Getting Started With LoanPro
1. Onboarding Overview
Welcome to LoanPro Software! We’re excited to welcome you to our league of lending partners. This article highlights all of the steps you’ll need to take in order to get up and going with LoanPro, so you can refer back here as you move through each step. Generally, the process takes a few weeks from start to finish.
Through years of experience and thousands of lenders, we have learned the best practices for onboarding new clients, and seen what issues can slow the process. While each lender’s needs are different, we have found that lenders will have a much smoother experience if they follow the order outlined here. To that point, we recommend following this list top-to-bottom when setting up the software. Likewise, it may be helpful to get familiar with the entire process before starting. If you get stuck or have questions, our support staff can assist with any roadblocks you may run into.
LoanPro Support Contact Information
Phone: 800-559-4776 ext. 2
2. User Access and Experience
The first step for onboarding is to enroll your company's employees as Agent Users in LoanPro, allowing them to log in and work within the system. There are two basic steps involved:
- Create New Agent Users – Create login credentials for each employee.
- Create Roles and Assign users to them – Roles allow you to control what actions and information users have access to. It can range from Full Admin Access to Read-Only view.
3. Contract Matching
You like to run your business your way, which likely differs from other lenders. LoanPro, then, can be configured to suit your needs. If you feel comfortable with it, you can set up your tenant on your own using this article. Alternatively, you can provide information about your loan products to us and we can then configure your LMS tenant. The best way to gather this information is usually through examining sample drafted contracts, as they show both the options you provide customers and the information you gather.
We request a sample contract for each loan product you plan to service on LoanPro. It's also helpful if you send one or more contracts for each of the following loan status categories:
- Paid off
- Past due
- Renewed/modified, if applicable
- Sold, if applicable
Each contract should include
- An original contract agreement with a TIL box of loan terms (APR, Finance Charge, Loan Amount, Total of Payments)
- An amortization schedule
- A payment breakdown history
Ultimately, these sample contracts are a means of answering questions about your lending products and how you manage them. As you prepare sample contracts, consider the questions listed in this drop-down.
Loan Setup Discovery Questions
- How many different Loan products do you offer?
- Do you have any loan products that you do not yet offer but would like to have configured and set up for launch day?
- Does interest accrue based on a 360-day year or a 365-day year calculation?
- When does interest start to accrue (the date of the contract, a day after contract signing, something else)?
- In what order do payments apply to the constituent parts of the loan, such as principal, interest, or fees?
- What percentage of the payment must the borrower make in order for the loan to be considered current?
- What payment frequencies do you support (weekly, bi-weekly, monthly, etc.)?
- If a customer pays more than the amount due, does the extra payment reduce the principal balance exclusively, or does it also reduce their next payment amount?
- Does your payoff include interest accrued on the day the payoff payment is made?
- Does interest accrue daily? If not, at what frequency does it accrue?
- How are your late fees structured? Does it differ per state and loan product (if applicable)?
- Do you charge convenience fees? If so, when are these fees applied and how are they structured?
- Are your loans subject to usury restrictions?
- If payments are missed on a loan, does the loan term extend or create a balloon payment at the end?
If you would like to take on the responsibility to match your own contracts in the system and set your own defaults, our article on Contract Matching gives a step-by-step walkthrough.
If you are signed up with LoanPro’s Pro, Elite or Enterprise Packages, you can interact with our software through the API, allowing for integrations with your own programming and any middleware you use. We would like to provide you with some information on how to get access and connect to each of your tenants (Production and Sandbox, if applicable) via the API.
We have comprehensive documentation at loanpro.readme.io, which lists all of the endpoints, payloads and instructions for both the LMS and Secure Payments APIs. There's also a detailed introduction that explores connecting to the API, setting up headers, the base URL, OData, and Elasticsearch. This is a useful instruction guide, but we can also tailor the endpoints and payloads to suit your origination and servicing process. Throughout the discovery and configuration phrases, we'll work with you to figure out how your API setup could work best, and share those solutions with your team.
To use the API, you'll need to set up and assign an API user for both your Production and Sandbox environment. (If you don't have access to these environments, please let your Success Specialist know.) Creating these users for the API follows the same steps as creating users in the LMS UI. Inside your Production account navigate to Users > Agent Users > New Agent User. You'll need to enter the some basic info about the user, and we recommend creating an email account that can be used specifically for the API. Here's the info you'll need, and what we recommend:
- First Name - API Tenant Name
- Last Name - Production
- Email - email@example.com
- Role - Admin
The setup is the same inside your Sandbox account. Navigate to Users > Agent Users > New Agent User.
