[.green-span]Close The Gap Between “Approved” and “Funded” with Checkout[.green-span]

Launch and scale faster: The last mile of lending shouldn’t be the longest. Approvals are won upstream, but conversions are won at closing. Checkout transforms the final step of funding into a single, guided, one-link experience that borrowers complete in minutes—not days.

The challenge: fragmented closings kill momentum

• Too many handoffs: email, PDFs, separate e-sign portals, manual bank setup
• Stipulation ping-pong: chasing missing documents and signatures
• Late-stage risk checks: last-minute flags and rework
• Compliance friction: disclosures, consents, and audit trails across systems

The result: dropped deals, slower time-to-cash, higher operational cost.

The solution: Checkout orchestrates closing end-to-end One secure link. One adaptive flow. Everything needed to fund:

• Offer acceptance and clear terms review
• Identity and business verification (KYC/KYB) with live checks
• Instant account verification (IAV) and ACH autopay authorization
• Stip collection and smart document requests
• E-sign for all parties with a full audit trail
• Funding instructions and confirmations
• Automated reminders and event-driven updates

How it works

1. Approve: Trigger Checkout from your LOS or via API after decisioning.
2. Assemble: Checkout builds a dynamic, product-specific checklist based on rules, amount, and jurisdiction.
3. Send: Deliver a single secure link via SMS or email. No portal logins required.
4. Guide: Borrowers complete on any device with save-and-resume and step-by-step prompts.
5. Verify: Real-time KYC/KYB, fraud, and device risk checks as they proceed.
6. Sign: E-sign captures all consents and signatures with ESIGN/UETA compliance.
7. Fund: Collect bank details, confirm disbursement, set up autopay, and finalize.
8. Sync: Write back status, documents, and events to your CRM/LOS via webhooks.

Why it converts

• Fewer steps, fewer surprises: Dynamic paths remove dead ends and rework
• Clarity by design: Progress indicators, prefilled data, and plain-language terms
• Speed with confidence: Instant verification and on-the-spot remediation
• Help when needed: Embedded guidance and optional Voice AI follow-ups

Compliance built in

• ESIGN/UETA compliant e-signature with time-stamped audit trails
• Consent capture for TCPA and disclosures tailored by product and state
• Role-based access and data retention policies
• Automated record keeping and immutable logs for exams

Configurable to your lending products

• Tailor flows by product: term loans, MCAs, LOCs, SBA, equipment financing
• Rule-based steps by amount, industry, risk signals, or geography
• Brand the experience end-to-end with your logo, colors, and voice
• Plug in your preferred providers: bank data, e-sign, KYC/KYB, payments

API-first and easy to embed

• Embed as a widget or use a hosted, white-labeled link
• Event webhooks for every milestone: sent, opened, verified, signed, funded
• Sandbox to prototype and test flows before launch
• Clear docs and sample templates to accelerate integration

Operational lift without headcount

• Reduce manual chasing with automated reminders and step logic
• Eliminate NIGO loops with validations at the point of entry
• Standardize closing across teams, channels, and partners
• Create a repeatable, auditable process that scales

What to measure with Checkout

• Approval-to-fund conversion rate
• Time to fund from offer acceptance
• Step-level drop-off and recovery
• Stip turnaround time and NIGO rates
• Percentage of same-day closes

Real-world scenario Imagine this: An approval hits your LOS at 10:02 a.m. Your team triggers Checkout. The borrower receives a secure link. They review terms, verify their business, connect their bank, sign, and authorize ACH—on their phone, between appointments. Your team gets a funded confirmation and a complete audit trail before lunch.

The bottom line Closing should be a catalyst, not a constraint. Checkout streamlines the final step so your borrowers finish fast, your team works smarter, and more approvals become funded deals.

The Most Versatile Embedded Credit Infrastructure

Next steps

• Discover: See how Checkout fits your current stack.
• Explore: Review sample flows for your product mix.
• Start integrating: Use our API and sandbox to launch quickly.
• Let’s walk you through it: Book a working session with our team.

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