Mockup index
Mockup — all screens
Every screen in the application, and what you can do on each one.
How to use this mockup: it's a clickable preview of the software, not the software itself. All names, loans and amounts are sample data. Buttons, tabs, menus and forms work so you can see each function: saving shows a confirmation message, but nothing is actually stored (except the drop-down values you add, which this browser remembers so you can see them appear on other screens). The calculators on the lead intake, quick quote, loan, renewal and discharge screens run live. Placeholders in [square brackets] are details we still need from you. Use the sidebar to move around, or the All screens button (bottom right) to come back here.
Updated to match the software as built
Since the first mockup, the build has grown. These areas are new or much bigger:
Configurable drop-downsEvery list can be extended from the form and managed in Settings → Lookup lists.
AccountingFull general ledger, financial statements, payables, operating bank and period close.
PortalsBorrower, investor and broker portals, and a staff queue for their requests.
Forms & e-signatureForm designer, website mortgage application, built-in e-signing and secure upload pages.
Appointments & automationBooking calendar, staff schedules and automation rules that create tasks and messages.
Inbox & AI InsightsShared email inbox with team collaboration, portal messages and AI-assisted follow-up.
Dual control on moneyA second person approves distributions, transfers, banking changes, bill payments, journals and sign-offs.
Data import & set-upFirst-run set-up wizard and importers for your existing book (with test run and roll back).
Every drop-down is configurable New
Every drop-down (property type, lead source, payment method, lost reason, document type and more than 60 other lists) comes from a company list that you control. Nothing is hard-coded.
- Add a value on the spot: open any drop-down in a form and choose ＋ Add new value…. The new value is saved to the company list, so everyone can pick it on every screen that uses that list.
- Pick-a-record drop-downs (a contact, lender, lawyer, broker, vendor, staff member) offer ＋ New contact… and similar, so you can quick-create the record without leaving the form.
- Manage every list in Settings → Lookup lists: rename, hide, re-order, set the default, delete values your team added, or create new lists for custom fields. Hidden values stay on old records, so history and reports aren't affected.
- Control who can add: an admin can switch off adding from forms. Staff then see ＋ Request a new value…; the request waits in Settings → Lookup lists for an admin to approve or decline.
- The small list icon beside a drop-down's label jumps straight to that list in Settings, and each list there shows where it is used, with links to those screens.
Try it here
Choose the last option in each list. Then open Property type in Settings to see your new value.
Everyday
Where staff start their dayDashboard
Portfolio at a glance.
“Finish setting up” banner · totals (active loans, principal, due in 7 days, maturing in 90 days) · NSF alert with “Send NSF notice” · payments due this week (PAD / cheque / issues) · lead pipeline and conversion · Needs attention (12 kinds: approvals, funding gaps, missing docs, KYC, collections, stale appraisals, missing insurance, unmatched bank items, portal requests, unread email and portal messages, new uploads) · accounting card (month-to-date income, expenses, net; operating cash; trust; GL health; close the month) · my tasks · maturing soon · recent activity.
Inbox
Shared email, portal messages and AI insights.
Email: consolidated, shared or personal mailboxes · “Needs you” folders (reply to clients, link to a client, from your team) · matched / unmatched to clients · star, flag with due date, snooze · assign to a client, share with a teammate · save attachments to the client's files · AI “Suggest a reply” and “Polish” · notes, @mentions and tasks on a message · compose with templates · folder rules. Portal messages: conversations with borrowers, investors and brokers; reply, resolve, reopen. AI Insights (add-on): most urgent emails, who's waiting on a reply, delivery problems.
Tasks, appointments & automation
Follow-ups, the calendar and the rules that create them.
My tasks (overdue / today / this week / later; push, snooze, reassign, priority, bulk actions) · team workload · reminders calendar (payments due, maturities, insurance and PPSA expiries, closings) · completed · appointments (week calendar, agenda, book for a client or guest, reschedule with notice, no-show, staff working hours and time off) · automation rules (trigger → conditions → tasks, email and SMS templates, assignee, due).