- First Name - API Tenant Name
- Last Name - Sandbox
- Email - firstname.lastname@example.org
- Role - Admin
If you review and complete the Introduction section from the link provided in our API documentation you should be able to connect successfully.
5. Loan Origination
After your LoanPro account has been fully configured and you are ready to go live, there are several questions we want you to answer on how you originate new loans in the software.
LoanPro is not an origination software. Our specialty is in loan servicing; however, we offer several tools to help you create new loans in the system.
5.1. LoanPro’s Application Tool – Within LoanPro we have developed a small Loan Application tool, which allows you to build a basic Loan Application that your customers will then fill out. After it has been submitted, it will create a loan in LoanPro under an 'Application – Pending' status. At this point, your agents would review the application, either reject or accept it, and finish the underwriting process in LoanPro.
This simple tool is admittedly not not as robust as most software specifically built for loan origination; again, origination is not our focus. If you prefer to use an origination tool, you can integrate it with LoanPro via our API (see below).
If you opt for our tool, you should be aware of some limitations:
- Our application tool does not have a concept of Auto Decisioning. All applications submitted will get created as loans, and then you do the decisioning.
- Google Chrome is the recommended browser for applicants. (It is also the only supported browser for LoanPro users).
- We do not have the option to embed hyperlinks that can redirect your applicants to separate web pages.
- We are limited to different types of Application Style customizations.
To learn more, see our article Create a new Loan Application.
5.2. Manual Loan Entry – Another option is to create loans manually through the LoanPro UI. Manual entry is typically used by those who have lower origination volume. After your existing contracts and loan defaults have been set, you can use our Pre-configured Loan, Custom Onboarding, or Standard New Loan Creation Tool to create or link customers and add a new loan in the software. To learn more about both of these options please visit the following links.
5.3. Loan Origination via the API – If you would like an automated Loan Origination solution, we recommend working with one of our origination partners, utilizing the API to pass data from the Third Party Origination tool to LoanPro. All of the API calls you need to communicate with LoanPro can be found on loanpro.readme.io, our comprehensive endpoint documentation site. Our knowledge base here on help.loanpro.io also has articles on the subject — see the LMS API folder.
This usually requires that you have a tech team on hand to help you with implementation and it would be your team's responsibility to do most of the heavy lifting. LoanPro Support can help answer your questions while you develop your API integrations. You will be responsible to plan and code these projects. If you would like to work with a Loan Origination Partner, get in touch our Support Team, who can find you a best-fit based on your industry and help you through the integration process.
6. Loan Servicing
Loan servicing is our bread and butter. The tools here are robust and adaptable, and one of the key features that make LoanPro a powerful loan servicing software.
6.1. Loan Status – If you use LoanPro for Origination workflow, we give you the option to add custom Loan Statuses. For example, if you create a new loan it may first get added to the Application - New Status. An agent can search for loans in this status and upon review they could move it in an "Application - Declined or Approved" Status. Based on the status update, it will continue down a specific origination workflow that your company designs, matching the lifecycle of your loan products. We have already configured a set of common statuses, like "Open - Repaying" or "Paid Off - Paid in Full", but If you see a need, you can create additional statuses. After a loan has been created, its loan Status can be updated manually through the UI, through Rule Automation or via the API. Our article Loan Status and Substatus goes into greater detail about what individual statuses indicate and how to best use them.
6.2. Custom Forms – This tool lets you create create your own template letters, contracts, memos, statements, and any other documents, which the system can then fill with specific loan and customer information. For instance, the template form for a past-due warning might say something like this:
You are [[v('status-amount-due')]] past due. On your next payment date of [[companyFormatDateTime('subsequent-due-date')]], you will owe [[v('status-full-due')]].
You are $175.50 past due. On your next payment date of August 3, 2021, you will owe $351.
Your custom forms, of course, can be a lot more complex. Here are two sample files showing a blank template and how it might look once the system fills it out with a customer's loan information:
Setting up a custom form is often just a matter of plugging in the right variables (we keep an updated list in our Context Engine Glossary). Populating a form with customer info is even easier; it can be done with the click of a button, or automatically if you set up rules to trigger them. With some knowledge of Clojure (a coding language), you can even create forms that with math or if/then statements. For help on using variables, see our article Working with Variables.
