Commercial Lending shouldn't mean chasing documents over email.
Relationship managers collect KYC, KYB, financial statements, and supporting loan documentation through a combination of email requests and manual follow-up.
The Onboarding Bottleneck
Every commercial onboarding is a manual coordination exercise. At portfolio scale, that’s an ops problem.
No status visibility across the RM portfolio
Relationship managers have no consolidated view of which clients and prospects have submitted which documents. Every status check requires opening an email thread. At 40+ active onboardings, that’s unmanageable.
Compliance review that happens after the bottleneck, not before it
Submitted documents reach compliance only after the RM has manually confirmed receipt, chased outstanding items, and assembled the package. Compliance reviews incomplete submissions. The cycle repeats.
KYB documentation that’s incomplete by default
Business clients have complex entity structures: parent companies, beneficial owners, and multiple signatories. Email-based collection can’t enforce completion of the full document set before the package moves forward. Not-in-good-order rates are high — and every returned package adds weeks.
Vault Per Business Client
A structured onboarding vault per commercial client. Launched from your CRM. Visible to compliance.
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CRM-embedded vault widget Full vault access from the RM’s existing CRM or Salesforce client record; document requests initiated in CRM
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Prospect invitation to document vault No account required to upload; business clients receive a one-time authenticated link
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Agent dashboard with real-time completion status RMs see all active onboardings at a glance; outstanding items highlighted
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Conditional smart forms for KYC/KYB Entity type (sole proprietor, corporation, partnership) drives form logic; beneficial ownership captured structurally
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Back-office approval and reject workflows Submitted documents route to compliance with inline commenting; approved or rejected without email round-trips
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Regulatory document retention Configurable archival rules and auto-purge on retention expiry; full audit trail per document and per request
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ECM integration Completed onboarding packages route to your document management system automatically
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Multi-party document access Multiple signatories, external accountants, or legal counsel added as collaborators with scoped RBAC
“SideDrawer is part of our daily business, starting every new engagement with an info request.”Frank Gasper — CSR Wealth
Built for Commercial Banking Operations
From prospect invitation to compliance archival — one structured workflow.
RM portfolio dashboard
One view across all active onboardings. Completion status, outstanding items, and compliance routing status for every business client and prospect. No email archaeology required.
Entity-aware smart forms
KYC and KYB forms adapt to the business entity type. Sole proprietors, corporations, and partnerships see the right fields. Beneficial ownership is captured structurally, not as a free-form upload.
Back-office compliance routing
Submitted documents reach compliance reviewers automatically. Inline commenting and @-mention communication — all logged. Approved or rejected without a single email round-trip.
Audit-ready from day one
Every document request, submission, approval, and archival event is logged with timestamp and user attribution. Regulatory examination starts from a complete record, not a reconstruction exercise.
What Commercial Banking Teams Ask
Questions from RM operations leads and compliance teams during evaluation.
Can a business client upload documents without creating an account?
Yes. Prospects and business clients receive a one-time authenticated link — no platform account required. Documents are captured in a staged vault. The RM sees submission status in real-time on their dashboard. At account opening, the vault converts to a full client vault with no re-submission required.
How does the back-office approval workflow work?
Submitted documents are routed to configured compliance reviewers automatically. Reviewers approve or reject inline — with comments captured in the audit log. Rejected submissions trigger a notification to the RM and optionally to the client for re-submission. All workflow steps are logged with timestamps and user attribution.
Can the form logic handle different entity types for KYB?
Yes. Conditional smart forms adapt to entity type — sole proprietor, corporation, partnership, trust, or other. Each entity type drives a different document checklist and form structure. Beneficial ownership capture is structured, not free-form. The platform validates completeness before the package moves to compliance review.
Does it integrate with our CRM?
Pre-built Salesforce integration via managed package — vault access from the CRM client record, form responses populating CRM fields, and document request status visible in Salesforce. Other CRM integrations available via full API or Zapier connector.
How are retention rules and auto-purge configured?
Document retention rules are configured at the tenant level per document type and workflow. Auto-purge runs on the configured schedule and logs the purge event in the audit trail. Compliance teams can define retention periods per regulatory requirement. ECM-integrated deployments use copy-and-purge — documents transferred to ECM, vault copy purged, ECM reference retained.
Is Canadian data residency confirmed?
Yes. All data at rest stored in Canada. SOC 2 Type II + SOC 1 certified. AES-256 encryption at rest and in transit. Enterprise PaaS tier available for institutions requiring fully dedicated infrastructure within their own cloud tenant.
How SideDrawer Works for Business & Commercial Banking
Common questions from commercial banking teams. Book an enterprise discovery call for a detailed walkthrough of the RM dashboard, compliance routing workflow, and KYB smart form configuration.
Ready to replace the email-based commercial relationship?
Book an enterprise discovery call — we'll walk through the RM dashboard, compliance routing workflow, and KYB smart forms.
Book an Enterprise Discovery Call
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