QUARTERLY
Q1 2026 NEWSLETTER
New integration partners, expanded collateral types, and Q1 compliance updates
NEW INTEGRATION PARTNERS
Q1 Product Enhancements
01
UCC
New Lender-Level Control for State UCC Filings
Lenders now have full control over whether State UCC filings are treated as transactional or global/static, all configurable in Lender Settings. With the “Ask” option, teams can choose filing preferences at the loan level for maximum flexibility.
02
DACA
Expanded DACA Lockbox Options
GoDocs now supports No, Hard, Soft, and Springing Lockbox structures for DACAs, with template language updating automatically. This enhancement reduces manual edits and simplifies documenting complex cash management arrangements.
03
C&I
Expanded & Enhanced Collateral Types
We’ve added new collateral options—Marketable Securities, Key Person Life Insurance, Leasehold Improvements, and Titled Inventory—plus refined existing Inventory language. These updates deliver more precise asset descriptions and stronger secured lending accuracy.
04
C&I
Rolling Stock + STB Filing Documents
Rolling Stock is now a dedicated collateral type, automatically generating market standard UCC language, a Short Form Memorandum, and draft STB transmittal letter. This streamlines post-closing filings and reduces compliance risk.
05
ARM
Adjustable Rate Note Payment Recalculation Flexibility
A new lender-controlled option allows custom payment recalculation language in ARM and Hybrid Notes. This gives lenders flexibility in handling rate adjustments to keep loans aligned with maturity timelines.
06
SBA
Residency & Eligibility Compliance
SBA documents now reflect updated federal residency requirements across our SBA products. These changes remove LPR eligibility and ensure all required parties meet current U.S. permanent residency standards with no workflow changes needed.
07
GEORGIA
Recordable Notarized Signature Block
For Georgia orders, GoDocs will automatically add the recordable notarized-signature block to Memorandum of TIC and SNDA documents, ensuring proper compliance and reducing manual edits. This maintains consistency in recordable formatting and streamlines document signing.
08
NEW
Configurable Borrower Communication Language (Texting & AI)
GoDocs now supports optional, customer-directed Loan Agreement language that authorizes lender communications via text messaging and AI/AI-supported systems. The GoDocs Operations Team can control this via a new lender setting which dynamically inserts the approved language into CRE Loan Agreements (ApartmentDocs, CommercialDocs, InvestorDocs) and C&I Loan Agreements (C&IDocs) when enabled. This enhancement helps lenders modernize outreach while keeping inclusion fully configurable and governed by customer direction under GoDocs’ Terms & Conditions.
Q1 Compliance Updates
01
SBA · FEDERAL · EFFECTIVE MARCH 1, 2026
Changes to SBA Standard Operating Procedure for 7(a) and 504 Loan Programs
Effective March 1, 2026, updates to the U.S. Small Business Administration’s Standard Operating Procedure 50 10 8 mandate new restrictions on the citizenship/residency status of 7(a) and 504 loan applicants. As such, we updated our 7(a) and 504 loan document sets to reflect representations that the borrower’s citizenship/residency status complies with the new restrictions. This enhancement further ensures our documents comply with SBA 7(a) and 504 loan program requirements.
02
MARYLAND · CRE & C&I
Greater Maryland Prepayment Penalty Flexibility
Maryland law contains limitations on what a lender may charge as a prepayment premium (PPP), including for commercial loans; provided, however, for certain types of loans, specifically closed end loans, the parties to the loan transaction may opt into Title 12, Subtitle 10 of the Commercial Law Article of the Maryland Code, which provides greater PPP flexibility for loans made to non-consumer borrowers. To improve clarity and reduce enforcement risk, our Maryland CRE and C&I promissory notes will now include an explicit Subtitle 10 election whenever a PPP is selected and the loan is closed end (e.g., interest only loan, term loan, non-revolving lines of credit, including our Fix N Flip and ConstructionDocs offerings). This enhancement provides greater flexibility while strengthening the enforceability of loan terms.
