> ## Documentation Index
> Fetch the complete documentation index at: https://docs.loanorigination.ca/llms.txt
> Use this file to discover all available pages before exploring further.

# Platform Overview: Functional Layers

> Explore the six functional layers of LoanOrigination.ca, a cloud-based platform that consolidates the full loan lifecycle for Canadian community lenders into a single system.

LoanOrigination.ca is a cloud-based, multi-tenant loan origination and management platform built for Canadian community lenders. It serves Community Futures Development Corporations, credit unions, Indigenous financial institutions, and other community lenders operating in Canada. The platform covers the complete loan lifecycle from intake and underwriting through disbursement, servicing, repayment, collections, and closure.

By consolidating functions that are typically spread across spreadsheets, shared drives, email, standalone board tools, and manual reporting, LoanOrigination.ca gives you a single auditable system of record.

## Operational problems the platform solves

LoanOrigination.ca addresses four recurring challenges that lenders face:

1. **Fragmented workflows across disconnected tools** — applications, documents, decisions, and communications are scattered across multiple systems.
2. **Manual, labour-intensive regulatory and funder reporting** — data must be gathered and formatted by hand for each reporting cycle.
3. **Absence of borrower self-service** — without a borrower portal, inbound calls and emails about status and statements consume staff time.
4. **Committee review processes conducted outside the system of record** — decisions made in external tools require manual re-entry back into the loan file.

## Six functional layers

The platform is organised into six functional layers. Each layer is native to the platform and works from a single shared data model.

| Layer                    | Function                                                                           |
| ------------------------ | ---------------------------------------------------------------------------------- |
| Borrower Experience      | Web portal and mobile application for applicants and active borrowers              |
| Origination Core         | Application intake, workflow, underwriting, decisioning, and document management   |
| Committee Governance     | Meeting management, package distribution, voting, minutes, and decision audit      |
| Relationship Management  | Contact and entity records, pipeline, referrals, outreach, and renewals            |
| Servicing and Portfolio  | Disbursement, repayment schedules, arrears, restructuring, and portfolio reporting |
| Compliance and Reporting | KYC/AML, funder impact reporting, bilingual delivery, analytics, and audit trail   |

<Note>
  All six layers are delivered natively by the platform. There is no separate subscription for committee functionality, and all borrower-facing tools are included from first release.
</Note>

## Explore each layer

<CardGroup cols={3}>
  <Card title="Origination Core" icon="file-plus" href="/origination/overview">
    Intake, underwriting, decisioning, and document management
  </Card>

  <Card title="Borrower Experience" icon="users" href="/borrower/overview">
    Portal and mobile app for applicants and borrowers
  </Card>

  <Card title="Committee Governance" icon="gavel" href="/committee/overview">
    Meetings, packages, voting, and audit
  </Card>

  <Card title="Relationship Management" icon="handshake" href="/crm/overview">
    Contacts, pipeline, referrals, and renewals
  </Card>

  <Card title="Servicing and Portfolio" icon="chart-pie" href="/servicing/overview">
    Disbursement, repayment, arrears, and analytics
  </Card>

  <Card title="Compliance and Reporting" icon="shield-check" href="/compliance/overview">
    KYC/AML, impact reporting, bilingual delivery, and audit
  </Card>
</CardGroup>