The Proof Is In The Doc Request

In an era of “instant approvals” and AI-driven recommendations, many brokers rely on incomplete information or outsourced processes to place clients. The reality is simple: if you don’t do the work of thoroughly reviewing a client’s financials, you can’t accurately determine what they truly qualify for.

Asking for three months of bank statements and calling it a day? That often leads to one outcome: surprise offers for high-cost, short-term products like merchant cash advances—products that may not even align with the client’s long-term goals.

Shotgunning files to multiple lenders or relying solely on AI is not only inefficient, it’s a potential data privacy risk. No algorithm can replicate the insight gained from a manual, in-house pre-underwriting process.

At its core, true market positioning is about clarity, expertise, and discretion. By reviewing the file thoroughly, a broker can provide the client with an honest assessment of their options—without any sales pitch or pressure. This is the standard that separates professionals from intermediaries.