Coming Soon
•
Standard SBA Forms in SBA Package
We’re expanding our SBA package to include a full set of standard SBA forms. This will ensure greater consistency, reduce manual document handling, and accelerate deal processing by keeping all required forms centralized and up to date within the workflow.
•
Loan Participations
We’re introducing support for loan participations within document generation, enabling lenders to accurately capture participant structures and allocations directly in loan documents. This reduces reliance on outside attorney-prepared participation agreements, minimizes manual edits, and ensures greater consistency across participation deals.
•
DDA Information in ACH Forms
GoDocs is enhancing our ACH form offering to support DDA information capture, improving accuracy and reducing rework during payment setup. This enhancement streamlines onboarding and ensures critical account details are consistently captured at the point of entry.
Did You Know?
SSO
Single Sign-On with Automated User Provisioning
Did you know GoDocs supports production single sign on? We support OpenID Connect (OIDC) or SAML 2.0 with automated user provisioning. We will get you set up in our non-production environment, let you test, and then promote the configuration to production when you are ready. Our Ops and developer teams have validated Microsoft Entra Id, Okta, and other enterprise Identity Providers, and we can run the initial cutover as part of onboarding or anytime after go-live so you keep control of your user base.
What To Know
- Protocols and provisioning. We support OpenID Connect or SAML 2.0, and we offer automated user provisioning so accounts and roles can be managed centrally by your Identity Provider.
- We configure a non-production environment for initial testing. Once you have validated sign-in, claims, and provisioning, we promote the same configuration to production. This approach keeps risk low and speeds the cutover.
- Who owns the rollout. SSO setup can be completed during onboarding or while you are live. Many customers choose onboarding, so access is correct from day one, but we are happy to work with your IT whenever you prefer. This flexibility ensures you retain full control over who can access the platform.
Quick Checklist
- Confirm protocol (OpenID Connect or SAML 2.0) and Identity Provider.
- Depending on your selected protocol (OpenID Connect or SAML 2.0), provide us with configuration items to establish the trust relationship between your Identity Provider.
- We provide our non-production configuration items.
- Test sign-in, claims, MFA, and provisioning in non-production.
- After testing, we promote the setup to production and complete user provisioning and sign-off.
What To Send When You Open a Ticket
Preferred protocol (OIDC or SAML 2.0), Identity Provider name, metadata or client ID/secret, OIDC metadata URL or SAML 2.0 metadata, a test user (optional), and the best technical contact.
Need Help or Want Step-by-Step Directions?
Contact your GoDocs CSM. We will walk your IT team through the non-production to production flow and can often finish the production cutover during a single call.
VENDOR RISK
Self-Serve Security Resources at trust.godocs.com
- SOC 2 summary or report, where applicable
- Security architecture and whitepaper
- Incident response summary and escalation contact
- Pen test summary and remediation posture
- Any applicable compliance certificates
Self-Serve, Step by Step
- Start with the Trust Center. Most standard vendor questions are answered there, and reviewers can download exactly what they need.
- If your questionnaire has specific rows you want completed, highlight them. That helps us focus on what matters to your reviewer.
- If you cannot find what you need, do not worry. Reach out to GoDocs Support and we will assemble a tailored response quickly. We prefer to provide exactly what the reviewer asks for rather than sending bulk materials by default.
Why We Do It This Way
- Faster reviews because reviewers can access authoritative docs immediately.
- Mission critical support when required. If a reviewer needs an escalated or customized response, we will prepare it and engage the right GoDocs contacts.
Need Help?
If your reviewer still has questions after checking the Trust Center, contact GoDocs support.
GoDocs Insights
Signs a Commercial Loan May Require a Workout
Early warning signs like recurring late payments, covenant breaches, declining cash flow or property value, tenant turnover, and poor borrower communication signal when a commercial loan may need proactive restructuring to avoid default.
3 Core Workout Strategies for Distressed Commercial Loans
Lenders typically manage distressed commercial loans through three primary workout strategies—loan modifications, forbearance agreements, and deeds in lieu of foreclosure—each offering different paths to restructure debt, preserve value, or expedite recovery depending on the borrower’s situation.
