most clients authorize once this closes out.
Phase I ESA - 06
Start the engagement
Send the site details — we scope it and price it.
Start the engagement
What's Included in an Envicon SBA Due Diligence Engagement
NAICS Screen & Decision-Tree Placement
We check the property's current and historical NAICS codes against the SBA environmentally sensitive industry list and tell you which report level the SOP actually requires — before you order the wrong one.
RSRA, Transaction Screen or Phase I ESA
Records Search with Risk Assessment for lower-risk collateral, Transaction Screen where the SOP allows it, and a full ASTM E1527-21 Phase I where the decision tree or your credit policy requires it.
Reliance Letters & EP Qualifications
Reliance extended to the lender, SBA, and any CDC or secondary-market participant, with the Environmental Professional statement and qualifications the loan file must carry.
Escrow, Indemnity & Condition Support
Where contamination is identified, we quantify the exposure and support the remediation escrow, indemnity, or environmental insurance condition so the loan can still close.
When SBA Environmental Due Diligence Is Required
- 7(a) or 504 loan secured by commercial real estate
- Collateral falls within an SBA environmentally sensitive NAICS code
- Gas station, dry cleaner, auto repair, or former industrial use
- A prior report is over 180 days old at closing
- CDC or secondary-market participant requires named reliance
- Credit committee requires escalation from RSRA to Phase I
Need SBA Due Diligence on a deadline?
Tell us the site and the driver and we'll come back with a SBA Environmental Due Diligence scope, a price range, and a delivery date — usually the same business day.
Lenders & transaction teams
Closing a deal that needs SBA Environmental Due Diligence?
Tell us where you sit in the transaction and when it closes. We route your request straight to the team that handles SBA Environmental Due Diligence and come back with a fixed-fee scope and a schedule built around your closing date.
- Lender-ready, ASTM-conformant deliverables
- Scope and fee back within one business day
- Rush scheduling for closings inside two weeks
Prefer to talk it through? (917) 764-2171
Pairs Naturally With
Phase I ESA
The full ASTM E1527-21 assessment when the SOP decision tree or credit policy escalates past a screen.
Explore service
Transaction Screen (RSRA)
The lower-cost screening tier for collateral outside the sensitive-industry list.
Explore service
Property Condition Report
ASTM E2018 building condition assessment bundled into the same due-diligence package.
Explore serviceSBA Due Diligence Past Performance
Representative projects from our NY/NJ portfolio.
Manhattan Commercial Portfolio Assessment
Comprehensive Phase I ESA portfolio review for 12 commercial properties in Manhattan with tight acquisition timeline.
View Case Study
Jersey City Mixed-Use Brownfield Redevelopment
Complete environmental assessment and remediation of a former industrial site converted to luxury residential development.
View Case Study
Riverside Park South – Phase 6
Final phase of a major waterfront park development on Manhattan's Upper West Side, transforming a former rail yard into public recreational facilities including a multi-use sports field, basketball courts, pedestrian pathways, and landscaped open space.
View Case StudyEnvironmental Due Diligence
Choose Your Level of Protection
Service comparison — not a formal proposalFour levels of due-diligence coverage for NY and NJ property transactions — from a fast desktop read to a pre-closing subsurface investigation. Each level buys you a different amount of liability protection.
Protection: Entry
Desktop Review
Protection strength 1 of 4 — Entry.A fast go/no-go read before you commit. No field visit, and it does not meet the ASTM standard.
from $850
flat fee
Draft in 3-5 business days
Protection: Standard
Phase I ESA
Protection strength 2 of 4 — Standard.The standard. Meets ASTM E1527-21 with a site visit and a report signed by an Environmental Professional.
from $2,200
lump sum
Draft in 2-3 weeks
See what Phase I ESA coversProtection: Full
Phase I + Transfer Screen + Lien Search
Protection strength 3 of 4 — Full.Full Phase I, the state transfer-trigger answer you need before closing, and a hidden-lien check.
from $3,850
lump sum
Draft in 2-3 weeks
See what Phase I + Transfer Screen + Lien Search coversProtection: Maximum
All-In
Protection strength 4 of 4 — Maximum.Everything above, plus a limited Phase II before you close. Phase II scope is set by what the Phase I finds.
from $9,850
Phase II priced on findings
Draft in 3-4 weeks
See what All-In coversNot sure which level you need?
Get a tailored recommendation for your deal.
Tell us the level you're weighing and where to send it. An Environmental Professional reviews your situation and emails back whether that scope actually covers your liability — or whether you're buying more (or less) than you need. No obligation.
Every property prices differently.
These are starting points. Acreage, prior use, region and how fast you need it all move the number. The Cost Estimator gives you a range built around your property, your service and your closing date — in under two minutes, no obligation.
