> ## Documentation Index
> Fetch the complete documentation index at: https://docs.myfundingmachine.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Submit a Client

> Learn how to submit a new client for funding in Funding Machine, including required fields, documents, and tips for faster processing.

# Submit a Client

Submitting a client sends them to the processing team for credit analysis and funding plan creation. Complete, accurate submissions get processed fastest.

## How to Submit

<Steps>
  <Step title="Go to Applicants">
    Click "Applicants" in the left sidebar.
  </Step>

  <Step title="Click Add Applicant">
    Click the "Add Applicant" button in the top right.
  </Step>

  <Step title="Fill in Client Details">
    Enter all required fields (see table below). The more complete the submission, the faster processing goes.
  </Step>

  <Step title="Submit for Processing">
    Click Submit. The client enters the processing queue immediately.
  </Step>
</Steps>

<Warning>Submitting a client authorizes a hard credit pull. Make sure you have your client's explicit written consent before submitting. Unauthorized credit pulls can result in legal liability.</Warning>

## Required vs Optional Fields

| Field                | Required    | Why It Matters                                                                  |
| -------------------- | ----------- | ------------------------------------------------------------------------------- |
| **First Name**       | Yes         | Identifies the client on credit bureaus                                         |
| **Last Name**        | Yes         | Must match exactly as it appears on their credit file                           |
| **Email**            | Yes         | Used for client communications and lender applications                          |
| **Phone**            | Yes         | Lenders may contact clients directly for verification                           |
| **Date of Birth**    | Yes         | Required for credit bureau matching — an incorrect DOB will cause a failed pull |
| **SSN**              | Yes         | Required for the credit pull — must be accurate to the digit                    |
| **Annual Income**    | Yes         | Determines which funding products the client qualifies for                      |
| **Home Ownership**   | Yes         | Affects eligibility for certain loan products and credit limits                 |
| **Address**          | Recommended | Improves credit bureau matching accuracy and is required by most lenders        |
| **Employer**         | Optional    | Strengthens applications for term loans and SBA products                        |
| **Monthly Expenses** | Optional    | Helps processors build a more accurate funding plan                             |

<Tip>Double-check the SSN and Date of Birth before submitting. Typos in these fields cause failed credit pulls, which delays your client by at least a day while the issue is resolved.</Tip>

## What Happens Next

1. Your client enters the **processing queue**
2. A processor is assigned (either automatically or manually)
3. Credit reports are pulled and analyzed
4. A funding plan is created based on their credit profile
5. Applications are submitted to lenders
6. You're notified when funding is approved or declined

## Tracking Your Submission

After submitting, you can track progress from:

* **Dashboard** — Recent Activity table shows status updates
* **Applicants** — Full list with current status for each client
* **Clients** — Once approved, clients appear here with funded amounts

## Processing Timeline

The target turnaround is **3 business days** from submission to completion. You'll receive notifications as your client moves through the pipeline.

<Info>Submissions with complete information (all required + recommended fields) are typically processed faster than those missing details. Incomplete submissions may trigger an "Additional Info Required" status, which pauses the clock until you respond.</Info>

## Frequently Asked Questions

<AccordionGroup>
  <Accordion title="Can I edit a client's information after submitting?">
    Yes. Open the client's detail page from the Applicants list and update any fields. If a credit pull has already been completed, some fields (like SSN) can no longer be changed.
  </Accordion>

  <Accordion title="What if the credit pull fails?">
    Failed pulls are usually caused by an incorrect SSN or Date of Birth. Check the client's detail page for the error, correct the information, and the processing team will re-pull.
  </Accordion>

  <Accordion title="Can I submit the same client twice?">
    The system will flag duplicate submissions based on SSN. If you need to resubmit a previously declined client, contact your account manager to discuss timing — resubmitting too soon can hurt their chances.
  </Accordion>

  <Accordion title="Is there a limit to how many clients I can submit?">
    No. Submit as many clients as you have. The processing team scales to handle your volume.
  </Accordion>
</AccordionGroup>

## Related Pages

<CardGroup cols={2}>
  <Card title="Applicants" icon="users" href="/operators/funding/applicants">
    View and manage all your submitted clients
  </Card>

  <Card title="Checking Status" icon="clock" href="/operators/funding/checking-status">
    Track where your client is in the pipeline
  </Card>

  <Card title="Credit Reports" icon="file-lines" href="/operators/funding/credit-reports">
    Understand the credit analysis behind funding decisions
  </Card>

  <Card title="Your Dashboard" icon="chart-pie" href="/operators/getting-started/dashboard">
    Monitor your overall submission metrics
  </Card>
</CardGroup>