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Cross-Border Private Lenders Association

LendCheck

Identify the licensing and market-entry questions before you move forward.

LendCheck is CBPLA's focused licensing-check resource and jurisdiction learning pathway. It helps members organize the questions they need to investigate when considering a market, including the activity, location, borrower, property and transaction structure that may affect the analysis.
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Three questions, one state

LendCheck answers the questions that decide whether you can do business in a state, and stops there: can you lend, do you need a license, and what can you charge. You finish knowing whether you are clear, whether you need a license, or whether you need counsel.

Who LendCheck is for

Private lenders, brokers, originators, investors and supporting professionals who want an organized introduction to a jurisdiction before seeking advice on a particular business model or transaction.

Each state includes

  • The module

    About an hour of self-paced study, including the scope worksheet and rate calculator, that answers three questions for one state: can you lend, do you need a license, and what can you charge.

  • Toolkit 1: Scope Worksheet

    A fillable worksheet that records the facts of your loan and where it falls in the state's licensing perimeter.

  • Toolkit 3: Rate and Band Calculator

    A spreadsheet built on the state's own interest-rate rules, for testing the pricing of a live file.

Included with membership

Available now

Active CBPLA members can open every available state in the member portal at no additional cost. More jurisdictions are being added.

  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Michigan
  • Minnesota
  • Nevada
  • New York
  • North Carolina
  • Oregon
  • South Carolina
  • Tennessee
  • Washington
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Hear when new states are added

A learning resource, not a licensing determination

LendCheck does not confirm that a particular person or company is exempt, licensed or authorized to lend. Any completion record confirms participation only; it is not a regulatory credential. Obtain advice on the requirements applicable to your activity and jurisdiction.

CBPLA provides general education, industry resources and professional connections. Its content is not legal, tax, investment or other professional advice. Membership does not include legal representation, licensing approval, financing or a guarantee of business opportunities. Professional services require a separate engagement with the relevant provider.