Compare the levels side by side
Select a level to highlight it and flag what that upgrade adds. Every line links to the service that delivers it.
| What's included | Recommended | |||
|---|---|---|---|---|
| The Read | ||||
| Go / no-go read on the property | Included | Included | Included | Included |
| Historical records reviewAerials, Sanborn maps, city directories, topographic maps | Included | Included | Included | Included |
| State agency file and case reviewNJDEP Data Miner, NYSDEC and NYC agency records | Light coveragelight | Included | Included | Included |
| Environmental database (EDR) radius report | Not included | Included | Included | Included |
| The Standard | ||||
| Field site visit and reconnaissance | Not included | Included | Included | Included |
| Meets ASTM E1527-21 (All Appropriate Inquiries) | Not included | Included | Included | Included |
| State site-investigation screen where requiredNJ Preliminary Assessment under the Spill Act; NY equivalents | Not included | Included | Included | Included |
| PFAS records-based screening | Not included | Included | Included | Included |
| Report signed by a qualified Environmental Professional | Not included | Included | Included | Included |
| The Protection | ||||
| Innocent-purchaser / AAI liability protection | Not included | Included | Included | Included |
| 180-day reliance window (40 CFR Part 312) | Not included | Included | Included | Included |
| Transfer-trigger applicability memoNJ ISRA NAICS and waiver screen; NY (E) Designation and BCP screen | Not included | Not included | Included | Included |
| AUL and environmental lien search | Available as an add-onadd-on | Available as an add-onadd-on | Included | Included |
| Limited Phase II before closing | Not included | Not included | Not included | Scoped on findingsscoped on findings |
| Turnaround | ||||
| Draft in your hands, from confirmed site access | 3-5 business days | 2-3 weeks | 2-3 weeks | 3-4 weeks |
Phase I ESA
from $2,200 · draft in 2-3 weeks
- Included: Go / no-go read on the property
- Included: Historical records review
- Included: State agency file and case review
- Included: Environmental database (EDR) radius reportNew here
- Included: Field site visit and reconnaissanceNew here
- Included: Meets ASTM E1527-21 (All Appropriate Inquiries)New here
- Included: State site-investigation screen where requiredNew here
- Included: PFAS records-based screeningNew here
- Included: Report signed by a qualified Environmental ProfessionalNew here
- Included: Innocent-purchaser / AAI liability protectionNew here
- Included: 180-day reliance window (40 CFR Part 312)New here
- Not included: Transfer-trigger applicability memo
- Available as an add-on: AUL and environmental lien search — add-on
- Not included: Limited Phase II before closing
Starting prices are floors for a typical NY/NJ commercial property and are not a quote. A Desktop Review does not meet ASTM E1527-21 and confers no All Appropriate Inquiries protection. Additional scopes are provided for information only and are not initiated without separate written authorization.
Transparent pricing for SBA Due Diligence — get your site-specific estimate
Answer a few questions about your property and get a real price range in under 2 minutes. No sales call required.
- Site-specific range
- Under 2 minutes
- No obligation
- Emailed to you
Preliminary estimate only. Not an engineering quote.
Service inquiry form
Request a SBA Due Diligence Quote
Send the property address, NAICS code, and loan program. We'll confirm the required report level and return a fixed fee and delivery date within 2 business hours.
SBA Due Diligence FAQs
Common questions from SBA lenders, CDCs, and loan officers scoping environmental due diligence.
Ready to move on SBA Due Diligence?
Send us the site details and we'll scope it, price it, and tell you honestly whether you need this work at all.
Related Lender Due Diligence Services
Projects rarely need one service in isolation. These are the scopes most often paired with this one.
Transaction Screen & Records Search with Risk Assessment
ASTM E1528 Transaction Screen Assessments and ASTM E2247-style Records Search with Risk Assessment for lower-risk lending collateral.
Learn more
Portfolio & Loan Book Environmental Review
Bulk Phase I ESA programs, collateral risk scoring, and existing loan book environmental sweeps for institutional lenders.
Learn more
Workout, REO & Foreclosure Environmental Risk
Environmental liability evaluation for distressed collateral, secured creditor exemption support, and REO disposition strategy.
Learn moreServices That Work Alongside SBA Environmental Due Diligence
Scopes our clients most often add to keep one schedule, one regulator conversation, and one point of accountability.
Environmental Assessment & Investigation
Lender-ready Phase I/II ESAs with 1-week turnaround. Comprehensive due diligence that banks approve the first time.
Learn more
Strategic Advisory & Value-Add Services
Owner's representation with rapid response turnaround. Expert guidance that keeps your project lender-ready and on schedule.
Learn moreSBA Due Diligence Projects in the NY/NJ Metro
Case studies matched to this scope by the services delivered, the site conditions, and the market the work was performed in.
View all case studies
Industries That Rely on SBA Environmental Due Diligence
See how teams across these sectors integrate sba environmental due diligence into their projects, with regulator-ready deliverables and predictable timelines.
Lenders
Protect your portfolio with lender-compliant environmental assessments. We deliver Phase I ESAs that meet SBA, FDIC, and institutional requirements, on your timeline.
Explore industry
Developers
We understand your timeline pressures. Get Phase I ESAs that pass lender scrutiny the first time, with 1-week turnaround when you need it.
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Law Firms
We provide environmental law firms with the technical analysis, expert opinions, and litigation support needed to build winning arguments.
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Industrial
Whether you're acquiring, developing, or operating industrial facilities, we provide the environmental expertise to protect your investment.
Explore industry
Institutional
Hospitals, universities, and nonprofits face unique environmental challenges. We help you protect your community while managing complex property portfolios.
Explore industrySBA Environmental Due Diligence Across the NY/NJ Metro Area
Licensed teams working locally — pick your market for regional regulators, turnaround times, and recent project work.
