NEW Innovation in Action
PDF Preview + Mortgage Page Counter Are Live!
GoDocs has launched one of our most-requested enhancements of the year — real-time Page Preview and Page Counter for all loan packages.
This new feature gives lenders instant visibility into how many pages will be included in a package before ordering, helping teams plan recording fees, streamline internal review, and avoid surprises at closing.
You’ll now see the preview and page counter automatically during the order review process. For more details or a walkthrough, please reach out to Customer Support.
2025 Commercial Lending Trends
Below is a snapshot of the trends that stood out across the GoDocs platform this year.
30%
YOY increase in commercial lending volume
20%
YOY increase in loan modifications
35%
YOY surge in C&I demand
New Product Enhancements
SBA Loan Expansion (SBA Express and SBA 7(a) Small)
GoDocs is expanding its SBA loan offerings with the launch of SBA Express and SBA 7(a) small, alongside continued support for SBA Standard 7(a) and SBA 504 products. With SBA Express now available, lenders can streamline document generation for one of the most popular SBA loan types.
CRE – InvestorDocs Adds Mobile Home Financing
GoDocs is expanding InvestorDocs to support financing for 1–4 unit mobile homes affixed to mortgaged properties and rented as single-family residences. This enhancement empowers Private Lenders to document a broader range of rental property loans beyond traditional mobile home parks, which were previously limited to ApartmentDocs. A new “Mobile Home 1–4 Units” option has been added to the Property Type UI, triggering tailored template language when selected. This update reflects GoDocs’ commitment to flexibility and market responsiveness for diverse lending scenarios.
Late Charge Limitations
We’ve expanded our late charge customization capabilities to support new minimum and maximum charge thresholds. These enhancements allow users to define specific late charge caps based on percentage calculations, ensuring compliance with internal policies while maintaining flexibility. The new settings are available globally across all states and product types, and seamlessly integrate into the UI and data summary for easy review and confirmation. This update empowers lenders to tailor their documents with greater precision—reach out to learn how to activate these options for your organization.
CRE – Liquidity Covenant Update
A new “Collective Guarantor” option is now available on the Financial Covenants page, allowing users to apply a single liquidity covenant across multiple guarantors instead of configuring each one individually. This global setting simplifies covenant management for multi-guarantor structures and ensures compatibility with JSON framework requirements. Template updates will automatically apply when this option is selected.
CRE - Foreclosure Referral Fee
GoDocs now offers enhanced support for foreclosure-related legal costs across Fix N Flip, ConstructionDocs, and other Interest-Only, Line of Credits or Term Loan products. Lenders can easily configure a new “Foreclosure Referral Fee” via a streamlined UI setting, enabling them to assess a fixed fee when retaining counsel following an Event of Default. This non-transactional setting ensures consistency across templates and data summaries, with the fee amount automatically populated and locked once enabled. Designed to reinforce lender protections and simplify compliance, this feature reflects GoDocs’ commitment to customer-centric innovation.
CRE - Repair Agreement Protection
GoDocs has enhanced its mortgage and deed of trust templates for Fix N Flip loans to explicitly reference the Repair Holdback and Security Agreement. This update ensures that post-closing advances retain lien priority, aligning with market expectations and reinforcing our compliance-first approach. While no UI changes are required, the revised language will automatically apply when a Repair Agreement is present, helping lenders maintain legal clarity and competitive edge.
CRE - Third-Party Authorization Form
The Third-Party Authorization Form has been enhanced with globally applied updates to improve clarity and usability. These revisions were reviewed and approved by both Legal and Operations to ensure consistency across all customer workflows. The changes support broader applicability and reflect best practices for third-party authorization handling within the GoDocs platform.
Global - Completion Guaranty Update
GoDocs has enhanced its completion guaranty language to support interest collection on loan advances made during the construction period, including fix-and-flip scenarios. This global update applies to all major guaranty types—Payment & Completion, Non-Recourse + Completion, Limited Recourse + Completion, and Full Completion—ensuring broader coverage and alignment with lender expectations. No UI changes were required; template updates have been applied to reflect this expanded protection.
Streamlined Recourse Options for C&I Loans
To ensure a smoother and more reliable document generation experience, GoDocs has streamlined the available recourse options for C&I loans. Users will now see only “Fully Recourse” for Borrower Recourse and “Payment Guaranty” for Guaranty Type—reflecting the only currently supported configurations. This update eliminates confusion and prevents errors during doc generation, while the Legal team continues to evaluate future expansion of recourse options.