If you prefer to build custom forms on your own, check out our Custom Form Overview. If you'd like to enlist our Support Team's help, they'll need copies of whatever contracts or forms you want to use in LoanPro (some of which may have already been compiled during the contract matching phase above).
What we need to help you with Custom Forms
Please send us a copy of all contracts and other documents that you would like made custom for individual borrowers, such as contract agreements, billing statements, and late notices. We will need these documents in the following format:
- Convert each form to the .DOCX format
- Provide one original copy of the contract/form populated with loan and sample customer information (it also helps to highlight each field that you expect LoanPro to populate) and one copy of the same form but in a blank templated .DOCX version. If you have different versions of forms that vary per product and state and you would like to consolidate them, please work with your legal team in an attempt to restructure the contracts or forms. If consolidation from your end is not an option, please mention this to a Support Specialist, and we may be able to provide alternatives for consolidation based on the content that varies between forms.
- LoanPro will then format the template with specific context variables, and use the sample contract provided by the client to check for accuracy along the way. Please note that even though you provide a form in the .DOCX format, our team may need to make additional formatting updates. Any major changes that need to be made will be reviewed with your team.
- When completed, LoanPro will send you a sample copy of the form(s) to review for accuracy. With your permission, we will also create a sample loan with data in your account and provide instructions on how to test custom form generation through the UI.
- If you are using the API after you sign off on the completed forms we will provide your team with API Payload instruction and form IDs so these forms can be called during origination.
If you are not using the API for anything Custom Form related, but would like an automated way for your customers to e-sign Documents, we offer a DocuSign Integration. Our DocuSign Setup article has the details.
After you generate a custom form from the API, you may want to send the form to a third party e-signature provider and deliver the form to your customer for signature. After the document has been signed, the best practice is to upload the signed form directly to the customer’s account in LoanPro. We will provide a few helpful API links that will help you through this process.
6.3. Connections and Customer Communication – In the lending business, communication with your customers is critical to your success. Through Connections, LoanPro provides ways to easily communicate with your customers, including
You can communicate with your borrowers through these tools at any time. With email and SMS text, you can also set up automatic email and text messages that are based on either a loan event, or on the loan qualifying for a specific trigger. You can also set up Do Not Disturb times when no messages will be sent, so your customer will get a message first thing in the morning rather than the middle of the night.
To use these services, you will need to set up a Connections account. Our Connections article goes over setup and linking instructions. The setup for each of these communication tools is fairly straightforward, but a lengthy enough process that we won't go into detail here. Instead, you can see these articles about each tool:
- SMS Solutions by Text Setup
- Email Integration Setup
- Mailhouse Tool Setup
- Automated Notifications via Email, SMS or Mailhouse
- Connections Account Overview – Learn more about the Third Party Services connections offers that could help you during Loan Origination and Loan Servicing.
6.4. Customer Website – Many lenders use an online portal to let their customers make payments. We typically see lenders go one of two routes:
- LoanPro Customer Website – We offer an out-of-the-box solution for your customers to make online payments, scheduled AutoPays, view their loan history, and otherwise interact with their loan. This option is typically used with our Mid-Market Lenders. We do offer several options to match your company's style and control what your customers can view; however, since it is an out of the box solution, your features and customization options are ultimately limited.
- Lender Built Customer Website – If you already have a website or wish to build your own, you can integrate it with the LoanPro API. This is the most customizable option, but is also the most difficult to accomplish: It requires your own development team and the ability to host your own website. In your portal, you'll need to implement Customer Authentication, as well as GET requests retrieving information, and PUT/POST requests with the API.
- GET - Reading Attributes about the Customer/Loan to display on your pages
- PUT/POST - Making updates/changes to the loan, like posting payments or updating customer info.
Typically, our Enterprise Lenders opt to build their own customer portal because they have a tech team readily available to help code their projects. If you choose to build your own portal, our Support team can show your where you can retrieve specific fields via the API.
6.5. Other Servicing Features and Options – Here's a list of the other options that can help you improve and refine your loan servicing:
6.5.1. Collector Queue
The collector queue is designed to help you assign work to your collections employees. The collector queue lets you easily designate a group of loans that need collections performed on them and then assign that group to one of the users in your company.
