High Tide Capital
Lending / Underwriting
Overview
HiTide Capital needed a modern underwriting platform to manage their lending pipeline. I built the borrower-facing validation and contract flow using Next.js and TypeScript, with DocuSign integration for e-signatures.
The backend uses a PostgreSQL database designed with Prisma ORM to track applicant data, underwriting decisions, and loan status through the full lifecycle — from application to funding.
Challenge
The existing process was manual and fragmented — borrower documents were collected via email, contracts were signed offline, and loan tracking lived in spreadsheets. The goal was to digitize the entire flow into a single platform that could scale with the business.
Tech Stack
Architecture
Borrower-facing funnel (intake → identity → eligibility → contract) is a Next.js multi-step form with state persisted in Postgres at each step (so a borrower can resume a session). DocuSign integration runs through their webhook flow — the platform issues envelopes, listens for status changes, and updates loan state via a state machine that mirrors the underwriting team's actual process. Underwriter dashboards read from the same Prisma schema; no reporting database, no ETL.
Key Features
Borrower Validation
Multi-step borrower intake with identity verification, document upload, and eligibility checks before entering the underwriting pipeline.
Contract Flow
DocuSign integration for seamless e-signature workflows. Contracts are generated, sent, and tracked without leaving the platform.
Loan Tracking
PostgreSQL schema designed to track the full loan lifecycle — applications, underwriting decisions, and funding status with Prisma ORM.
What I Learned
- DocuSign's webhook reliability assumes you're paying attention. Idempotent state transitions + a reconciliation cron caught the misses their docs glossed over.
- Multi-step forms are stateful products, not one-off pages. Persisting after each step beats client-side state every time — borrowers refresh, lose connection, or come back days later.
- Underwriter workflows are the product. The borrower sees a funnel; the team sees a pipeline. Both views had to be first-class, not one as an afterthought.