Finance
Document exchange in finance and lending
How do lenders collect financial documents securely?
The problem
What goes wrong when a lender or advisor and the borrowers and counterparties it collects documents from exchange documents today
Bank statements arrive as email attachments
A statement, a proof of address and an ID scan land in an inbox as three separate attachments, with no structure tying them to the file they belong to.
Identity files are scattered, not centralised
The documents used to verify who a counterparty is end up spread across an inbox and a shared drive, rather than in one place tied to that counterparty.
No record of who opened a statement
Once a statement is emailed there is typically no way to confirm whether, or when, the other side actually opened it.
What moves
The specific documents that pass between the two sides
Not documents in the abstract — these are the ones that actually show up.
- bank statements
- identity and proof-of-address documents
- signed loan agreements
- income verification
- account opening forms
Three spaces
The same structure as every other setting, applied here
Private, Shared and Client. Built and available now.
Private
A draft credit memo or internal underwriting note, before it goes further.
Shared
The underwriting team working a file together, ahead of a decision.
Client
What the borrower or counterparty can see — the statement request, the finished agreement, the form they need to submit.
Documents and spaces
Available nowThree spaces per contact — Private, Shared and Client — with upload, moving a document between them, and in-browser preview of PDFs, images, text, Word and Excel files.
Document requests
In progressA checklist of what you need from someone, filling in as they upload against each line. Partly built; not finished.
Not built for this industry
One product, applied here — not a separate one
docivault is not built for this industry. It is built for the exchange — the private workspace, the contacts, and the three document spaces are exactly the same ones every other use case on this site uses. What changes here is who is on each side, what moves between them, and what a buyer in this setting needs to check before trusting a vendor.
Financial-services record-keeping and identity-verification rules vary by jurisdiction — check what applies to your business before relying on any vendor. See /compliance and /subprocessors for what docivault actually holds today.
Insurance
A claim is a document exchange with a deadline. How the planned checklist will handle it.
Read moreProfessional services
Accountants, lawyers and consultants exchange documents with clients all week. One example of what docivault is for — not the definition of it.
Read moreReal estate
A transaction touches a buyer, a seller, a lender and two agents. A space each, by design, instead of a mail thread.
Read morevs email
Email has no access control after send, no audit trail and a size limit. What you gain by moving the exchange off it, and what you lose.
Read more
Questions
What people ask about finance
Is docivault built specifically for lenders?
No. It is built for the exchange between an organisation and the counterparties it collects documents from. Lending is one setting; the same pattern applies to a firm collecting client identity documents.
Does docivault meet financial-services regulatory requirements?
We make no such claim. Those rules vary by jurisdiction and by the kind of institution — check what applies to you and read /compliance and /subprocessors for our actual position.
Can a statement request be tracked against what has arrived?
Partly. A borrower is a contact with their own space, and that is built and available now. The checklist against a request is the requests feature, which is in progress rather than finished.
Is the document exchange itself built yet?
Yes. Workspaces, contacts, the three spaces, uploading a document, moving it between spaces, previewing common formats in the browser, comments and sharing by an expiring link are all built and available now. Document requests are in progress. Bulk import from Drive or OneDrive, and a complete record of every view and download, are not built.
Set up your workspace and add your first contact
Free to start, no credit card, and the people you exchange documents with are never billed.
- No credit card
- Free plan, no expiry
- The people you exchange with are free