Compliance Updates Spotlight
Enhanced SBA Compliance: New Legal Status Representation for Borrowers and Guarantors
To support compliance with the latest SBA SOP 50.10.08 regulations, GoDocs has introduced a new continuing representation and warranty provision across all SBA loan types—including SBA Standard 7(a), SBA 504, SBA Express, and SBA 7(a) Small loans. This update ensures that borrowers confirm the legal status of their owners and key employees, helping lenders meet SBA requirements regarding non-citizen ownership and control.
North Carolina Added to Local Counsel Review States
As part of our ongoing compliance monitoring, we are adding North Carolina to the list of states where we recommend involving local counsel. North Carolina has become stricter in enforcing its unauthorized practice of law (UPL) requirements, and in our view, attorney involvement prior to the closing of a loan is now the prudent path. Therefore, the software has expanded its automated local counsel review service to include North Carolina, ensuring continued compliance with state-specific legal requirements. This enhancement helps lenders avoid legal risk and closing delays in jurisdictions with strict unauthorized practice of law enforcement. The update applies to all loan types across CommercialDocs, ApartmentDocs, InvestorDocs, and ModDocs.
Business Purpose Affidavit Expansion
We’ve enhanced compliance for Pennsylvania transactions by revising our Business Purpose of Loan Certification into a formal affidavit and expanding its use across multiple product lines. This affidavit will now be included in InvestorDocs, ApartmentDocs, CommercialDocs, ConstructionDocs, and C&I Docs whenever applicable, including complex vesting scenarios. The update ensures lenders meet Pennsylvania’s business loan requirements under 10 Pa. Code § 7.2, protecting against usury limitations and confirming the intended business use of loan proceeds. This proactive change provides legal certainty and peace of mind for all qualifying transactions.
Upcoming Product Enhancements
SBA Enhancement: Inclusion of Standard SBA Forms in Document Packages
GoDocs is preparing to expand our SBA offering by adding a full suite of standard SBA forms directly into our document packages for SBA 7(a), 504, Express, and Small loans. This update will include core documents such as the SBA 147 (Note), SBA 148 (Guarantee), and other required forms. Once released, lenders will have the option to select standard SBA forms, or attorney drafted language options in their onboarding configuration. This enhancement is designed to provide users with maximum flexibility to streamline their workflow, improve consistency, and support compliance across all their SBA portfolio.
Enhancements to the Deposit Account Control Agreement (DACA)
GoDocs is developing new functionality that will introduce Hard Lockbox support within DACA secured transactions. When this enhancement is live, users will be able to automatically generate lockbox related provisions and supporting documents based on selections made in the product UI.
Enhancements to eSignature Support for additional Vendors and Products
GoDocs is expanding our eSignature capabilities to support additional vendors and new product workflows. These upcoming improvements will offer lenders more flexibility when selecting digital signature options in their closing packages. This enhancement is designed to speed up closing, accommodate borrower preferences, and enable more robust digital transactions across the GoDocs customer base.
Did You Know?
GoDocs Integrations Are Built To Do the Hard Work for You
As lenders push toward more integrated, automated workflows, one theme has been clear in 2025: financial institutions want their systems to speak to each other without months of IT lift.
This year, GoDocs has supported financial institutions with a steady wave of custom integrations that reduce manual work and simplify cross-system workflows. Along the way, we learned a lot about where institutions are struggling:
- Too many LOS platforms require lenders to manage field-by-field mapping
- Integrations often stall because internal IT teams are at capacity
- Vendors put the burden on lenders to “figure it out”
GoDocs takes a fundamentally different approach. Here’s what we’ve built and why our approach is dramatically lighter, faster, and more reliable:
How GoDocs Makes Integrations Easier Than Any Other Provider
The GoDocs Integration Adapter
Instead of requiring lenders to transform their LOS data to match our API Schema, we do the heavy lifting. The adapter automatically transforms inbound data, in either API payload or file extract form, into the structure GoDocs needs.
- What that means for you:
- No long mapping exercises
- No data-engineering backlog
- No dependency on your LOS vendor’s prioritization
- Faster testing and faster go-live
A Dedicated Integrations Team
We treat integrations as a core operational function, not an optional add-on. Our team guides every step: discovery, mapping, validation, testing, and production rollout.
Workflow Design — Not Just Data Transfer
We partner with customers to help redesign workflows so document generation becomes a natural extension of their LOS—reducing clicks, reducing errors, eliminating double entry, and collapsing timelines.
Built for Any System. Truly.
Since the adapter takes care of the transformation layer, lenders can integrate any LOS, CRM, pipeline tool, custom system, or homegrown process with GoDocs quickly and cleanly.