Portal requests New
Everything borrowers, investors and brokers ask for.
One queue (PR-####) for payout statements, renewal answers, PAD and banking changes, funding responses, deal submissions, uploads, profile changes and questions · filter by status, type and portal · each type has its own approval step (a banking change needs a second approver; a deal submission becomes a lead; a funding response records the commitment) · approve, reject with a note, mark completed, reply.
Notifications
Everything that needs your eyes.
By category (appointments, mentions & messages, client activity, system & usage, billing) · unread filter · open, mark read, delete, clear read.
My Security
Your own sign-in.
Default 2-step method (ask each time, email code, text code, authenticator app) · set up an authenticator app with a QR code · remove a device.
Origination
From first call to funded dealContacts
CRM for everyone you deal with.
Type filters · search and sort · a contact can have several types · bulk email / SMS, add tag, merge duplicates, export · full new-contact form with CASL consent · import from a spreadsheet in 4 steps (upload, map columns, duplicates & consent, test run then import) · import history with roll back.
Contact profile
One person or company.
Relationships · at a glance · portal access (invite to borrower / investor / broker portal, resend, disable, copy link) · consent & SMS opt-out · custom fields · lender profile · deals & leads · full email / SMS / call history · documents and document requests · notes, tasks · KYC / FINTRAC record · vCard, merge, archive.
Leads pipeline
Did it convert or fail, and why?
Board or list · drag between stages with a “skip stages?” warning (lists skipped stages, missing documents and open conditions) · a lead becomes a deal only by recording the commitment fee · cards tagged from the broker portal and the website form · conversion rate, days to deal, lost reasons, conversion by source · lost leads with reopen.
New lead intake
Preliminary information form.
Source · borrowers (find an existing contact; individual or company) and co-borrowers · guarantors with limited guarantee · primary property (value source, LTV as %, $ or manual, property tax, existing mortgages — only those ranking ahead count toward combined LTV) · loan terms, fees, penalty, interest handling, payment collection, holdbacks & reserves · collateral · lawyers · commitment fee and target closing · live summary and rate-sheet check (within guidelines / below sheet / outside guidelines).
Lead file
Work a lead through to a deal.
Stage bar and next step · all preliminary info and calculations · properties & collateral · document checklist with a status per item · commitment conditions (apply a condition set by property / borrower type, add one-off conditions, received / satisfied / waive with reason) · request documents, secure upload link · send to underwriting (rate-exception and approval-limit warnings) · generate the commitment letter (locked until approved) and send the commitment for e-signature (tracked in Documents → E-Sign) · record the commitment fee → convert to deal · lawyer instructions & funds flow · reassign, mark lost. Use the demo switcher at the top to see each stage.
Quick Quote
Quote a caller in 30 seconds.
Caller details · property type, 1st / 2nd / 3rd position · amount in $ or LTV % · balances ranking ahead · live pricing from the company rate sheet with override · save, print / PDF, email the quote · save as lead · recent quotes with outcome.
Underwriting & Approval
Credit decision before any commitment goes out.
Approval queue (in review, awaiting docs, ready, credit committee, decided) with rush flag and approver needed · credit report, income & employment, KYC status · appraisal, comparables, stress check · exit strategy · live A–D scorecard · conditions · auto-drafted approval memo · approve / approve with conditions / request info / decline · status actions (awaiting docs, submit for approval, credit committee, reassign) in the More menu · conditions tracked as outstanding / received / satisfied / waived · approval limits by role and credit committee · concentration-limit warning · decision history.
Deal Funding
Line up lenders for each approved deal.
