eSignature for Banking: Close Loans Faster & Strengthen Compliance

Lost Revenue from Slow Deal Cycles

Loan applications, account openings, and wealth management agreements that take days or weeks to finalize lead to customer drop-off and lost deals. Competitors who offer a fully digital experience are winning your customers.

Skyrocketing Operational Costs

The expenses for paper, printing, couriers, and physical document storage are substantial. Add the labor costs of manually tracking, filing, and retrieving documents, and the financial drain becomes clear.

Critical Compliance & Security Risks

Physical documents can be lost, stolen, or incorrectly filed, leading to compliance breaches and failed audits. A lack of a clear, digital audit trail makes defending against legal challenges difficult and expensive.

Poor Customer Experience

Today's customers expect seamless, digital interactions. Forcing them to visit a branch or use a printer and scanner creates friction and damages your brand reputation, pushing them toward more modern alternatives.

Ironclad Security

Your data is protected with AES-256 encryption, both in transit and at rest. We are SOC 2 Type II, ISO 27001, and PCI DSS compliant, meeting the rigorous security demands of the financial industry.

Unquestionable Compliance

Meet ESIGN, UETA, and eIDAS requirements with legally binding signatures. Every document comes with a comprehensive, tamper-evident audit trail that is court-admissible, providing stronger evidence than wet ink.

Seamless Integration

Our robust eSignature API is built to connect with your existing technology stack, including core banking systems (Fiserv, Jack Henry), CRMs (Salesforce), and document management platforms. Get your first API call working in hours.

Superior Customer Experience

Enable clients to sign documents on any device, anywhere, with no downloads or complex logins. Our simple, guided signing process reduces friction, increases completion rates, and improves your Net Promoter Score (NPS).

Accelerated Loan Cycles

Reduce the time to close loans from weeks to hours. Automate document sending, eliminate manual follow-ups, and get legally binding signatures in minutes to fund loans faster and recognize revenue sooner.

Significant Cost Reduction

Eliminate the direct costs of paper, printing, scanning, and couriers. Free up your staff from low-value administrative tasks so they can focus on building customer relationships and driving business growth.

Flexible Deployment

Choose the model that fits your security and infrastructure needs. Use our secure multi-tenant cloud, or deploy on a private cloud or on-premises for maximum control over your data and environment.

Advanced Authentication

Go beyond simple email verification. Protect high-value transactions with multi-factor authentication options, including SMS passcodes, knowledge-based authentication (KBA), and government ID verification.

Built for Banking Scale

From processing a few hundred loans a month to millions of account agreements, our platform is engineered for high-volume performance and reliability, backed by a 99.9% uptime SLA.

Loan & Mortgage Origination

Digitize the entire lending workflow, from initial application and disclosures to closing documents. Securely collect signatures on promissory notes, deeds of trust, and compliance forms in minutes, dramatically reducing the time to fund.

• Reduce loan cycle time by up to 50%
• Ensure compliance with TILA-RESPA (TRID) disclosure rules
• Improve borrower experience with mobile-friendly signing

New Account Opening

Onboard new retail and commercial clients faster with a fully digital account opening process. Allow customers to sign signature cards, W-9s, and terms of service agreements from their phone or computer, eliminating the need for a branch visit.

• Increase new account conversion rates
• Reduce NIGO (Not In Good Order) errors with required fields
• Meet AML/KYC identity verification requirements

Wealth Management

Accelerate client onboarding and streamline account management. Send investment advisory agreements, transfer of asset forms, and annual reviews for signature securely, providing a premium, efficient service for high-net-worth clients.

• Onboard new wealth clients in hours, not weeks
• Maintain a clear audit trail for FINRA and SEC compliance
• Enhance advisor productivity and client satisfaction

Treasury & Cash Management

Streamline the setup of treasury services for your commercial clients. Securely execute master service agreements, ACH authorization forms, and wire transfer requests with a fully digital, auditable workflow.

• Onboard commercial treasury clients faster
• Reduce risk with strong authentication for high-value services
• Create a complete digital record of all agreements

Consumer Lending

Modernize your auto, personal, and HELOC loan processes. Deliver a fast, convenient signing experience that meets consumer expectations and allows you to compete effectively against fintech lenders.

• Approve and fund consumer loans the same day
• Reduce document abandonment rates
• Integrate with your existing Loan Origination System (LOS)

Commercial & Industrial (C&I) Lending

Manage complex, multi-signer commercial loan packages with ease. Route documents automatically to multiple stakeholders—borrowers, guarantors, legal counsel—and track signing status in real-time.

