Instead, it reviews loan documents, identifies predatory or “toxic” terms, and helps borrowers and investors understand what they are signing before closing. This distinction matters: most people a borrower talks to during a loan, the loan officer, the broker, sometimes even the closing attorney are compensated when the deal closes. That’s the core idea behind “toxic lending” as Coventry Enterprises defines it: the issue usually isn’t fraud, it’s asymmetry. Risk assessment — the loan is evaluated for payment-shock exposure, balloon risk, and worst-case scenarios if the borrower’s situation changes. He works with borrowers and investors to evaluate loan structures and identify predatory lending patterns before a deal closes.