Deals with a funding gap / fully committed / closing · offer a deal to lenders (allocation rule, deadline, hide borrower identity, deal sheet) · investor-portal responses · record commitments (full or partial interest to the lender) · funds received in trust, reverse a receipt · Form 1 disclosures and KYC per lender · lawyer instructions · release funds to the lawyer (blocked until everything is ready) · mark funded · each lender row's actions depend on that lender's status (offered, committed, declined, withdrawn).
Deals / Loans
Every loan in one list.
Status tabs (active, renewal due, in arrears, NSF, funding in progress, discharged) · filters (position, lender, broker, maturity 30 / 60 / 90, payment method) · funding date and missing-docs flags · export to Excel / CSV / PDF · bulk statements, reminders, letters, reassign servicing owner.
Loan file
Everything about one mortgage, in tabs. A deal that is not funded yet opens in a “not funded yet” view (funding progress, no ledger until funds are released).
Header actions: collections case, send statement, start renewal, payout / discharge statement, record payment, and a More menu with every mid-loan change: rate / frequency / payment date / principal adjustment (live calculator), change payment method, add a charge (spread over payments), record NSF, replace a lender, edit lender terms (partial interest, sub-investors, referral and management fees), additional advance / draw (by milestone, pro-rata or new lender), principal paydown (penalty calculated / waived / custom, collateral release), defer or capitalize interest, put on hold, mark in default / power of sale. Tabs: terms, fees, holdbacks & reserves and funds held in trust (pay broker fee, release holdback) · borrowers & guarantors with portal status · properties · payments and the append-only ledger (corrections are reversing entries, never edits) · PAD details · lenders' split and distribution history · documents and letters · renewal history · notes (pin), activity log and tasks.
Servicing
After fundingPayments
Billing, PAD and collections of payments.
Payments due (weekend and holiday debits roll to the next business day) · record single or batch payments · PAD batches: create, download the bank file (CPA-005), mark submitted, record settlement and returns, import a return file · received payments with receipts · NSF: aging, letters, re-present, catch-up, waive the fee (as a reversing entry) · post-dated cheque register · billing runs, statements and aged receivables.
Collections & Enforcement
A set path for missed payments.
Cases by stage (reminder → arrears letter → demand → Notice of Sale / power of sale → recovered) · open a case: letters, payment arrangements with a schedule, contact log with promise to pay, legal costs, refer to lawyer, hold lender distributions, close with outcome · workflow settings: days, action, template and assignee for each step.
Renewals
Maturing loans at 30 / 60 / 90 days.
What's maturing and its renewal status · start a renewal, send / resend offer, mark accepted, mark not renewing (goes to Discharges) · renewal history with fee treatment and outcome.
Renewal record
Each renewal gets its own page.
Every stage (terms prepared → renewed; not renewing; cancelled) · proposed terms with live calculator and 5 fee treatments · updated value / LTV · conditions · lender consent · offer letter, agreement and e-sign · “complete renewal” stays locked until the checklist is done.
Discharges / payouts
Pay a loan off.
Payout requests (incl. those from the borrower portal) · statement editor with live per diem, arrears, fees and credits · letterhead preview and versions · email to lawyer · distribution on payout · record payout (full, partial, collateral release; shortfall left owing or written off) · mark discharge registered.
Property Monitoring
Protect the security.
Appraisals (order, record with live LTV) · property tax (demand proof — the row shows Proof due while a request is out — verify, annual verification campaign) · insurance (record certificate, request renewal or endorsement with an upload link) · title sub-searches and PPSA registrations.
Capital & Money
Your lenders / investors and the trust accountLenders / Investors
Who funds which deal.
Capital committed / deployed / available · banking changes waiting for a second approver · funding gaps and held distributions · distribution runs (prepared by one person, approved and paid by another; print cheques or bank file) · distribution settings · T5 slips (draft, export, issue).
Lender detail
One lender.
Deals funded · offer a new deal · sub-investors and referral fees · distributions (scheduled / paid / held) · statements and tax slips · Form 1 disclosures · banking (masked, reveal is logged, changes need a second approver) · investor portal access · notes.