6.5.2. Credit Reporting
LoanPro offers several options under the Credit category from pulling to reporting Credit.
Good data is a critical aspect of loan servicing. LoanPro offers several options for viewing data. Out of the box, we have four different report categories: Servicing, Transaction, Forecast, and Administration.
Commonly used reports are:
- Transactions > Payment Breakdown - The Payment Breakdown report is the most informative payments report. This report gives a breakdown of payments that have been made on customer accounts within your company over a date range.
- Administration > Historical Loan Archive - The Historical Loan Archive allows you to pull specific snapshot data from the loan as it existed on a specific date. For example, if you want to know what the Principal Balance was as of a specific date, this report has this information.
- Administration > Reverse Calculated Loan Archive - This report is similar to the Historical Archive, with a crucial difference: the Historical Archive shows daily loan data as it actually existed on the account by taking a snapshot of the data each day, but the Reverse Calculated Archive uses the current numbers on a loan to calculate what the numbers would have been in the past.
- Administration > Custom Query - The custom query lets you export values from LoanPro, chiefly present static values and calculated numbers. You can select the data and its order, and it will return to you formatted in a downloadable .csv file.
7. Payment Processing
LoanPro offers many options when it comes to processing payments from your borrowers. You can schedule AutoPays, automatic future payments that will process from your borrowers' payment method on a set frequency. You can also give your borrowers the option to call in and make a payment over the phone or through a customer portal. Listed below are several payment options we offer for both ACH and live bank card processing. To get a general idea of how LoanPro assists with payment processing see our article Payment Processing Overview.
7.1. E-checks – For e-check transactions, you can use NACHA files or one of our integrated ACH payment processors. We are also integrated with several companies who will process card transactions. If you accept cash payments, we also have a cash drawer feature that helps track and manage cash transactions at brick-and-mortar locations.
7.1.1. NACHA is the solution the majority of our Enterprise Clients use for processing ACH transactions because it's the most flexible prior to sending the transaction details to your bank. When a payment is logged in LoanPro, a corresponding transaction is posted to Secure Payments. At a daily cutoff time that you can specify, you can run a process that batches your transactions. With your transactions batched you have two options: Secure Payments can generated an Unbalanced NACHA file, or you can create the file yourself with JSON results.
- You can choose to have Secure Payments download the batched payments into an Unbalanced NACHA file. An unbalanced NACHA file is a specific type of format accepted by many banks. The NACHA file provided by Secure Payments is only in the Unbalanced format. We follow the unbalanced format designed by Wells Fargo. Your bank can tell you the specific requirements they have for accepting a NACHA file. The difference between Unbalanced and Balanced files is that with Unbalanced files you can only have one NACHA file per payment processor. All your company’s banking information is listed at the top and each transaction is then listed below. Balanced files allow you to have one NACHA file with multiple payment processors, this will list first the banking details on one line then the transactions that were submitted through that processor followed after. Prior to making your decision if this is the NACHA file type you want to use we recommend downloading the sample file linked below, submitting it to your bank and working with them to see if they will accept it. Here's a downloadable Sample Unbalanced NACHA File; just open it, right click, and select 'Save As'.
- You can create your own NACHA file with the batched JSON results; this is a popular option as well. After batching is complete you will send an API request to Secure Payments, which will provide you with JSON results. You will then be responsible to take these results and format your own file based on your bank's requirements. Creating your own file means you can scrub your transactions before formatting your file. If minimizing returned payments is a concern, scrubbing allows you to remove bad data from the list of transactions prior to submission to the bank.
7.1.2. Integrated Partners – LoanPro has a direct API integration with the companies listed below. After a payment is processed and logged in Loanpro it will send the customer banking information and transaction data through Secure Payments and on to one of the listed integrated partners. They will process and draw the funds from the customer's account within 1-4 business days and deliver the funds to your bank account. They will then send a response back to LoanPro updating us if the payment was successful or if it was returned for a specific reason. This option does come with payment processing fees and does not allow you to scrub any of your payment data prior to sending transaction information to the ACH processor. Those that want to reduce payment processing costs and have more flexibility with scrubbing payment data prior to the transaction reaching your bank will use a NACHA processor.
