We designed a four-step guided flow: relationship selection, credit configuration, review, and document signing. Each step was scoped tightly. Step one let clients select which relationship and portfolio they were borrowing against, surfacing eligible securities and the maximum borrowing amount immediately so there were no surprises later. Step two let them configure the product type, fixed advance or current account overdraft, set the amount, currency, and repayment dates, with a live indicator of their borrowing ceiling and indicative interest rate visible throughout.

Step three was a clean summary review before anything was committed. Step four handled document signing end-to-end through DocuSign integration, with the option to sign digitally, print and post, or receive documents by mail, keeping the process accessible to clients who weren't comfortable with fully digital signing.

The result was a complete digital loan application that held up under the compliance requirements of a regulated lending product, without making the client feel like they were filling out a form designed for an internal back-office team.