What Our Lenders Are Saying
Don’t take our word for it — hear it directly from your peers. These are real quotes from lenders who’ve integrated with GoDocs and seen the impact firsthand:
“GoDocs’ UI, workflow, and technology are far more intuitive and responsive than our previous doc vendor. What used to take 4–6 months now takes 10 minutes — seeing GoDocs make integration changes onsite was a game-changer.”
“Just checked with the Credit team — they’re loving the automation.”
“GoDocs didn’t just improve our process — it completely transformed it. What once took an hour now takes minutes, and we’ve learned they don’t just have the best automation, they have the best customer support.”
GoDocs Insights
Lending Momentum Is Back but the Smart Money Is Moving Differently
Despite the threat of recession, the demand for CRE loans seems to be on a rebound. So why are we seeing this turnaround now?
Additional Compliance Updates
- SBA Loan Agreement Enhancement:
- We’ve updated our SBA platform to align with the latest SOP 50 10 8 guidance. Users can now identify an Eligible Passive Company (EPC) and an Operating Company (OC) as loan parties, and the Loan Agreement will automatically include covenants, representations, and warranties for each. This enhancement applies to all SBA loan types, including SBA 7(a) Standard, SBA Express, and SBA 504, ensuring compliance and streamlined documentation for complex SBA structures.
- Global – Per-State Local Counsel Review Settings:
- GoDocs now offers enhanced flexibility for managing Local Counsel Review with the introduction of “Custom UPL Selections.” This new setting empowers users to selectively enable or disable GoDocs Local Counsel Review on a state-by-state basis—perfect for lenders who want TX reviewed but not OH, for example. The update supports all current UPL enforcement states (TX, SC, OH, KY) and adds NC to the list, giving customers greater control over compliance workflows. Say goodbye to the “all or nothing” approach and tailor your legal review strategy with precision.
- Mississippi – Prepayment Penalties:
- To support compliance with Mississippi state law, GoDocs has introduced a new user prompt in the InvestorDocs product line. When users select a prepayment penalty for a Mississippi loan secured by 1–4 unit residential properties, they will now be advised of the statutory 5-4-3-2-1 prepayment penalty cap outlined in Miss. Code Ann. § 75-17-27. This enhancement ensures users are aware of legal limitations specific to commercial loans secured by residential real estate in Mississippi, helping them make informed decisions and encouraging consultation with legal counsel. The prompt appears on the Loan tab under the Note Type section.
- Recordable Document Compliance Update – Iowa:
- GoDocs has implemented key formatting changes to Iowa recordable documents—including Mortgages, Assignments, and Amendments—to meet state-specific recording requirements. Additionally, a new user prompt now alerts you when Iowa is selected as the property state, ensuring the preparer’s name appears on the first page as required by law. These updates help you avoid recording delays and maintain full compliance with Iowa statutes
- Enhanced Compliance – Arkansas Mortgages:
- GoDocs has updated its Arkansas Mortgage templates to align with recent legislative changes extending homestead exemption protections to certain LLC members. This enhancement ensures lenders maintain full enforceability of their security interests by incorporating new waiver language when the borrower is an LLC. By proactively addressing this compliance requirement, GoDocs helps you mitigate foreclosure risks and stay ahead of evolving state laws.
- Massachusetts Corporate Resolution Enhancement:
- We’ve added a new UI option and template update for Massachusetts corporate guarantors when the borrower is a subsidiary of the guarantor. This enhancement ensures compliance with MGL c.156B §9B by including language in the Corporate Resolution confirming that the guarantee is necessary or convenient to the conduct or promotion of the borrower’s business. This update helps lenders meet statutory requirements and avoid enforceability issues.
- Illinois Recording Compliance Update:
- We’ve added new prompts and template updates to ensure Illinois recordable instruments meet statutory requirements under 55 ILCS 5/3-5022. When signatories execute documents in Illinois, the system will now include the name and address of the document preparer on the first page of Mortgages, Assignments, and Amendments. A user advisory prompt has also been added to clarify this requirement, helping lenders avoid recording delays and maintain compliance.
- CRE – Louisiana Mortgage Compliance:
- GoDocs now supports Multiple Indebtedness Mortgages (MIMs) for Louisiana-based ApartmentDocs, CommercialDocs, and InvestorDocs, ensuring lenders can legally secure cross-collateralized or future loan advances under a single instrument. When “Specific Cross-Default” is selected, the platform automatically generates a MIM to meet jurisdictional requirements; otherwise, a compliant conventional mortgage is produced. A new informational UI prompt guides users through this logic, helping lenders maintain enforceability and flexibility across diverse loan structures.
