Lightning Docs Solutions
Every loan is different and every deal has its own nuances — but the packages tend to be the same on the surface. Lightning Docs delivers the standard loan packages but with specialized solutions that keep your transactions moving, your compliance airtight, and your clients confident.
Fast, Compliant, and Built for Growth
Our Solutions
Residential Transition Loans (RTL)
Need to fund a project quickly?
With Lightning Docs, you can generate complete loan documents for RTL/fix-and-flip transactions in minutes. Users can easily incorporate:
- Common construction holdback language
- Interest reserves
- Personal guaranties
- Comprehensive business purpose language/non-owner occupancy language
- Cross-collateralization
- Extension Options
- And a whole host of other features with just a few clicks.
Why it matters: Time is critical in competitive real estate markets. Manual preparation slows down closings and risks costly errors. Originators no longer need to rely on third-party legal vendors and can completely own the closing process providing a best-in-class customer service experience.
We make RTL lending seamless so you can fund deals and move on to the next opportunity with confidence.
DSCR Loan Documents
Want to streamline your term rental (Debt Service Coverage Ratio or DSCR) loan closings with fast, compliant, and standardized DSCR loan documents?
Unlike RTL (rehab-to-rent or fix-and-flip) loans—which are short-term, typically 6–24 months—DSCR loans are long-term (usually 30 years) and secured by income-producing rental properties.
DSCR stands for Debt Service Coverage Ratio, a key metric lenders use to evaluate how well a property’s rental income covers its debt payments. It compares the property’s monthly revenue to the borrower’s monthly loan obligation, and many lenders require borrowers to maintain a minimum DSCR throughout the life of the loan.
Lightning Docs automates the creation of 30-year term DSCR loan packages for private lenders, providing accurate, compliant business-purpose loan documents in minutes.
Each DSCR package is built for investor rental properties and includes:
- Impounds
- Easy cross-collateralization, including partial releases
- Personal and corporate guaranties (including “Bad Acts”)
- Adjustable and fixed rates across all major indices
- Partial interest-only, fully amortizing, and flexible amortization options
- Extensive prepayment penalty flexibility
- MERS capabilities
- And all other features expected by capital markets and secondary buyers.
Why it matters: DSCR loans are fueling growth in private lending, helping originators expand beyond short-term bridge and RTL products. But creating compliant, capital-market-ready DSCR loan documents can be time-consuming and costly without the right tools.
With Lightning Docs’ loan document automation software for lenders, you can generate consistent, approved DSCR documents that meet the standards of all major Non-QM buyers and warehouse lines—eliminating costly legal reviews, delays, and uncertainty when selling loans into the secondary market.
We make DSCR loan closings seamless—fast, compliant, and consistent—so private lenders can scale confidently while giving borrowers a smoother experience.
Commercial Real Estate Loan Documents
Handling complex multifamily and other CRE deals?
Lightning Docs produces comprehensive loan documents for a wide range of commercial property transactions. From multi-tenant retail to office and industrial, your documents are ready in minutes — no matter the scale.
Sample features:
- SNDAs (Subordination, Non-Disturbance, and Attornment Agreements)
- Tenant Estoppels
- Equity Pledge (Mezzanine)
- Bad Acts Guarantees and all other recourse options
- UCCs
- Rental Lockboxes (Hard, Soft, and Springing)
- SPE/SPV Restrictions
- Complex Multi-Layered Entity Structures
Why it matters: Commercial loan documents involve multiple stakeholders, and tenant-related documents are critical. SNDAs and estoppels protect your priority as a lender, prevent disputes, and ensure tenants can continue operating even if ownership changes. Without them, both you and your borrower face unnecessary risk.
We make commercial loan documentation seamless — fast, compliant, and attorney-grade — with tenant protections built right in. That means a smoother process, stronger collateral, and more security for you and your borrowers.
Construction Loan Documents
Working on a deal with a construction holdback?
Lightning Docs can produce a wide variety of construction loan packages, with a large number of optional features that can be included. From a straight-forward fix-and-flip to a complex ground-up construction loan, Lightning Docs can help you document and fund your loan within minutes!
Construction features include:
- 3rd-Party Assignment of Construction Contracts
- 3rd-Party Assignment of Design Contracts (Architectural Plans)
- Construction Completion Schedules
- Construction Reserves
- Inclusion of Draw Fees
- Allowing for Dutch/Non-Dutch Interest
- Use of Funds Control Agents
- Inspection Fees
- Retainage Requirements
- Standalone Recordable Assignments of Plans and Permits
- 360/Actual, 365 Actual, and 30/360 interest calculations
- Release Prices to Facilitate Lot Sales
Why it matters: Construction loans oftentimes have multiple parties involved, including contractors, design professionals, etc. Because they have so many moving parts, it is critical to document your transaction in ways that will protect you in an event of default. Our construction loan documents contain specific provisions for draw requirements, completion of work, and will allow you to assign any preexisting contracts from the borrower to the lender. This helps ensure that if your borrower defaults under the loan terms, the work on the property will still be finished through completion.
With Lightning Docs, what used to be a long, frustrating, and risky process can now be done in minutes with peace of mind.
Loan Extensions and Modifications
Need to adjust the terms of an existing loan?
With Lightning Docs, you can instantly extend a maturity date or modify loan terms without recreating the entire package. In just minutes, your updated documents are ready to sign.
A loan modification can be used to:
- Extend the loan’s maturity date
- Increase or decrease the interest rate
- Increase or decrease the loan’s principal balance
Why it matters: Borrowers often need flexibility — whether it’s more time to repay, better terms, or access to additional capital. Manually producing extensions and modifications can be slow, complex, and prone to risk.
We make updates seamless — fast, compliant, and virtually effortless. Lenders save hours of document preparation while maintaining airtight, attorney-grade documentation that adapts to borrower needs.
What our clients say.
“Lightning Docs has been a game-changer for our operation! It’s incredibly easy to use, always up to date with the latest compliance regulations, and flexible enough to support our creative capital products seamlessly.”
Cory Peterson
“We have been using Lightning Docs since 2021 and it has really made a significant impact on our loan closing process.”
Shawna Phelan
“One of the things I appreciate about Lightning Docs is their amazing customer service. Whether I’m requesting a change, or just asking for information, they respond quickly and thoroughly.”
