The photo is unreadable
Shot at an angle, in a dim kitchen, with a thumb across the employer name. You cannot submit it and you both know it.
Again. BrokerOS gives them a guided scanner instead — their own phone walks them through it, and the paystub lands in your file straight, lit, and cropped the first time.
It is rarely the underwriting that stalls a deal. It is three days spent trying to get a legible picture of something the client is holding in their hand.
Shot at an angle, in a dim kitchen, with a thumb across the employer name. You cannot submit it and you both know it.
Then again. Four messages later you have a slightly better photo and a client who feels like they are failing a test.
Document quality sends the file back. The delay is not underwriting — it is a picture that could not be read.
A secure portal link opens straight to the camera. Nothing to download, no account for your client to create, no password to forget.
Edge detection finds the page and coaches them in plain words — “Place the document inside the frame”, “Move a little closer”, “Too dark — add more light” — then the frame turns teal and reads “Looking good — tap to capture”.
Auto-cropped, perspective-corrected, multi-page, filed against the right client. Straight, lit, and legible the first time.
Brokers are hired on referrals, and referrals come from the part of the process people expected to hate. Document collection is that part.
One link replaces the back-and-forth. You stop being the person who keeps asking for the same document.
Straightened, cropped, right-sized pages go to the lender. Fewer conditions come back over legibility.
The part of the process people dread stops being painful. That is the experience they describe when someone asks for a referral.
A client handing over income and banking documents is extending real trust. The portal is built to be worth it — encrypted, auditable, access-controlled, and cleaned up after itself.
Documents are encrypted in transit and at rest with AES-256 — in the portal, in storage, and on the way to your file.
Raw captured pages live in temporary storage only until the document is finalized, then they are deleted.
Uploads, edits and sends are written to a full audit trail. When a lender or regulator asks, the record already exists.
Assistants and associates get exactly the access they need — per file, per teammate, per action.
Intake, underwriting, document prep and submission were designed together rather than wired together — GDS/TDS ratios, lender scenarios, compliance packages and e-signing all sit on the same file.
No. The portal link opens in their phone browser and goes straight to the camera. There is nothing to install and no account for them to create.
That is the point of the guidance. Rather than expecting them to know what a good scan looks like, the screen tells them what to fix while they are still pointing the camera — “Move a little closer”, “Too dark — add more light”, “Hold still…” — and the frame turns teal with “Looking good — tap to capture” only once the shot is actually usable.
Documents are encrypted in transit and at rest with AES-256, raw scan pages are deleted once the document is finalized, every action is written to an audit trail, and access is scoped per teammate and per file.
The trial runs 14 days and takes no credit card at signup. To keep going you subscribe at $149.99 CAD per user per month. Your data is exportable at any point, including if you leave.
Send your next client a guided link instead of a list of instructions, and see what comes back.