Borrower Platform

The Borrower Platform is the applicant-facing portal that Lendflow hosts. After applicants start an application, they can open the Borrower Platform to follow the application’s progress and status, see their funding advisor’s contact information, upload documents, review offers, and complete checkout. This guide explains how to design that experience: templates (welcome page, tabs, footer) and workflow-level stage copy. A custom template is not required. If no custom template exists, a default Borrower Platform template is used. To generate a Borrower Platform link or embed snippet, go to Embed The Borrower Platform Into Your Product. To log applicants in from your own product with a JWT, go to Authenticate Users Against The Borrower Platform. Applicants can open the Borrower Platform in these ways:

How they arrive	What they do
Email login	The applicant enters the email on the welcome page. If an application exists for that email, they receive an authentication email with a verification code and a secure link. They click the link, or they enter the code on the Borrower Platform page.
Embed or deal link	You generate a link or snippet in Lendflow. Some of those links identify the applicant from the deal and can skip the login step. Follow Embed The Borrower Platform Into Your Product.
JWT from your product	Your product requests a JWT and passes it when the Borrower Platform launches. Follow Authenticate Users Against The Borrower Platform.

Branding for the portal and for Borrower Platform emails is selected on the Integrations tab in the left-side menu, then Borrower Platform. Create those brands in the Customize tab in the left-side menu. If you select None, Lendflow branding is used.

Create a Borrower Platform template

A custom template is optional. Create one when you want to change the welcome page, the tabs applicants see after they log in, or the footer. You can attach the same template to more than one workflow. If you do not create a custom template, the default Borrower Platform template is used.

Log in to Lendflow. In the left-side menu, open the Builders tab, then open Borrower Platform.
Click New Template.
Enter a Template Name and Description, then click Create. The template editor opens.

The editor has three sections: Welcome Page, Tabs, and Footer. The right side of the page previews the section you are editing.

Welcome Page

Welcome Page Type is either Login or AI Agent.

Type	What applicants see
Login	Only the login modal.
AI Agent	An AI chat on the welcome page so applicants can start an application or get guidance before they log in.

If you select AI Agent, you can set:

Setting	What it does
AI Agent	Which AI agent applicants chat with. The dropdown lists AI agents available to your organization.
Show Header	If enabled, a header appears using your organization branding.
Login Button	If enabled, applicants who already have an application see a Login button.
Title	Title for the chat box.
Welcome message	First message in the chat box.

Tabs

Tabs are what applicants see after they log in. A new template includes a Welcome Page set to Login, a Workflow tab named Business Loans that is marked as the fallback tab, plus Documents and Profile tabs. You can add, edit, or delete tabs. To add a tab, click the + control under the existing tabs, then set Tab Name, Choose Tab Type, and Select Tab Icon.

Tab type	What it is for
Custom	Content that is not tied to a workflow template. Use it for non-loan products or marketing inside the Borrower Platform. Add blocks: Illustration, Image, Text, Button, and Tiles. Tiles can use a two-per-line or one-per-line layout, an illustration or image, header size, and a redirect link or button. The right side of the editor previews the tab.
Workflow	A loan tab whose stage copy comes from Workflow Builder Borrower Platform customization. Select a workflow template to load that setup into this tab, or turn on Fallback tab so this tab appears for deals that do not match any other Workflow tab.
Profile	Applicant profile information. You can add only one Profile tab.
Documents	Required documents. Applicants can view, upload, and edit them. You can add only one Documents tab.
FAQ	Frequently asked questions for the application process.
Logout	Logs the applicant out and returns them to the welcome page. You can add only one Logout tab.

Workflow tab: workflow template and Fallback tab

Open Footer and turn on Enable the Footer if you want a footer on the Borrower Platform. Edit the footer copy in that section, then save the template.

Attach a template

Create the template first. Then choose where it is used.

Deal-level link

Open the deal from the Deals tab in the left-side menu. Open the Application Links tab, then generate a Borrower Platform link. Select Borrower Platform Template (and a tab, if the dropdown appears). The link is for that deal only. For access to all of an applicant’s deals, copy the link from the Integrations tab in the left-side menu, then Borrower Platform.

Borrower Platform Template on a deal link

Embed and shared link

In the left-side menu, open the Integrations tab, then open Borrower Platform. Under Set Borrower Platform Template, select the template. The generated Borrower Platform link and integration script use that template.

Set Borrower Platform Template on Integrations

Workflow default

Open the workflow template (see Customize stages on a workflow). Turn on Use Custom Borrower Platform Template, then select Select Default BP Template. If a deal-level Borrower Platform link is generated without a template selected, this default is used.

