Onramp

From first click to funded customer — one application, one review desk, one onboarding checklist.

An online credit application and onboarding platform for lenders: a branded, save-and-continue application for business owners, an internal review queue with automated checks, decision and offer tools with e-signature, and a post-approval onboarding checklist with funnel analytics.

applicants pick up on any device: Save & continue; applicants pick up on any device
ID, registry and bank statements on submit: Automated checks; ID, registry and bank statements on submit
generated from the approved terms: E-signed offers; generated from the approved terms

The brief

Equipment and business lenders were taking credit applications as fillable PDFs and email attachments. Analysts retyped details, chased missing bank statements by phone, ran identity and registry checks by hand, and lost track of who was working which file — while applicants had no idea where their application stood.

What we built

We built Onramp as two halves of one system. Applicants get a short, mobile-friendly application in the lender’s brand that saves after every step and collects ID, a void cheque and bank statements as it goes. On the inside, every submission runs its checks automatically and lands in a review queue with SLA timers. Analysts decide with recommended terms, generate the offer letter, send it for e-signature and hand the new customer to an onboarding checklist that sets them up in the ERP.

Branded application

A five-step application in the lender’s brand — business, owners, financials, documents, review and sign — with address lookup, inline validation and autosave.

Document collection

Owners snap their ID, void cheque and statements from a phone, with upload progress, verification states and a connect-your-bank alternative.

Review queue

New, in review, waiting on applicant and decided — with SLA timers that pause while the applicant owes something, risk bands and assigned reviewers.

Automated checks

Identity and selfie match, business registry match, bank statement analysis, NSF counts, bureau score and debt service coverage, ready when the file opens.

Decisions & offers

Approve, approve with conditions, counter or decline within each analyst’s limit; the offer letter is generated from the terms and sent for e-signature.