> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lendflow.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Borrower Platform

## 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](/lendflow-external/docs/embed-the-borrower-platform-into-your-landing-page). To log applicants in from your own product with a JWT, go to [Authenticate Users Against The Borrower Platform](/lendflow-external/docs/authenticate-users-against-the-borrower-platform).

## How applicants sign in

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](/lendflow-external/docs/embed-the-borrower-platform-into-your-landing-page). |
| JWT from your product | Your product requests a JWT and passes it when the Borrower Platform launches. Follow [Authenticate Users Against The Borrower Platform](/lendflow-external/docs/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.

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

<Frame>
  ![Borrower Platform template list](https://lendflow-documentation.s3.us-west-2.amazonaws.com/bpt-1.png)
</Frame>

<Frame>
  ![New Template modal](https://lendflow-documentation.s3.us-west-2.amazonaws.com/bpt-2.png)
</Frame>

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. |

<Frame>
  ![Welcome Page settings and preview](https://lendflow-documentation.s3.us-west-2.amazonaws.com/bpt-3.png)
</Frame>

### 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**.

<Frame>
  ![Tabs in the template editor](https://lendflow-documentation.s3.us-west-2.amazonaws.com/bpt-4.png)
</Frame>

| 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. |

<Frame>
  ![Choose Tab Type](https://lendflow-documentation.s3.us-west-2.amazonaws.com/bpt-5.png)
</Frame>

<Frame>
  ![Workflow tab: workflow template and Fallback tab](https://lendflow-documentation.s3.us-west-2.amazonaws.com/bpt-11.png)
</Frame>

### Footer

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**.

<Frame>
  ![Borrower Platform Template on a deal link](https://lendflow-documentation.s3.us-west-2.amazonaws.com/bpt-12.png)
</Frame>

### 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.

<Frame>
  ![Set Borrower Platform Template on Integrations](https://lendflow-documentation.s3.us-west-2.amazonaws.com/bpt-13.png)
</Frame>

### Workflow default

Open the workflow template (see [Customize stages on a workflow](#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.

<Frame>
  ![Select Default BP Template on a workflow](https://lendflow-documentation.s3.us-west-2.amazonaws.com/bpt-14.png)
</Frame>

## 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.

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

<Frame>
  <img src="https://mintcdn.com/lendflow-ph/D03fMJzyuz4WrdkF/images/0b78ae106abf0d22e9a9372228943051c9cbbd7c5ade323f52aeed937173148a-image.png?fit=max&auto=format&n=D03fMJzyuz4WrdkF&q=85&s=ed5ec88eb9c4941ce4678cc630d05521" alt="" width="2576" height="1454" data-path="images/0b78ae106abf0d22e9a9372228943051c9cbbd7c5ade323f52aeed937173148a-image.png" />
</Frame>

4. 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.
5. Optionally select **Select Default BP Template** so deal-level links can use that template when none is selected.
6. 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.

<Frame>
  <img src="https://mintcdn.com/lendflow-ph/D03fMJzyuz4WrdkF/images/249968938e8d1bc9f062a6f07550c8087f207dfb95127949292331def13cf62e-image.png?fit=max&auto=format&n=D03fMJzyuz4WrdkF&q=85&s=62d78c07c26af6dc820f314653472c9f" alt="" width="2584" height="1438" data-path="images/249968938e8d1bc9f062a6f07550c8087f207dfb95127949292331def13cf62e-image.png" />
</Frame>

| 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](/lendflow-external/docs/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. |

<Frame>
  <img src="https://mintcdn.com/lendflow-ph/D03fMJzyuz4WrdkF/images/829caf048a7019c84ba3ffc9396a86e66698925064a780d50188a07a65e4ca0d-image.png?fit=max&auto=format&n=D03fMJzyuz4WrdkF&q=85&s=6d51009ef533030d56c47521b3b7273f" alt="" width="862" height="186" data-path="images/829caf048a7019c84ba3ffc9396a86e66698925064a780d50188a07a65e4ca0d-image.png" />
</Frame>

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

<AccordionGroup>
  <Accordion title="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).
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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](/lendflow-external/docs/embed-the-borrower-platform-into-your-landing-page) and [Authenticate Users Against The Borrower Platform](/lendflow-external/docs/authenticate-users-against-the-borrower-platform).
  </Accordion>
</AccordionGroup>

## Next steps

<Card title="Embed The Borrower Platform Into Your Product" icon="browser" href="/lendflow-external/docs/embed-the-borrower-platform-into-your-landing-page" horizontal>
  In the left-side menu, open the Integrations tab, then open Borrower Platform, and add the link or script to your website.
</Card>

<Card title="Authenticate Users Against The Borrower Platform" icon="key" href="/lendflow-external/docs/authenticate-users-against-the-borrower-platform" horizontal>
  Generate a JWT from your product and pass it when the Borrower Platform launches.
</Card>

<Card title="Online Checkout" icon="credit-card" href="/lendflow-external/docs/online-checkout" horizontal>
  Configure the checkout process applicants complete on the Borrower Platform.
</Card>