[.green-span]Streamlining Closing for Higher Conversions: How Checkout Transforms the Final Step of Funding[.green-span]

For lenders, this is the most expensive point to lose a deal. After investing in underwriting, approvals, and customer communication, the closing stage should never be where momentum dies.

That’s why we built Checkout, a fully integrated, customizable closing experience inside the Borrower Platform that’s designed to maximize conversion, eliminate manual hand-offs, and create real ROI for lenders.

‍

Why Online Checkout Matters More Than Ever

Closing is the lender’s most vulnerable stage. Applicants often don’t know what’s required, when to submit documentation, or where to complete their funding agreement. Meanwhile, lenders are busy sending contracts, collecting missing items, and manually chasing borrowers through email chains. Small issues turn into delays. Delays turn into drop-offs. And drop-offs turn into lost revenue.

Checkout solves this by turning a previously fragmented process into one clear, guided journey. Applicants see every requirement in one place, complete steps in any order, and progress confidently toward funding - all inside the same platform they’ve been accessing to manage their deal.

The impact of the confidence and trust built is in the results:

• 42% faster time-to-fund
• 30% higher offer acceptance
• Fewer errors, revisions, or missing documents
• A more professional, trustworthy borrower experience
• 25% fewer support tickets (saving countless dollars and your team’s valuable time)

When applicants clearly understand what’s needed and how to submit it, they finish the process faster and without as much manual support.

‍

One Closing Experience, Fully Under Your Control

Checkout consolidates the entire closing workflow into a single platform, replacing the fragmented tool stack lenders traditionally rely on. Where teams once juggled e-signature platforms, stipulation request email threads, manual document review processes, bank verification links, shared drives for file collection, manual status tracking spreadsheets, and separate funding call scheduling systems, Checkout now handles all of these functions natively. This integration eliminates context-switching, reduces the chance of miscommunication, and ensures every step of closing happens in one place - making it impossible for critical details to slip through the cracks.

We understand that every lender has a slightly different post-approval process. Checkout allows them to build their process, end-to-end:

• Define required data fields like business and personal name, address, identification numbers as well as banking information like account and routing numbers.
• Select Document Requirements based on business ownership structure and determine rules for when multiple owners need to upload different documents.
• Choose Bank Verification links to be added. For example, external services like Plaid, Finicity, DecisionLogic, and MX.
• Choose Integrated Data Providers to use like Vouched for ID verification, TryChart for tax information, and Spinwheel for credit data.
• Setup a Pre-Populated Debt Schedule table that can be edited by the borrower directly within the Borrower Platform.

And because everything is customizable, lenders can create multiple Checkout Templates - each tailored to a product, partner, or underwriting scenario.

Imagine a lender requiring a debt schedule after offer acceptance. Historically, that meant sending a PDF, waiting for a manual upload, clarifying mistakes, and processing it offline. Now, the Borrower Platform automatically presents borrowers with a pre-populated table that they simply review and update - cutting hours or days off the funding timeline.

‍

A Clear, Guided Experience That Builds Trust

From the applicant’s perspective, Checkout feels like a modern onboarding flow. They see clear headers, descriptions, and step-by-step instructions allowing them to complete steps in any order, at their own pace, with full visibility into what remains.

Instead of juggling emails and attachments, the borrower simply logs in and completes funding - all within the platform they trust.

But Checkout also incorporates the checks and balances that lenders rely on to reduce fraud. The Lendflow platform natively integrates with phone providers like RingCentral and Twilio so teams can record and store Funding Calls directly within the platform if they choose to do so. Because Checkout lives within Lendflow’s Borrower Platform, all information is kept secured as validated through our SOC II Type II certification.

By removing over 50% of traditionally manual touch points, Checkout reduces both the time and costs while building confidence at a critical moment for the borrower.

‍

Driving Real ROI Through a Better Closing Process

Checkout is more than a workflow tool. By eliminating drop-off, reducing administrative overhead, and accelerating time-to-fund, lenders see immediate, measurable returns.

Closing should never be the reason a deal is lost. With Checkout, it becomes one of the strongest parts of your funnel.

‍