The Challenge
This asset based lender was growing at 76% year over year. Their loan programs were competitive and real estate investors kept showing up. But the infrastructure behind the curtain told a different story.
When a new borrower wanted to know if they qualified, the process looked like this: fill out a PDF or web form, wait for a loan officer to manually pull the data into a spreadsheet, run pricing calculations across multiple programs, and call the borrower back with options. That cycle took anywhere from 48 hours to over a week depending on volume.
- Manual pricing calculations consuming 3–5 hours per loan officer per day
- No self-service option for borrowers to explore rates independently
- Loan officers re-keying property data across disconnected spreadsheets
- Term sheet generation required manual PDF creation for each deal
- Inability to scale without proportional headcount increases
The Solution
We built a self-service loan pricing portal that lets real estate investors walk through a guided application, get instant rate quotes across multiple loan programs, and receive a generated term sheet without waiting for a human to run the numbers.
The portal covers four financing paths: 30-Year Rental (DSCR), Bridge + Rehab, Ground Up Construction, and Stabilized Bridge. A seven-step form collects transaction details, property information, and borrower profile. The system pulls property data automatically using address autocomplete and a real estate data API.
At the final step, the pricing engine evaluates up to seven loan programs simultaneously, each returning multiple rate-and-point combinations. The borrower picks the program that fits and the system generates a PDF term sheet on the spot.
Behind the portal: a full borrower dashboard with real-time messaging, document upload and e-signature workflows, payment processing, and a visual pipeline tracker.
Deployment took 8 weeks from kickoff to production.
The Results
- 30-second pre-qualification — down from 48 hours to 7 days
- 7 loan programs priced instantly per application
- Loan officers reclaimed 60–70% of daily hours from data entry and admin
- 94% borrower satisfaction maintained through faster, not less personal, experience
- 76% year-over-year growth supported without proportional headcount increases
- Automated term sheet generation replaced 30–60 minute manual PDF creation
Who This Applies To
Real estate lending operations where loan officers spend the majority of their day on intake, pricing calculations, and term sheet generation instead of advising borrowers and closing deals. If your pre-qualification process takes more than a day, this addresses that directly.