Select Default BP Template on a workflow

Customize stages on a workflow

Stage names, tooltips, deal-state copy, and which workflow stages appear as one Borrower Platform stage are set on the workflow template, not on the Borrower Platform template list.

Log in to Lendflow. In the left-side menu, open the Builders tab, then open Workflow.
Open the workflow template you want applicants to see.
In the view switcher at the top of the template, click the Borrower Platform icon.

Turn on Use Custom Borrower Platform Template. If this toggle is off, applicants see the default Borrower Platform values for this workflow, not your custom copy or joined stages.
Optionally select Select Default BP Template so deal-level links can use that template when none is selected.
Edit the stages, then click Save Template.

The left side of this view is the editor. As you edit, the right side shows Borrower Platform Preview, which is the live preview of the stages applicants see.

Control	What it does
Stage matching	Each Borrower Platform stage starts matched to a workflow stage. You cannot rematch a Borrower Platform stage to a different workflow stage.
Join stages	Hover between adjacent Borrower Platform stages and click the join icon so one Borrower Platform stage covers two or more workflow stages. To split them again, click the split icon on the joined stage.
Stage Name and Stage Tooltip	Copy applicants see for the stage. The tooltip is the ‘i’ information on that stage.
Mask Funder Details	If enabled, funder name, icon, and description are hidden on the offer on the Borrower Platform.
Enable AI Chatbot	If enabled, the chatbot is available to the applicant on all pages of the Borrower Platform. Select an AI Agent when the dropdown is available.
Enable Checkout	If enabled, checkout is displayed on the Borrower Platform. Add a closing stage before you can turn this on. Configure checkout per funder in Workflow Builder at the Offer stage, and create checkout templates in Online Checkout.
Deal State	Each Borrower Platform stage has states that change when a threshold is reached. Joined stages also join their states. Select a state, then edit State Title and the state description.
Button	If enabled, applicants see a button for that state. Set the button text and Redirect Type: a specific URL, or a Resume Application widget.

Deal states by stage:

Borrower Platform stage	States
Application	Application Incomplete (the application is incomplete); Application Complete (signed consent and bank statements received); Dead
Underwriting	Underwriting; Dead
Scorecards	Scorecards; Dead
Placement	No Placements; Placement Submitted (one or more placements have been made); Dead
Offer	No Offers; Offer Received; Offer Accepted; Dead
Closing	Offer Stips Incomplete; Offer Stips Complete; Dead. Checkout, when enabled, is configured in Workflow Builder at the Offer stage rather than with state copy here.
Funded	Funded; Dead

FAQ

Where do I preview what applicants will see?

Preview on the right side of the template editor (Builders tab in the left-side menu, then Borrower Platform, then open a template). Preview stages on the right side of the workflow’s Borrower Platform view (Builders tab in the left-side menu, then Workflow, open the template, then the Borrower Platform icon).

I created a template. Why do applicants still see the default Borrower Platform?

Creating a template does not apply it by itself. Choose the place that matches how applicants open the Borrower Platform, then select the template there:

Shared link or embed. In the left-side menu, open the Integrations tab, then open Borrower Platform, and select the template under Set Borrower Platform Template.
One deal. Open the deal from the Deals tab in the left-side menu, open the Application Links tab, generate a Borrower Platform link, and select Borrower Platform Template.
Workflow default. In the left-side menu, open the Builders tab, then open Workflow, open the workflow template, and click the Borrower Platform icon. Turn on Use Custom Borrower Platform Template, select Select Default BP Template, and click Save Template. That default is used when a deal-level link is generated without a template selected.

What is the difference between a Borrower Platform template and Workflow Builder customization?

The template is the shell: welcome page, tabs, and footer. Workflow Builder Borrower Platform customization is the deal progress inside a Workflow tab: stage names, joined stages, deal-state copy, funder masking, chatbot, and checkout.

Do applicants always have to enter an email code?

No. Email login is the default when they open the welcome page themselves. A deal-level Borrower Platform link, a widget redirect to the Borrower Platform, or a JWT from your product can identify the applicant without that step. See Embed The Borrower Platform Into Your Product and Authenticate Users Against The Borrower Platform.

Next steps

Embed The Borrower Platform Into Your Product

In the left-side menu, open the Integrations tab, then open Borrower Platform, and add the link or script to your website.

Authenticate Users Against The Borrower Platform

Generate a JWT from your product and pass it when the Borrower Platform launches.

Online Checkout

Configure the checkout process applicants complete on the Borrower Platform.