• Simplify the closing process for complex deals
• Ensure all required signatures and initials are captured
• Maintain version control on evolving loan documents

Internal HR & Operations

Streamline internal processes by digitizing employee onboarding documents, policy acknowledgments, and internal change request forms. Improve efficiency and maintain a secure record of all internal agreements.

• Onboard new bank employees faster
• Ensure compliance with internal policies and procedures
• Reduce administrative overhead for HR and operations teams

Compliance & Audit Documentation

Formalize the sign-off process for internal audits, compliance reviews, and regulatory filings. Create an undeniable, time-stamped record of who reviewed and approved critical documents.

• Simplify audit preparation and response
• Provide concrete evidence of policy adherence
• Strengthen internal controls and governance

Credit Card Applications

Allow customers to apply for and accept credit card terms and conditions instantly online or on a mobile device. Capture legally binding consent and accelerate card issuance.

• Increase credit card application completion rates
• Deliver instant decisions and card activation
• Ensure compliance with Card Act regulations

Safe Deposit Box Agreements

Modernize a traditionally paper-heavy process. Allow clients to sign safe deposit box rental agreements and access forms digitally, whether in-branch on a tablet or remotely.

• Reduce paper storage and retrieval costs
• Improve the in-branch customer experience
• Maintain a secure digital record of all agreements

Retirement Account Forms (IRAs)

Simplify the process of opening and managing IRAs and other retirement accounts. Securely handle beneficiary designations, distribution requests, and rollovers with a compliant digital workflow.

• Reduce errors and delays in retirement account processing
• Provide a convenient service for all client demographics
• Ensure proper documentation for tax and legal purposes

Loan Modification Agreements

Quickly and efficiently process loan modifications and forbearance agreements. Provide a simple, empathetic digital experience for customers in need of assistance, while ensuring all paperwork is legally sound.

• Process modifications faster to help customers and reduce risk
• Maintain a clear record of all amended terms
• Reduce the administrative burden on your servicing team

Vendor & Third-Party Contracts

Manage contracts with your technology vendors, service providers, and other partners. Streamline the procurement and legal review process with a centralized, digital signing platform.

• Accelerate vendor onboarding and procurement cycles
• Centralize contract management and renewals
• Maintain a complete audit trail of all third-party agreements

Guarantor Agreements

Easily add guarantors to loan agreements, even if they are in a different location from the primary borrower. Send signing requests simultaneously or sequentially to all parties and collect all signatures on a single, unified document.

• Eliminate delays caused by coordinating multiple signers
• Ensure guarantor obligations are legally binding
• Simplify a common but logistically complex task

API for Custom Banking Applications

Embed eSignature functionality directly into your proprietary banking applications, customer portals, or mobile apps. Use our powerful API to create fully customized, branded signing experiences.

• Maintain full control over the user experience
• Automate complex, high-volume document workflows
• Innovate faster and build competitive digital products

SOC 2 Type II

Independently audited and certified for security, availability, processing integrity, confidentiality, and privacy of customer data.

ISO/IEC 27001

International standard for information security management, ensuring we have comprehensive technical and organizational controls in place.

PCI DSS

Compliance with the Payment Card Industry Data Security Standard, enabling secure collection of payment authorizations.

HIPAA

For banks offering Health Savings Accounts (HSAs) or handling healthcare-related information, we provide HIPAA-compliant solutions.

ESIGN & UETA Acts

Our electronic signatures are legally binding in the United States, meeting all requirements for enforceability.

GDPR

For our clients in the EMEA region, we are fully compliant with the General Data Protection Regulation, including data processing agreements and data residency options.

21 CFR Part 11

We offer solutions that meet the specific requirements for electronic records and signatures as defined by the FDA, relevant for life science financing.

Data Encryption

All data is encrypted in transit with TLS 1.2+ and at rest using AES-256, the same standard used by federal agencies to protect top-secret information.

Tamper-Evident Audit Trail

Every action is logged in a detailed, court-admissible audit trail, including signer IP address, timestamps, and a record of all events from document creation to finalization.

"We evaluated several eSignature providers, but eSignly's deep understanding of banking compliance and their robust API set them apart. We've integrated them into our C&I lending portal, and the efficiency gains have been remarkable. Our operations team and our clients are thrilled."

"I can now get a personal loan signed and funded before the member even leaves my office. eSignly is so easy to use. I just send the link, and a few minutes later, the signed documents are back in my system. It has completely changed how I work and lets me serve more members every day."