Please see the links below to learn more about these companies, these same links also include each company's underwriting application and pricing details.
7.1.3. ACH Returns – As with any kind of ACH processing, you will have payments that do not clear and those transactions will need to be reversed inside LoanPro. You will want to configure both R-Code and NSF Fee logic so that when a payment is returned, in addition to the payment being reversed, you have the option to inactivate the payment profile that was used to process the payment, cancel the recurring AutoPay that is setup or simply just reverse the payment and charge a fee.
- R-Code Configuration - Please review the link and help us know what logic you want configured when an R-Code is received.
- NSF Fee Configuration - Please review the link and help us know what fee amounts need to be set for NSF fees or any time a specific R-Code is returned. It will be best to send us your desired configuration in an organized document, as different states may require you to charge different amounts.
- Multiple Returns - LoanPro has a few features to help lenders comply with the small-dollar payment rule. This rule requires that if a payment profile (e.g. bank account) has two consecutive payments returned, then the owner of the payment profile must reauthorize its use before the lender can try to use it to process another payment.
7.2. Bank Card Processors – We recommend using Select Bankcard for bank card processing. We have found they provide the best customer support and their services are reliable. We have a total of four bank card integrated partners:
7.3. Other Payment Features and Options – Here's a list of the other options that can help you enhance and automate your payment processing.
7.3.1. Merchant Processor Groups
A payment processor can move funds from a borrower's account into your own account. Most processors, however, only deal with either bank cards or ACH transactions, and might only work with either US or Canadian accounts. To accept different payment types or payments from different countries, you would need to set up multiple processors. Similarly, you would need to set up multiple processors if your funds are going into several different bank accounts.
Assigning each loan or even payment to the correct processor can be a headache, but Merchant Processor Groups simplify the issue by linking together appropriate processors. That way, whether the payment is an ACH or bank card transaction, you can have it automatically go to the right processor and into your account. You can also use rules applied to send transactions to different processors, routing them to the correct account based on your processes and policies.
7.3.2. AutoPay Defaults
We need you to identify AutoPay defaults for both Debit Card and Bank Account, if applicable.
If you plan to set up each AutoPay manually via the UI, it will be important to set your defaults correctly. This makes it easier and convenient for your agents as they shouldn’t have to worry if the AutoPay Settings are configured correctly.
If you are using the API to create your AutoPays during origination you will need to manage these defaults at the payload level. If at any point your defaults change, we will make those updates in LoanPro and you will need to make the change in your payloads. Your payloads will be the source of truth. If you are required to have different defaults per loan product or state regulations you will make these changes/updates in your payload, not in LoanPro.
7.3.3. Payment Defaults
If a customer calls one of your servicing agents and would like to make a payment over the phone the agent will need to interact with the UI to process the payment. To avoid agent confusion, you need to make sure payment defaults are set before payments are processed.
Payment Waterfall Application refers to the order in which a payment applies to the various components of a loan. The most typical payment waterfall application is ‘Regular,’ which applies the payment first to Fees, Interest, then Principal; this is set as your default. We offer several other payment types and also give you the option to build your own, explained in our Create New Payment Type article.
You have the option to set a specific late fee configuration at your company level. If different loan products have different late fee arrangements, or if some of your borrowers live in states that regulate late fees, you have a few options to adjust this.
If you are creating loans manually via the UI, you can set the specific configuration on a Pre-Configured Loan. Using the Standard Loan Creation option, you can make the decision on a loan-by-loan basis. If you make it a part of your Custom Onboarding process, LoanPro will walk your agents through the process and give them your instructions regarding late fees.
If you create your loans via the API you will need to control this default/settings when your loan is first created in the system. This means that when a loan is originated, a specific API payload is sent to LoanPro to create the Loan Terms, Advanced Configurations and Late Fee Settings. You need middleware to identify these specific loan characteristics and assign the correct late fee settings to the payload that is passed through.
7.3.6. Convenience Charges
Your borrowers' payments might come with additional costs for you, depending on the payment method. In many regions, it is illegal to directly charge a fee for using different payment types. Convenience or service fees are a common workaround, being optional fees that can be charged to borrowers to indirectly recoup the cost of processing their transaction. This is a setting that can be configured in the payloads sent during origination or in the Loan Defaults if you create loans manually through the UI.
