Built for Every Type of Lender
From Private to Non-QM to Credit Unions — Lightning Docs Delivers the Right Tools for Every Workflow
Every lender operates differently — but all need accuracy, speed, and compliance.
Lightning Docs delivers powerful loan document automation for private lenders, Non-QM lenders, and credit unions, making it easy to generate compliant, attorney-grade business purpose loan documents, including DSCR, bridge, construction, and commercial loan packages — all in minutes.
Whether you’re a private lender scaling your bridge or construction programs, a Non-QM lender closing DSCR and term rental loans, or a credit union expanding into business-purpose lending, Lightning Docs provides one platform that adapts to your workflow and your growth.
For Private Lenders
Fast, Compliant, and Ready for Growth
Private lenders move fast — and so does Lightning Docs. Our platform was built by attorneys who understand private lending loan documents, so you can generate attorney-grade business purpose loan documents in minutes.
Why Private Lenders Choose Lightning Docs
- Nationwide compliance: 50-state coverage with automatic state-specific disclosures, notary blocks, and title instructions.
- Comprehensive loan types: Bridge, fix-and-flip, construction, DSCR, and commercial loan documents — all ready to go.
- Capital-market ready: Packages are pre-approved by major loan buyers and warehouse lines, reducing post-closing reviews and freeing up capital faster.
- Seamless integrations: Syncs directly with your LOS or CRM — no manual data entry, no double work.
Competitor Comparison
Feature
- Attorney-grade compliance
- Capital-market approved docs
- LOS/CRM automation
- Support response time
- Contracts
Lightning Docs
- Built by lending attorneys
- Yes
- Yes
- Under 30 minutes
- No long-term contract required
Competitors
- Template-based
- Manual review required
- Limited
- Hours to days
- Multi-year contracts / lock-ins
Case Study:
Renovo Financial
Renovo Financial launched in 2011, focused exclusively on the Chicago market. This local focus allowed them to create and maintain their own customized document packages using a mail merge process...
Case Study:
Diya Finance
Diya Finance entered the private lending space in Q4 2023 with bold goals: to scale operations rapidly and compete with the most established players in the industry. Focused on providing wholesale DSCR...
For Non-QM Lenders
Scale Confidently with Capital-Market-Ready DSCR Loan Documents
Non-QM lenders require precision and consistency to meet secondary market standards. Lightning Docs automates DSCR loan documents for private and institutional lenders — helping you generate compliant, capital-market-ready packages in minutes.
Why Non-QM Lenders Choose Lightning Docs:
- DSCR automation: Create complete, compliant DSCR loan packages instantly.
- Capital market compliance: Built to meet all major Non-QM buyer and warehouse line requirements.
- Customizable options: Adjustable and fixed rates, cross-collateralization, MERS, prepayment flexibility, and more.
- Faster closings: Integrated with your LOS for seamless data flow and instant document generation.
Competitor Comparison
Feature
- DSCR automation
- Secondary-market readiness
- Document flexibility*
- Turnaround speed
- Customer support
- Contracts
Lightning Docs
- Yes
- Approved by capital-market buyers
- Fully configurable
- Minutes
- U.S.-based, responsive
- No long-term contract required
Competitors
- Manual prep
- Requires legal review
- Limited templates
- Days
- Outsourced or slow
- Multi-year contracts / lock-ins
* Lightning Docs are built specifically for business-purpose loans, while competitors in the non-QM space are built for consumer loans leaving limitations like not being able to do loans to an LLC borrower.
Case Study:
Deephaven
Deephaven launched in 2012 as a pioneer in the non-QM lending space. In 2017, the company expanded into DSCR loans and immediately recognized the opportunity to...
For Credit Unions
Expand into Business Purpose Lending with Confidence
Credit unions are increasingly expanding into commercial and private lending — but documentation can be a challenge. Lightning Docs removes that barrier with multi-state loan documents that are fast, compliant, and customizable for every deal type.
Why Credit Unions Choose Lightning Docs:
- Expand lending capabilities: Offer fix-and-flip, DSCR, construction, and commercial loans with compliant, standardized docs.
- Integrate effortlessly: Lightning Docs plugs into your existing systems through API-based loan document automation.
- Stay compliant: Built-in guardrails and state-specific disclosures ensure nationwide accuracy.
- Reduce legal costs: Eliminate dependency on outside counsel for standard business purpose loan documents.
Lightning Docs offer credit unions an easy-to-learn, easy-to-use modern platform that has been developed and tested by attorneys.
Just because you’ve used an LOS for years, doesn’t mean it’s the best solution for your organization.
“Lightning Docs helped us enter business-purpose lending with confidence. We were able to close our first fix-and-flip deal in days instead of weeks — with airtight compliance from the start.”
Ready to See It in Action?
Lightning Docs helps every lender — from private to Non-QM to credit unions — generate private lending loan documents, DSCR loan documents, and commercial real estate loan documents in minutes.