Inviting Your First Borrower

Once your branding is configured and you've created a loan file, you can send your borrower a secure link to their personalized portal. This page walks through the full invitation flow.

Prerequisites

Before sending an invitation, make sure you've completed:

• Branding setup — company name and reply-to email are required. See Setting Up Your Branding.
• A loan file — with the borrower's name and email entered. See Creating a Loan File.

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Sending the invitation

1. Open the loan file from the Loan Files list
2. Click Send Portal Link in the file header
3. A dialog shows the borrower's name and email — confirm it looks right
4. Click Send

BorrowerDocs sends the invitation immediately.

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What your borrower receives

Your borrower gets an email from your configured name and reply-to address. The subject line is:

"[Your Company Name] — your document portal is ready"

The email contains a single button linking to their portal. There's no account to create, no password to set — the link is the key.

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What borrowers see in the portal

When your borrower clicks the link, they see:

• Your company name and logo in the header
• Their document checklist, grouped by category — Income, Assets, Identification, Property
• The status of each item — all start as Requested
• A chat button to send you a general message
• Q&A threads on each individual document request

They can upload files for any item directly from their phone or computer. Files appear in your checklist immediately.

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Magic link expiry

Portal links expire after 7 days. If a borrower's link expires before they've accessed the portal, resend a fresh one:

1. Open the loan file
2. Click Send Portal Link again
3. Confirm and send

Borrowers who have already accessed the portal stay logged in for up to 30 days via a session cookie — they don't need the original link again unless the session expires.

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Co-borrower access

If you added a co-borrower when creating the file, they need their own invitation link:

1. Click Send Portal Link
2. Use the recipient selector to choose Co-Borrower
3. Send

Both borrowers share the same portal view and checklist. Messages sent by either borrower are visible to you and to the other borrower.

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Monitoring progress

After sending the invitation, watch the Checklist tab:

Indicator	What it means
Paperclip icon + count	Files have been uploaded for this item
Status badge changes	Item moved from Requested → Partial → Uploaded
Unread badge on Chat tab	Borrower sent a file-level message
Unread badge on Q&A	Borrower asked a question on a specific item

When an item shows Uploaded, open it to preview the files and approve or request a re-upload.

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Next steps

• Working the Checklist — reviewing uploads and approving items
• File-Level Chat — messaging borrowers directly from the file
• Magic Links & Access — details on link expiry and session management