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 financing for mortgage originators, Diya knew that achieving national reach would require the right infrastructure including a fast, reliable, and scalable solution for
generating loan documents.
The Challenge
As Diya set its sights on expanding into new states, it needed to do so without overextending its team or building an in-house legal department. The company needed a way to automate documentation while keeping their internal operations lean.
The Solution
After evaluating several providers, Diya selected Lightning Docs, drawn by its deep legal expertise (developed by Fortra Law), widespread industry adoption (used by over 50% of top 50 lenders), and seamless compatibility and acceptance by all capital market participants. The system’s ease of use and instant document generation delivered immediate benefits.
In May 2024, Diya leveraged Lightning Docs’ full API integration capabilities, connecting their loan origination system (LOS) directly to the platform. This enabled Diya to push data from their LOS into Lightning Docs and generate attorney-grade documentation within minutes—all without leaving the LOS. By eliminating duplicate data entry, the integration minimized errors and dramatically improved speed. With the API integration in place, Diya unlocked the next level of efficiency, scale, and speed.
“If the document generation process had been more manual, we would’ve needed to hire a lot more people. The efficiencies we gained through the integration—and through Lightning Docs overall—played a huge role in helping us scale quickly while avoiding the costs of significantly expanding our closing team.”
– Ryan Sailor, President of Diya Finance
The Results
From May through July 2024, Diya funded 33 loans. Over the same period in 2025—just one year after integrating Lightning Docs and their LOS—that number jumped to 222 loans totaling $141 million. That’s nearly a 7x increase in loan volume, without a proportional increase in staffing.
