# LoanOrigination.ca

- [LoanOrigination.ca: Canadian Loan Origination Platform](https://docs.loanorigination.ca/index.md): Cloud-based loan origination and management platform built for Canadian community lenders, credit unions, CFDCs, and Indigenous financial institutions.
- [Quickstart: Set up LoanOrigination.ca](https://docs.loanorigination.ca/quickstart.md): Configure your workspace, invite your team, define your first loan program, and take a borrower from application to funded in LoanOrigination.ca.
- [Platform Overview: Functional Layers](https://docs.loanorigination.ca/get-started/platform-overview.md): 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.
- [User Roles and Access Control](https://docs.loanorigination.ca/get-started/roles-and-access.md): Learn how LoanOrigination.ca manages user access through role-based controls, standard roles, custom roles, and enforced separation of duties for Canadian community lenders.
- [Origination Core Overview](https://docs.loanorigination.ca/origination/overview.md): Digital intake, document management, workflow automation, credit decisioning, and instant lending for Canadian community lenders using LoanOrigination.ca.
- [Borrower Application Intake Portal](https://docs.loanorigination.ca/origination/application-intake.md): Guide borrowers through digital loan applications with autosave, mobile access, document uploads, and real-time status tracking for Canadian community lenders.
- [No-Code Form Builder for Loan Programs](https://docs.loanorigination.ca/origination/form-builder.md): Build and manage digital loan application forms with conditional logic, field validation, versioning, and bilingual support for Canadian lending programs.
- [Central Loan Document Repository and OCR](https://docs.loanorigination.ca/origination/document-management.md): Store, version, and secure loan documents with OCR extraction, role-based access, audit logging, and automated retention for Canadian lenders.
- [Configure Automated Loan Approval Workflows and SLA Alerts](https://docs.loanorigination.ca/origination/workflow-automation.md): Build configurable approval chains with task assignments, SLA escalations, and automated reminders. Track pipeline bottlenecks and audit every status transition.
- [Automated Credit Decisioning with Equifax and TransUnion](https://docs.loanorigination.ca/origination/credit-decisioning.md): Run rules engine and scorecards against Equifax Canada and TransUnion bureau data. Evaluate DSR, credit bands, and employment tenure for recorded recommendations with full rationale.
- [Set Up Straight-Through Instant Lending and Auto-Disbursement](https://docs.loanorigination.ca/origination/instant-lending.md): Enable automatic approval and disbursement for low-risk applications that pass all rules. Configure amount thresholds, product scope, KYC requirements, and manual fallback routing.
- [Create and Manage Loan Product Programs and Eligibility](https://docs.loanorigination.ca/origination/loan-programs.md): Build your product catalog with purpose, amount ranges, rate structures, terms, fees, and eligibility rules. Programs drive intake forms and decisioning automatically.
- [Borrower Experience Overview](https://docs.loanorigination.ca/borrower/overview.md): LoanOrigination.ca offers a responsive web portal and native mobile app with a single data model, giving borrowers self-service access to applications, documents, status, and messaging.
- [Apply and Upload Documents](https://docs.loanorigination.ca/borrower/apply-and-upload.md): Submit loan applications with guided workflows, autosave, and cross-device resumption. Upload documents via drag and drop on web or camera capture on mobile with virus scanning and encryption.
- [Track Applications and View Statements](https://docs.loanorigination.ca/borrower/status-and-statements.md): Monitor loan application status through a milestone timeline and manage notification preferences. Access self-service balance, amortisation, payment history, and downloadable statements.
- [Communicate Securely with Your Lender](https://docs.loanorigination.ca/borrower/secure-messaging.md): Use in-platform messaging to communicate directly with loan officers and underwriters, respond to document requests, and keep a complete message history for every application.
- [Business Plan and Cash Flow Tools](https://docs.loanorigination.ca/borrower/business-planning-tools.md): Build guided business plans with templated outputs and structured cash flow projections that feed directly into the lender's underwriting file.
- [AI Application Assistant](https://docs.loanorigination.ca/borrower/ai-assistant.md): Get context-aware help with application questions, document requirements, and response structure from the built-in AI assistant. It explains fields in plain language and flags missing or inconsistent information.
- [Committee Governance Overview](https://docs.loanorigination.ca/committee/overview.md): Native committee governance in LoanOrigination.ca handles meetings, packages, voting, and audit without a separate board tool or per-member seat charge.
