> ## 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.

# Create and Manage Loan Product Programs and Eligibility

> Build your product catalog with purpose, amount ranges, rate structures, terms, fees, and eligibility rules. Programs drive intake forms and decisioning automatically.

Loan programs are the product catalog at the heart of LoanOrigination.ca. Each program defines what you lend, to whom, on what terms, and with what documentation. When an applicant selects a program on the intake form, the system automatically surfaces the right fields, eligibility checks, and decisioning rules.

<Steps>
  <Step title="Open the Program Catalog">
    Go to **Origination > Programs** and click **New Program**. Enter the program name in English and French, select the funding source, and assign a program code for reporting.
  </Step>

  <Step title="Define Purpose and Amount Range">
    Choose the loan purpose category: working capital, equipment purchase, startup, housing, or custom. Set the minimum and maximum principal amount. The intake form enforces these bounds automatically.
  </Step>

  <Step title="Set Rate Structure and Term">
    Select fixed, variable, or tiered interest. For tiered rates, define the balance bands and corresponding rates. Enter the minimum and maximum term in months and the allowed payment frequency: monthly, biweekly, or quarterly.
  </Step>

  <Step title="Add Fees and Disbursement Rules">
    Configure application fees, administration fees, and late penalties as flat amounts or percentages. Choose whether fees are capitalized or collected upfront. Set the disbursement schedule: lump sum, milestone-based, or revolving.
  </Step>

  <Step title="Build Eligibility and Document Rules">
    Add eligibility criteria: applicant type, geography, industry code, or credit score minimum. Link the required documents (business plan, financial statements, guarantor agreement) so the intake checklist updates dynamically.
  </Step>

  <Step title="Link Decisioning and Publish">
    Attach the scorecard and workflow that apply to this program. Toggle the program to **Active** to make it available on the public intake portal and in officer-created files.
  </Step>
</Steps>

<CardGroup cols={2}>
  <Card title="Bilingual Product Names" icon="languages">
    Program names, descriptions, and required document labels display in English or French based on the applicant's language preference.
  </Card>

  <Card title="Dynamic Intake Forms" icon="form-input">
    The intake portal adapts fields, document requests, and help text to the selected program so applicants only see what is relevant.
  </Card>

  <Card title="Funding Source Tracking" icon="landmark">
    Each program is tied to a funding source for portfolio reporting, drawdown tracking, and compliance with program-specific covenants.
  </Card>

  <Card title="Version Control" icon="git-branch">
    Edit and save new versions of a program without disrupting in-flight applications. Activate the new version when ready.
  </Card>
</CardGroup>

<Note>
  Changes to amount ranges, rates, or eligibility on an active program do not retroactively affect files already in progress. Use version control to manage policy updates cleanly.
</Note>