CloudFiles for banking and lending
New accounts and loans stall while IDs wait for checks, statements for review and agreements for signature. CloudFiles checks IDs, collects loan files and returns signed agreements in Salesforce, so loan officers keep pace with applicants.
Less document chasing for every banking team
Salesforce holds every account, application and case, but the documents behind them live in inboxes, shared drives and mail merges. CloudFiles organizes, shares, checks and generates them on the record for every team that touches a loan.
The manual way
- Branch bankers save each applicant's IDs, statements and signed forms to shared drives, then hunt down the matching application form and attach each file by hand. With every branch feeding one pipeline, that matching holds applications at intake for days.
- Contact center agents scroll through Email-to-Case threads to find the payoff request, hardship letter or proof of insurance a borrower sent, then work out which loan it belongs to. The case sits in the queue, and the borrower calls again.
- Audit teams answering an auditor's request list pull loan files from shared drives, inboxes and Salesforce, then send them over piecemeal. Afterwards, nobody can show which files the auditors opened, or when their access ended.
- Relationship managers chase commercial borrowers for quarterly financial statements and compliance certificates by email, then read each one to check the covenants. A breach surfaces weeks late, long after the account needed attention.
- Collections teams build past-due notices and payment reminders by mail merge outside Salesforce, so the account never shows which letter went out or when. When a borrower disputes a notice, nobody can find the copy that was actually sent.
The CloudFiles way
- CloudFiles puts every applicant's documents on their own application form, for every loan in the pipeline. Every new application form receives a folder with set sub-folders when it is saved, so uploads through CloudFiles land in place and nobody files by hand.
- CloudFiles files every servicing document on its case and tells the agent what it is. Every Email-to-Case attachment is kept as a copy in the case's storage folder, where it is classified and matched to the right financial account before the case is routed.
- CloudFiles gives every audit one controlled room holding exactly the files on the request list. Loan folders join it from their Salesforce records, its link admits only the audit firm's domain, views are tracked by viewer, and the link is disabled at close.
- CloudFiles collects every borrower's quarterly financials on schedule and flags covenant breaches on arrival. A scheduled flow sends each borrower a request link, figures are checked against the account's covenant thresholds, and a breach opens a task.
- CloudFiles sends each delinquency letter from the financial account at the stage it is due. Notices and reminders are produced in one scheduled run from live balances, and a copy of every letter is filed in the account's folder for the next call.
Every loan document, organized from upload to signature
Six document jobs that banks and credit unions run on Salesforce Flow, each carried by CloudFiles on the accounts, application forms and opportunities they already use.
Account and loan folder automation
CloudFiles automates folder creation for every lead, account, application form and opportunity in Salesforce, so each borrower's documents sit in one structured folder in the bank's storage from first contact to funding.
- A record-triggered flow runs the create folder flow action as soon as an account or application form is saved, with the same sub-folders every time
- Every opportunity's folder sits inside its borrower's account folder, so a relationship manager sees all of a client's loans together
- Lead conversion carries the lead's folder, files included, into the new account through the move resource flow action
SharePoint integration for loan files
CloudFiles brings SharePoint and any other storage a bank already uses into Salesforce, so loan files stay in the bank's storage while officers open, preview and search them from the Salesforce record.
- Files dropped onto a record in Salesforce are copied into its SharePoint folder by the copy Salesforce files flow action, leaving one place to look
- Loan numbers and document types become SharePoint metadata, so any file in the loan book can be found later by its tags
- When an opportunity changes hands, storage access can be granted or revoked for the new loan team through the update permissions flow action
Borrower document collection and secure sharing
CloudFiles collects loan documents from borrowers through a secure link or the bank's Experience Cloud portal, files each upload on the application form in Salesforce, and shares documents back under the bank's control.
- The create file request flow action adds one request per required document to each application form's data room, so borrowers see what to send
- Borrowers who use the bank's Experience Cloud portal view and upload their own loan documents in the CloudFiles widget
- Disclosures leave Salesforce as secure links, and the update link settings flow action adds a password or switches a link off when the loan closes
KYC and ID document verification
CloudFiles automates KYC document verification in Salesforce. Each applicant's ID and proof of address form one dataset, checked against each other and the party profile, so specialists review only exceptions.
- The create dataset flow action groups the ID and proof of address uploaded to an account, so the two are checked as one set
- A CloudFiles Document AI workflow compares names, addresses and expiry dates across the set and the party profile, routing mismatches to a specialist
- Verified details become a KYC record through the document mapper flow action, with the ID file attached to that record
Loan document intake and underwriting review
CloudFiles runs loan document intake and underwriting review in Salesforce, from the first upload to a fully received checklist and the figures an underwriter needs on the application form.
