Five hundred loans or five thousand, the same infrastructure either way.

A pre-launch peer-to-peer lending marketplace needed complete notification infrastructure across the entire loan lifecycle without building it in-house. There was no automated escalation sequence for missed payments, no white-label communication layer, and no tracking of open rates, delivery, or borrower engagement, with scaling to hundreds of loans otherwise meaning scaling headcount.

"It's always good to have a third-party expert that knows what they're doing, rather than building it yourself."

1. 1Term setting and negotiation: role-specific notifications on proposals and counter-proposals, with mutual acceptance confirmed to both parties
2. 2Contract and signature: e-signature requests sent to both parties, with configurable 48-hour reminders and a fully executed confirmation including the repayment schedule
3. 3Disbursement: a warm confirmation to the borrower and a schedule activation notice to the lender
4. 4Active repayment: a pre-due reminder 3 to 5 days out, payment confirmations to both parties, and conditional branching that cancels the reminder once payment is received
5. 5Missed or late payment: a 3-step escalation, Day 1 soft, Day 5 firmer, Day 14 referencing contract terms, with concurrent lender alerts and a collections data export if unresolved
6. 6Loan completion: a celebratory confirmation to both parties with a final summary of total repaid, duration, and closure date

The system is white-labeled to the company's own domain, logo, and tone of voice, with full DNS verification and engagement analytics, and the cost structure doesn't change whether there are 500 loans or 5,000.

An escalation sequence that fires the same way at Day 1, Day 5, and Day 14 for every loan is one collections can actually rely on, and one an auditor can actually trace.