- [Schedule and Manage Committee Meetings in LoanOrigination.ca](https://docs.loanorigination.ca/committee/meetings.md): Schedule recurring or ad-hoc committee meetings, attach loan packages, send invites, track attendance, and record minutes with decisions logged directly to each file.
- [Assemble and Distribute Secure Committee Loan Packages](https://docs.loanorigination.ca/committee/packages-and-review.md): Officers assemble loan application packages and publish them securely to committee members with permission scoping, time-bound access, and inline commenting.
- [Configure Committee Voting Rules and Capture Decisions](https://docs.loanorigination.ca/committee/voting-and-decisions.md): Configure quorum and majority rules, manage conflict-of-interest recusal, and capture approve, decline, or defer votes that update loan status automatically.
- [Committee Audit Trail and Reporting for Lenders](https://docs.loanorigination.ca/committee/audit-and-reporting.md): Access complete committee audit trails on LoanOrigination.ca. Review every action, vote, and comment with timestamps, export decision registers, and generate conflict-of-interest reports for auditors and funders.
- [Relationship Management Overview](https://docs.loanorigination.ca/crm/overview.md): Track contacts, pipeline, referrals, outreach, renewals, and cases in LoanOrigination.ca with a unified 360 degree view of every borrower relationship.
- [Contacts and Entities: Unified Records for Borrowers and Partners](https://docs.loanorigination.ca/crm/contacts-and-entities.md): Manage unified contact records for borrowers, businesses, guarantors, and referral partners. Link related entities, attach to loan files, and capture bilingual preferences and custom fields.
- [Pipeline and Referrals: Track Prospects from Lead to Funded Loan](https://docs.loanorigination.ca/crm/pipeline-and-referrals.md): Manage your sales pipeline from first contact to funded loan. Track prospect stages, log lead sources, attribute funded loans back to referral partners, and review partner scorecards.
- [Outreach and Appointments: Log Calls, Emails, and Meetings](https://docs.loanorigination.ca/crm/outreach-and-appointments.md): Log calls, emails, and meetings against contacts and loan files. Schedule appointments with calendar sync, send bilingual messages from templates, and set follow-up tasks and reminders.
- [Track Loan Renewals, Top-Ups, and Post-Funding Cases](https://docs.loanorigination.ca/crm/renewals-and-cases.md): Manage renewals, top-ups, and post-funding cases in LoanOrigination.ca. Set automated renewal reminders, assign case owners, track statuses, and maintain full resolution notes for auditability.
- [Servicing and Portfolio Overview](https://docs.loanorigination.ca/servicing/overview.md): Disburse funds, generate schedules, process payments, manage arrears, modify loans, and analyze portfolio performance in LoanOrigination.ca.
- [Disburse Funds After Conditions Precedent Are Met](https://docs.loanorigination.ca/servicing/disbursement.md): Release loan funds in LoanOrigination.ca once all conditions precedent are satisfied. Confirm agreements, insurance, and security, then approve and book the disbursement.
- [Generate and Manage Amortized Repayment Schedules](https://docs.loanorigination.ca/servicing/repayment-schedules.md): LoanOrigination.ca generates amortized repayment schedules per program terms. Configure rate, frequency, term, and structure. Borrowers view schedules in the portal, and rescheduling flows support post-approval modifications.
- [Process Payments and Perform Daily Bank Reconciliation](https://docs.loanorigination.ca/servicing/payments-and-reconciliation.md): Record and reconcile loan payments on LoanOrigination.ca. Support PAD, EFT, cheque, and manual entry. Payments split across principal, interest, and fees. Exceptions are flagged, and daily reconciliation matches entries against your bank feed.
- [Manage Arrears Aging, Collections, and Write-Offs](https://docs.loanorigination.ca/servicing/arrears-and-collections.md): Track loan arrears by aging bucket on LoanOrigination.ca. Automate bilingual borrower reminders, manage collection cases, record promise-to-pay agreements, and process write-offs with committee approval and provisions reporting.
- [Process Loan Modifications and Schedule Updates](https://docs.loanorigination.ca/servicing/loan-modifications.md): Request post-funding loan modifications on LoanOrigination.ca. Defer payments, change rates or terms, restructure principal, or update guarantors. Each change requires approval, generates a new schedule, and preserves prior terms in the audit trail.
