Documents

A Document in the Prime platform represents a legal agreement required in the lending process, appearing at two distinct phases. The first phase includes standard user acceptance agreements that are accepted when creating an Application. These agreements include Credit Pull Consent, E-SIGN Consent, and Bank Account Consent. The second phase consists of loan-specific documents that are dynamically generated after a Loan Offer is selected and which explicit electronic signatures.

User acceptance agreements are considered accepted as part of the Application creation and do not require separate signature actions. These agreements establish the basic terms of engagement including consent for credit checks, electronic signatures, and bank account connectivity. They are automatically generated and marked as accepted when a new Application is created.

A Partner primarily interacts with the second phase of documents—the loan-specific agreements—through Prime API. After selecting an Offer, newly generated documents specific to the chosen loan terms must be retrieved. These documents, such as loan agreements, require explicit signatures which the Partner must submit using the Application signatures endpoint only after the Borrower has explicitly consented to them. The API provides a checklist to know when all required signatures are completed. The ability to bulk-sign documents (instead of individual signatures) is available if the Partner’s user experience requires this. While initial consents are automatic, loan-specific documents must be explicitly signed before loan issuing can proceed.