Trust & Reconciliation
Every dollar in and out, reconciled.
Import bank statement → auto / suggested / unmatched · match or split, create or ignore · trust ledger per lender and per loan, reversals with a reason · transfers of earned funds to operating (maximum allowed, second-person approval) · monthly 3-way reconciliation with sign-off by a named person · accounting export.
Accounting New
The company's own books: general ledger, payables and closeFinancial statements
P&L, balance sheet, trial balance, cash flow.
Any period, accrual or cash basis, compare with prior period / last year / 12-month trend · balance sheet for company, trust or combined · click any figure → the lines behind it → the journal · Excel / PDF / print.
General ledger
Every posting, automatic or manual.
GL start date and opening balances · automatic posting from loans, payments, trust and distributions (catch-up) · journals list and account ledger · journal detail (who prepared / approved, reversals) · manual journals with live balance check and approval by someone else · corrections by reversal only.
Chart of accounts
Accounts by type.
Grouped with totals · trust, system and inactive tags · sub-accounts · add / edit / deactivate (system accounts and accounts with postings are protected).
Payables
Bills, vendors and payments.
Open, overdue, due soon, awaiting approval · new bill (account lines, duplicate-invoice check) and quick expense · payments over the threshold need a second approver · aging · vendor page (bills, payments, statement) · bill page (invoice, lines, pay, edit by reversal, void).
Operating bank
Reconcile the company's own bank account.
Import statement, auto-match · match, split, create journal, ignore · items in the books but not on the statement · monthly reconciliation, completed by one person and signed off by another · history with PDFs.
Period close
Lock the month; hand off to the accountant.
Pre-close checklist per month with fix links · close / reopen with a reason · year-end close to retained earnings · GL health (26 checks) · accountant's export (journal summary with account-code mapping, QuickBooks / Xero layouts).
Compliance & Insight
Stay compliant and see risk earlyFINTRAC / KYC
Anti-money-laundering program.
Identity verification (method, encrypted document number, third parties, PEP / HIO) · corporate beneficial ownership · screening log and runs · client risk scoring · report drafts and filings (LCTR, STR, terrorist property) · restricted records · compliance program: officer, policies with versions, training, effectiveness review.
Portfolio Risk
Where the exposure sits.
Exposure by region, lender, LTV band, position and property type · maturity ladder · arrears · filters (as of, lender, position, property type) · concentration limits with a warning when one is exceeded · edit city → region mapping · watchlist · export or email monthly.
Reports
38 reports, plus your own.
Library of every report (portfolio, servicing, leads, lenders, trust, tax, team performance and the general-ledger reports) · filters · Excel / PDF / print · scheduled email (pause, resume, run now) · custom report builder (columns, filters, grouping, totals, chart) · saved reports.
Workspace
Files, forms and set-upDocuments & E-Sign
All files, templates and signatures.
Library across loans (by type, flagged, archived; bulk download, email, change type; version history) · missing documents · 33 letter templates with merge fields, preview and versions · generate one or batch generate for many loans · expiring items with automatic reminders · client uploads (review, approve, reject with a reason; upload links and their status) · files by client and folder, share with the client's portal, OneDrive / Google Drive · e-signature: send wizard (documents, signers and order, click-to-place fields, reminders, email code), track, remind, void, download signed.
Forms New
Your own online forms, including the mortgage application.
Responses (needs review, overdue, unlinked; copy new answers onto the client record) · form library (published / draft / on your website / lead intake) · form designer with 16 question types, show-if rules and preview · send a form to one client or many.
Settings
Setting up the system.
Company & letterhead · lookup lists · users, roles, permissions and approval limits · fees, penalties and interest defaults · rate sheet with versions · pipeline stages, loan statuses, condition sets, risk scorecard · custom fields · email / SMS, Microsoft 365, automated messages · email templates and signatures · appointments and staff schedule · e-signature · portals · PAD · accounting (GL start, approvals, opening balances) · integrations · storage and upload page · data import · security, audit log and privacy (PIPEDA) · menu · subscription & usage · AI assistant add-on (credits, scheduled agents, folder rules) · later phases.