- [Portfolio Analytics Dashboards for Lenders](https://docs.loanorigination.ca/servicing/portfolio-analytics.md): Explore outstanding balances, aging, yield, and cash flow forecasts. Build configurable reports for your board and funders using LoanOrigination.ca portfolio dashboards.
- [Compliance and Reporting Overview](https://docs.loanorigination.ca/compliance/overview.md): LoanOrigination.ca compliance and reporting layer covers KYC, AML, funder impact reports, bilingual delivery, analytics, and a complete audit trail for Canadian community lenders.
- [KYC and Identity Verification](https://docs.loanorigination.ca/compliance/kyc-and-identity.md): Verify borrower identity in LoanOrigination.ca using document verification, dual process, credit file methods, and beneficial ownership checks aligned to Canadian requirements.
- [AML Program Support](https://docs.loanorigination.ca/compliance/aml-program.md): Manage AML risk ratings, PEP and sanctions screening, suspicious transaction workflows, large cash handling, and compliance dashboards in LoanOrigination.ca.
- [Funder Impact Reporting](https://docs.loanorigination.ca/compliance/funder-impact-reporting.md): Automate collection and reporting of jobs, demographics, sector, region, and investment outcomes for quarterly and annual funder reports in LoanOrigination.ca.
- [Reports and Analytics](https://docs.loanorigination.ca/compliance/reports-and-analytics.md): Access pre-built reports, build custom reports, and create analytics dashboards with trend analysis, forecasting, and executive templates in LoanOrigination.ca.
- [Bilingual English and French Delivery](https://docs.loanorigination.ca/compliance/bilingual-delivery.md): Switch LoanOrigination.ca between English and French at the user level, with bilingual notifications, documents, forms, and borrower-facing materials for Canadian lenders.
- [Audit Trail](https://docs.loanorigination.ca/compliance/audit-trail.md): Search, filter, and export an immutable timestamped record of every user action, data change, decision, and access event in LoanOrigination.ca for audit and regulatory review.
- [Canadian Community Lender Directory](https://docs.loanorigination.ca/directory/overview.md): Browse the LoanOrigination.ca directory of Community Futures organizations, credit unions, and Indigenous Financial Institutions serving borrowers across Canada.
- [Community Futures Organizations Directory](https://docs.loanorigination.ca/directory/community-futures.md): Find Community Futures Development Corporations across Canada in the LoanOrigination.ca directory, with regional coverage, loan programs, and contact details.
- [Canadian Credit Unions Directory](https://docs.loanorigination.ca/directory/credit-unions.md): Browse Canadian credit unions in the LoanOrigination.ca directory. Filter by province, member focus, and lending programs to find the right cooperative lender.
- [Indigenous Financial Institutions Directory](https://docs.loanorigination.ca/directory/indigenous-financial-institutions.md): Discover Indigenous Financial Institutions across Canada in the LoanOrigination.ca directory. IFIs provide developmental lending to First Nations, Metis, and Inuit.
- [Security and Platform Architecture](https://docs.loanorigination.ca/admin/security-and-architecture.md): Learn how LoanOrigination.ca protects your data with Canadian residency, encryption, RBAC, SOC 2 aligned controls, and resilient cloud architecture.
- [External Integrations](https://docs.loanorigination.ca/admin/integrations.md): Integrate LoanOrigination.ca with Canadian credit bureaus, identity services, banking data, payment providers, and accounting systems.
- [Subscription Plans and Optional Modules](https://docs.loanorigination.ca/admin/plans-and-modules.md): Compare LoanOrigination.ca subscription tiers and optional modules for Canadian community lenders, CFDCs, credit unions, and Indigenous financial institutions.
- [Publish Your Lender Profile in the Funding Directory](https://docs.loanorigination.ca/admin/lender-directory-listing.md): Set up and publish your public lender profile so borrowers can find you in the LoanOrigination.ca funding directory. Add details, limits, eligibility, and contact info.
- [Publish a Loan Program to the Funding Directory](https://docs.loanorigination.ca/admin/loan-program-listing.md): Publish a loan program so borrowers see it under your lender profile in the LoanOrigination.ca funding directory. Control visibility and manage borrower-facing details.
- [Implementation and Deliverables](https://docs.loanorigination.ca/admin/implementation.md): Plan your LoanOrigination.ca rollout with standard and premium implementation options, deliverables, responsibilities, and open configuration items.