- A combined PDF of pay stubs, statements and tax returns is split into separate, named documents by the split document using AI flow action
- Each document is classified and filed on arrival, and the matching document checklist item is marked received
- Underwriters get average balance, overdrafts or total deposits across every statement at once, answered from the borrower's dataset
Loan agreement generation and e-signature
CloudFiles generates loan agreements, closing packages and disclosures from the opportunity in Salesforce, sends them for e-signature and files each signed PDF back on the record.
- The get doc-gen templates flow action picks the right agreement template for each loan product, so one flow serves every product the bank offers
- Rates, terms and borrower details fill the agreement straight from the opportunity and its related records
- The generate document (batch) flow action bundles all closing documents into one envelope for e-signature, with signed copies filed on the opportunity
Key documents we handle for banking and lending
CloudFiles reads, files and produces the documents banks and credit unions handle most, and every other document your teams keep on a loan or account in Salesforce.
Driver's licenses and passports
The IDs that prove who each account holder and borrower is, kept on the account and checked before the account opens.
Bank statements and pay stubs
Proof of income and cash flow for each applicant, grouped into one set for the credit decision and kept with the application form.
Loan and account applications
CloudFiles files each completed application from the branch or the website in the application form's folder and matches it to the right applicant record.
Loan agreements and promissory notes
CloudFiles generates each agreement from the opportunity's data and puts the signed copy back on the same record once every signer has signed.
Disclosures and account terms
CloudFiles generates fee schedules, rate disclosures and account agreements in bulk from Salesforce records and shares them by a secure link that expires on the date you set.
Scanned branch packets
CloudFiles splits a stack of paperwork scanned at the branch as one PDF into separate, named files on the right account or application form.
Stay industry compliant
CloudFiles is independently audited for SOC 2 Type II, certified to ISO 27001, and compliant with HIPAA and GDPR. Data residency is supported in the US, EU, UK and AU. Your files stay in your own storage. CloudFiles never re-hosts them, and they are not used to train our AI models.
Frequently asked questions
CloudFiles creates a folder for every loan application in Salesforce the moment the application form, account or opportunity is created. The folder is built in the bank's storage with the same sub-folders every time, nested under the borrower's account folder and shown on the record page. Admins set this up with the create folder flow action in a record-triggered flow.
Yes. CloudFiles keeps Salesforce loan files in the storage the bank already uses, whether SharePoint, Google Drive, Azure Blob, Amazon S3 or another provider, and shows each loan's folder on its Salesforce record. Files attached in Salesforce are copied into that folder, so each document has one home, and every file keeps the permissions the bank set in storage.
Borrowers upload loan documents to Salesforce through a secure CloudFiles link that needs no Salesforce login. Each application form gets an upload space with one request per required document, such as pay stubs or bank statements, and every file lands in the record's folder in the bank's storage. The create file request flow action builds those requests automatically.
CloudFiles shares a loan disclosure from its Salesforce record as a secure link instead of an email attachment. The link can require a password, email verification or an approved email domain, can block downloads, and can be switched off when the loan closes. The record shows every view and download, so the loan officer knows when the borrower opened the disclosure.
CloudFiles automates KYC document verification inside Salesforce once an applicant's ID and proof of address are uploaded. Both are grouped into one dataset, a CloudFiles Document AI workflow checks that the name, address and expiry date agree across them and with the party profile, and the verified details are mapped onto a KYC record. Specialists review only the failures.
Salesforce tracks each required loan document as a document checklist item on the application form, with a status such as new, pending or accepted. CloudFiles can split each scanned packet, classify every upload as it arrives and mark the matching checklist item received. Loan officers see what is still missing on the application form without opening a single file.
Yes. CloudFiles groups the W-2s, pay stubs and bank statements on a loan application into one dataset inside Salesforce and answers underwriting questions across all of them at once, such as average balance, overdraft count or total deposits. The answers are written to application form fields, and any figure can be held for review beside its source page before it is saved.
Yes. A CloudFiles Document AI workflow runs the whole loan document process in Salesforce. It classifies each document, extracts its fields, matches them to Salesforce records, decides what happens next, and creates or updates records. Any change the bank wants checked waits for review, and every run is audited. Admins start the workflow from any Salesforce flow.
CloudFiles generates a loan agreement from the opportunity in Salesforce and files the signed PDF back on the same opportunity. The template for the loan product fills with the borrower, rate and term data on the opportunity, and the agreement, or the whole closing package, goes out in one e-signature envelope in the signing order the bank sets.
Yes. CloudFiles runs on Financial Services Cloud objects, including the application form, party profile and financial account, and with any other standard or custom object. It installs as a managed package from AppExchange, adds its document steps to the record-triggered and screen flows the bank already runs, and shows each record's files on the record page.
Book your personalized demo
See CloudFiles run on your own accounts, application forms and loan documents, inside your bank's Salesforce org.