While convenience fees are generally aboveboard, some governments have enacted laws limiting their use, or requiring you to disclose these fees up front. We of course want all of our clients on the right side of the law, so you may want to consult your legal team on this decision.
7.4. Adding a Payment Processor – Once you have selected a Payment processor, you will need to add your processor credentials inside Secure Payments. Please follow the following instructions below to complete this.
Once you have completed the above steps, you can now start processing live payments or scheduling future AutoPays to be pulled from your borrowers accounts. Our articles on Setting up an AutoPay and Processing a Payment can help you navigate the next steps.
7.5. Not Using an Integrated Payment or NACHA Payment Processor? – We also have options to log cash or check payments manually If your company is not interested in using an integrated payment partner.
If you manage a relatively few transactions, it might be most convenient to just Log the Payment in the system manually.
If you deal with a larger number of check or cash transactions, our Payment Import tool may be a more efficient option.
8. Legacy Data Import
If you would like to migrate your Legacy Data from your existing LMS to LoanPro there are a few questions that need to be answered.
As a lender you need to first define your Launch Strategy. Would you like the LoanPro Mid-Market Success Specialist team to help guide you through this project, or would you like to take this project on yourself? Our recommendation is to involve our team as much as possible.
If you choose to have our Mid-Market Success Specialist Team help you with this project please send us an email to email@example.com and request a meeting. Our team will then host an Import Kickoff Meeting and share with you all the details needed to successfully get your data migrated to LoanPro. You will need to come prepared to answer the following questions:
- The Launch Strategy you have selected
- How many loans you plan to migrate
- Time frame of when you wish to be fully up and running in LoanPro
If you choose to take on this project yourself there are a series of help articles that you will need to read and become familiar with.
- The Import Process
- Data Import Overview
- Import System Troubleshooting and Best Practices
- Additional Import Help Material
9. Using the Software
9.1. Create a Loan
LoanPro offers three primary ways to manually create a loan.
- Standard Loan Creation has you enter all information manually. LoanPro will pull in your defaults for specific loan types or categories, but agent users will have the option to change them. This allows you to have complete control over every aspect of the loan setup.
- Pre-Configured Loans are ideal for specific loan products that vary little from loan to loan. You enter all of the loan information once and then save the pre-configured loan. When an agent creates a pre-configured loan, it's just a single click—all the information will be pulled in, and you'll just have to activate it.
- Custom Onboarding is similar to a process wizard. Your initial setup involves selecting different pages that the wizard will navigate through and adding any instructions that your agents will need. When an agent uses custom onboarding, the system then walks them through the process as you outlined it. Even agents with virtually no computer skill will be able to follow along, so they'll be able to focus on business rather than fighting the software.
9.2. Create Customer
When you create loans, you have the option to create customers alongside them, link existing customers, or leave them without a customer. After creating a loan, you can add or remove those customers from it. You can also create a new customer without associating them with a loan by navigating to Users > Customer Manager > Add.
9.3. AutoPay Process
AutoPay scheduling and processing will become a critical part of your Loan Servicing tool bag. This allows you to automatically process payments from customers without having to communicate with them. This saves you time and money in employee expenses, allowing you to grow your portfolio without growing your workforce. Also, with AutoPay defaults set to your liking, scheduling them will be even quicker.
9.4. Logging Payments
LoanPro Software allows you to log cash payments and process card and ACH transactions directly inside the software or through the API. Some of the basics are explained above in 6. Payment Processing , but we also have a suite of articles on payments here on our knowledge base.
9.5. Pulling Reports
As explained in 5.5.3. of the Loan Servicing section, LoanPro offers a wide variety of reports, including Payment Breakdown report, Charges report, Reverse Calculated report, or a Custom Query. You can read more on these reports and any others that pique your interest in the Reports Folder of our knowledge base. Additionally, you can automate the generation of any of the reports by Automatically Generating reports.
9.6. Process Wizards
Process wizards let you configure a set pathway that your agents can complete when performing certain tasks. You can select which pages the wizard will navigate to, and what instructions the system will display to your agents. This will cut down on the time needed for both training and day-to-day operations.
9.7. Using Bulk Tools
LoanPro offers a wide variety of tools that you can use to make servicing your loans easy. Whether it be the Collector Queue, the Email Tool, the Group Custom Forms Generator, or the Billing Statements we recommend to get familiar with our system tools to put the final touch on your getting started the process.