"Security was our primary concern. eSignly's SOC 2 Type II and ISO 27001 certifications were table stakes, but their willingness to work with us on an on-premise deployment to meet our data sovereignty requirements was the deciding factor. They are a true security partner."

"Opening new accounts used to be a mountain of paperwork. Now, we use a tablet with eSignly right at the desk. It's faster for the customer, and we don't have to worry about scanning or filing errors. The in-person signing feature is fantastic."

"The audit trail is everything. When regulators ask us to prove when a client signed a specific disclosure, I can pull up the eSignly certificate in seconds and show them the exact timestamp and IP address. It's undeniable proof that has made our audits infinitely smoother."

"To win in the digital age, we need partners who can match our pace of innovation. eSignly's API-first approach allowed our development team to build a completely custom, branded signing experience inside our mobile banking app. Their platform is reliable, scalable, and a core part of our digital transformation."

Are electronic signatures legally accepted for mortgage closings?

Yes, in most jurisdictions. Electronic signatures are federally legal under the ESIGN Act. While some states have specific requirements for mortgage documents, eSignly supports Remote Online Notarization (RON) and In-Person Electronic Notarization (IPEN) to meet these standards where applicable, allowing for a fully digital closing.

How do you ensure the identity of the person signing?

We offer multiple layers of authentication. The standard is email verification, but for high-risk transactions, we strongly recommend adding Multi-Factor Authentication (MFA) such as SMS passcodes, or identity verification services like Knowledge-Based Authentication (KBA) or photo ID verification.

Can we brand the signing experience with our bank's logo and colors?

Absolutely. Our Business and Enterprise plans allow you to fully customize the signing experience, including adding your logo, changing colors, and customizing the email notifications. This ensures a seamless and trusted brand experience for your customers.

What happens to the documents after they are signed?

Once a document is completed, all parties automatically receive a final, signed PDF copy. The document and its comprehensive audit trail are stored securely in your eSignly account. Using our API or integrations, you can also have the final document automatically pushed to your own document management system or core banking platform.

How does your pricing work for banks?

We offer flexible pricing to fit different needs. For smaller teams or specific use cases, our standard SaaS plans (Professional, Business) might be a good fit. For institution-wide deployment or API usage, we create custom Enterprise plans based on expected volume (number of envelopes or API calls) and specific feature requirements like on-premise deployment. Contact our sales team for a custom quote.

Can signers use a mobile device?

Yes. Our signing experience is fully responsive and optimized for mobile devices. Signers can open and sign documents on any smartphone or tablet without needing to download an app. This is crucial for consumer lending and providing a convenient customer experience.

How do you handle data sovereignty for global banking institutions?

eSignly supports regional data hosting. We provide dedicated instances in specific jurisdictions to ensure full compliance with data residency laws like GDPR or local banking regulations, ensuring your data never leaves the required geography.

What is the typical timeframe for API integration into a core banking system?

Using our RESTful API, most mid-sized banks complete integration in 2-4 weeks. We provide a sandbox environment, comprehensive documentation, and dedicated developer support to accelerate your go-live, ensuring a secure and efficient connection to your existing infrastructure.

Is it possible to host eSignly on-premise?

Yes. For banks with strict internal security policies or regulatory mandates requiring network isolation, we offer a private cloud or on-premise deployment option. This gives your IT team full control over the infrastructure, security protocols, and data access within your firewall.

What audit logs do you provide for regulatory compliance?

We provide tamper-evident, time-stamped audit trails for every transaction. These logs include IP addresses, device information, document versions, and a complete history of events, satisfying the strict requirements for FINRA, SEC, and other critical banking audits.

AI-Powered Data Extraction

Automatically identify and extract key data points (e.g., loan amounts, dates, names) from signed agreements and push that data directly into your core systems, eliminating manual data entry and reducing errors.

Smart Document Classification

Our AI can automatically classify incoming documents—distinguishing a loan application from a W-9, for example—and route them to the correct workflow, saving valuable time for your operations team.

Risk & Anomaly Detection

Future capabilities will include analyzing documents for missing information, conflicting clauses, or potential fraud indicators, providing an extra layer of automated risk management for your institution.

eSignly Cloud (SaaS)

Ideal for: Credit unions, community banks, and specific departments seeking a fast, scalable, and fully managed solution.

eSignly Enterprise (API & On-Premise)

Ideal for: Regional and national banks with complex security, data residency, or integration requirements.