First-run set-up
Getting started wizard.
Firm details → lending defaults → invite your team · skip any step · links to the rest of set-up.
What's new
Release notes.
What changed in each version, with full notes.
Sign-in
Secure login for staff.
Email + password · forgot password · 2-step code by authenticator app, email or text · trust this computer for 12 hours · account set-up from an invitation.
Portals & client-facing pages New
What borrowers, investors, brokers and the public see — branded as [Lender Name]Portal sign-in
One sign-in for all three portals.
Email code or password (code still required) · invitation email and activation · expired link, access ended · welcome message and support contacts.
Borrower portal
Borrowers see their own loans.
Home · my loans (terms, payments, statements, renewal offer accept / decline, payout statement request, change PAD bank account with a code check, upload insurance or tax bill) · documents · messages · requests · signatures · forms and document requests · profile.
Investor portal
Lenders see their positions (no borrower names).
Capital deployed, average rate, interest paid, next distribution · positions and position detail · deal offers (accept, different amount, decline; sign Form 1) · distributions, statements and T5 slips · renewal answers · banking change (a second person at [Lender Name] approves) · documents, messages, requests, profile.
Broker portal
Brokers submit and track deals.
Deals in progress / funded / lost · deal progress, outstanding conditions and uploads · submit a deal (5-step wizard, arrives as a lead) · broker and referral fee payments · documents, messages, requests, signatures, profile.
Website mortgage application
The public form on your website.
Name and email → email code → application in sections (with show-if questions) → review → sent. Arrives as a lead tagged “Website intake form”. The applicant can reopen what you sent, and a form sent back to you for changes can be corrected and re-sent.
Secure upload page
What a borrower sees from an upload link.
Required documents with progress · extra files and a note · done, expired and disabled link states · the public website upload page.
E-signature signing page
What a signer sees.
Email code check · guided signing with field counter · adopt a signature (type, draw, upload) · decline with a reason · several-document envelopes · done, all documents signed, waiting, declined and expired states.
Not included (as agreed)
- Broker software integrations (Lendesk, Filogix, Doorr, Finmo, Velocity)
- HubSpot and other outside CRM connections (the CRM is built in)
- Tax withholding for foreign investors
- Escalating-rate loans. (Interest-only and principal & interest loans are both supported.)
- A-B (tranche) loans: lenders share each loan pro-rata.
- Fund management / MIC: out of scope; quoted separately if ever needed.
- Credit cards for borrower payments: PAD, cheques, e-transfer and wires cover it.
- Mobile app: the web app works on tablets and phones instead.
Later phases and items to confirm
- Live connections to QuickBooks / Xero and a direct PAD processor: later phase. Today the app exports files (bank file for PAD, CSV / journal export for the accountant).
- Credit bureau lookups (Equifax / TransUnion): later phase; scores are entered in Underwriting.
- T5 e-filing: slips are produced; electronic filing is a later phase.
- Variable rate: rates are changed by hand from an effective date (Loan → Mid-loan adjustment → Interest rate change); automatic prime-linked resets are a later phase.
- Automated PEP / sanctions screening provider: later phase; screening is recorded in FINTRAC / KYC today.
- FSRA Forms 9 and 10: placeholder layouts until your compliance officer confirms them.
- To confirm with you: what “lender deposit” means for you, the content of lawyer instructions / distribution calculation, and capitalized interest as a schedule option.
- Hosting & privacy: hosted in Canada, encrypted, with PIPEDA retention settings.
- FSRA forms and letter wording: templates are included; your licensed principal broker approves the wording. We don't write legal text.
- Trust-account rules and HST treatment: wording marked “Compliance / accountant to confirm” needs your sign-off.