Send to Lender: Secure, Expiring Application Shares

Put a specific application in front of a specific lender, with a code, an expiry and a watermark, and get the answer back on the file. No fax cover sheet, no attachment in the wild.

Send to Lender is how a credit application leaves your store. From an open application in the SecureWebX console, a finance manager picks a lender, and SecureWebX produces a share: a code gated, expiring, revocable, watermarked view of that application. The lender receives it, enters the access code, reviews the application and its documents in a secure viewer, and records a response through a lender response portal. The response comes back onto the application in your inbox.

It is worth being exact about what this is and is not. It is a secure share to a lender of the store's choosing. It is not a lender portal integration, and nothing on this page will tell you an application is submitted into a named lender network. Your lender relationships are yours, your bureau account is yours, and the credit pull happens through your own account. What Send to Lender does is make the handoff secure, documented and reversible, for any lender, including the local credit union that has never been on anyone's portal. The automotive lender portal integration page explains how portal connections are handled on request and where the application intake layer fits.

A used truck deal is sitting in the inbox with income, a down payment and a trade-in on the application, and a finance worksheet attached. The finance manager opens the application, clicks Send to Lender, and selects the credit union that likes this kind of paper from the store's partner list. He chooses whether the lender sees the deal worksheet or the documents only, sets the access to expire in seven days, adds a short custom message, and sends. The share goes out with an access code. If direct delivery to the lender's mailbox fails, the portal link is still live and the console says so, with a retry.

An hour later the credit union's analyst opens the link, enters the access code, and reads the application and the deal recap PDF in the secure viewer, watermarked with the share. She has a question about residence, so she uses Request more information and lists the item she still needs. That request lands on the application as a stipulation, the finance manager uploads the document for this lender, and the analyst sees it in the same share. By mid afternoon she submits an approval with a call sheet attached. The application status moves, the decision and outcome are recorded on the file, and the salesperson on the deal sees it from the CRM.

The deal that would have been a fax, three phone calls and an email chain is one application record with the whole exchange on it.

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Four controls sit on every share. The share is code gated: the lender enters an access code before anything is visible, so a forwarded link on its own opens nothing. The share is expiring: the store picks how long access lasts, three, seven, fourteen or thirty days, and when the window closes the lender's access ends without anyone remembering to close it. The share is revocable: Revoke on the application ends access immediately, whether the deal went elsewhere or was sent to the wrong desk. The share is watermarked: the application and its documents open in a watermarked viewer with print and download gated, so the file the lender sees carries the share on its face and cannot be quietly saved as a clean copy.

Under those four sit the controls that apply to everything in SecureWebX. Application data is encrypted at rest. Every document in the share was virus scanned on upload. The audit log on the application records who shared it, with whom, when access was granted and when it was revoked or expired. Records are archived, never deleted, so the history of every share stays with the application for as long as the store needs it.

The lender never logs into your console. They receive a link, enter the access code, and land in a lender response portal built for one job: review this application and respond. Inside it they open the secure viewer for the credit application and supporting documents, open the lender deal recap PDF if the store attached a worksheet, and see the proposed deal structure, the vehicle book-out, and the vehicle history and checks the store ran. Then they respond: approve, with a call sheet attached; decline; or request more information with a list of items still needed and comments.

The response lands on the application in your inbox. Status, decision and outcome update on the file, and a request for more information becomes a stipulation the finance office fulfills by uploading for that lender. For lenders whose own systems record decisions, a decision webhook lets their system send the decision to the share directly, so the answer arrives on the application without anyone rekeying it. Lenders and partners who still live on fax are covered by eFax, with fax numbers per company and per partner and inbound status in the console.

It replaces the fax with the cover sheet, the email with the application attached, the shared drive link that never gets turned off, and the photo of a paper app sent from a personal phone. Every one of those puts a customer's most sensitive document somewhere the store no longer controls. A share that expires, can be revoked and carries a watermark is a different category of thing.

It also replaces the assumption that submitting to lenders requires buying into a portal network with its own per store fee. Stores that work with regional banks, credit unions and buy here pay here capital sources often have lenders who are not on any portal at all. Send to Lender works with all of them, because it needs nothing on the lender's side except a browser. It is part of SecureWebX, which is part of every LeadLocate plan, month to month, on the pricing page. When a lender or DMS needs a file rather than a share, the same application exports in the format that system expects; the lender and DMS export formats page covers that path.

Sharing a credit application is the moment a store's data handling is most exposed, and the moment a regulator or a plaintiff's lawyer will ask about first. Send to Lender gives the store a specific answer to every question in that conversation. Who received the application: the lender named on the share. What they could see: the application, the documents, the worksheet if attached, in a watermarked viewer with print and download gated. For how long: the expiry the store chose. Who ended it: the expiry or the revoke, both logged. What the lender said: the decision recorded on the file.

That record sits next to the rest of the application's compliance layer: the consent version the customer signed, the disclosures shown, the OFAC screening on the record, the stipulations and the adverse action notice if the deal was declined. Software supports a compliance program, it is not one, and the store's counsel decides what the program requires. What Send to Lender provides is the evidence that the program was followed.

It is on. Send to Lender is part of the SecureWebX console, which opens from the SecureWebX button in the LeadLocate CRM dock with one login, and the console is created with your account. The only preparation is adding your lenders to the partner list so they are there to select when the first application is ready. The Verified Partners directory lists lenders by category if you are looking for new ones, and the Mailbox keeps your correspondence with each lender inside the console.

Because SecureWebX runs as its own system, a share already sent keeps working even if the CRM is unavailable: the lender opens the portal, reviews the file and records the response, and the console holds it. If your store needs a share behaviour the console does not already offer, it is available on request, and our team puts it in production for your dealership.

Pair it with the stipulations workflow, because a lender's request for more information becomes a stipulation and the upload for that lender lands in the same share. Pair it with worksheets, so the lender sees the deal structure the store is proposing and the deal recap PDF rather than a bare application. Pair it with the credit application inbox, where the share's status, the decision and the outcome all show on the file the finance office is already working.

The all features page lists everything else in the platform, and the pre-recorded live demo shows an application shared with a lender and the decision coming back on the record.

Is Send to Lender a lender portal integration?

No. It is a secure share of an application to any lender your store chooses: code gated, expiring, revocable and watermarked, with a lender response portal for the reply. Your lender relationships and your bureau account stay yours. Portal connections are handled on request.

Which lenders can I send to?

Any lender, including banks and credit unions that are on no portal at all. The lender needs a browser and the access code. Add lenders to your partner list in the console and select one when you send.

How long does the lender have access?

The store chooses when it sends: three, seven, fourteen or thirty days. Access ends at expiry, or immediately when the store revokes the share from the application.

What can the lender do with the application?

Review it and its documents in a watermarked secure viewer with print and download gated, open the deal recap PDF if a worksheet was attached, and respond with an approval and call sheet, a decline, or a request for more information.

How does the lender's decision reach my inbox?

Through the lender response portal, or through a decision webhook for lenders whose systems record decisions. Either way the decision and outcome land on the application, and a request for more information becomes a stipulation.

Is there an extra charge for Send to Lender?

No. It is part of SecureWebX, which is part of every LeadLocate plan, month to month. Plans are listed on the pricing page.

Send to Lender is part of SecureWebX and every LeadLocate plan, month to month. See an application go to a lender with a code and an expiry, and the decision land back on the file.

Prefer to talk right now? Call or text 844-376-2274.