Y CombinatorLENDING
Licensing for lenders.
Which states require a lending license depends on the product, the rates, and the borrower. Payna maps it, files it, and keeps it current, for the entity and for the people.
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The four products, in the order lending buys them.
Charter. Get licensed.
Charter maps which states license a given lending product, then runs the applications: bonds, financials, control persons, and state filings, sequenced as one program.
Maintain. Stay licensed.
Lending licenses come with renewals, annual reports, and state exams on different cycles per state. Maintain plans backward from each one and keeps the record audit-ready.
Roster. License individuals.
If the products include mortgage, originators need their own licenses. Roster runs the MLO roster per person: MU4s, sponsorships, CE, and the renewal window.
Signal. Build on license data.
Gate origination by state licensure in any stack, and give partners a live, machine-readable answer on where the entity is licensed.
Tell us what gets lent, and where.
We will map the license requirements for the product and show the program on Payna.
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See how Payna runs licensing.
Tell us a little about the company and we’ll walk through how Payna handles licensing and compliance in every US state.