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lyteos.com
From first textto funded
One platform that does it all — the texting, the applications, the bank statement reading, the lender offers. We built every piece ourselves, so it all just works together.
Everything your desk runs on
We do everything.
And it's all ours.
Lyte runs your whole deal, start to finish. And we didn't plug any of it in — the SMS is ours, the apply form is ours, the underwriting engine is ours. One login does it all.
Outreach
Blast SMS and email campaigns from your own numbers.
Conversation
The AI answers every reply in seconds and qualifies the lead.
Application
Your branded apply form collects the app, docs, and e-signature.
Underwriting
Statements analyzed, positions detected, tampering flagged.
Placement
Send to lenders and compare offers side by side.
Funding
Contracts e-signed, the wire lands, commissions tracked.
Renewal
Renewal windows surface themselves — the cycle restarts.
Everything below is the real product — click a stage to see it.
lyte SMSStages 01–02 · Outreach & Conversations
You hit send.
The AI does the talking.
Blast thousands of leads from numbers that live inside Lyte — no third-party texting app. When they text back, the AI answers every single one. These are the two screens that do it.
Campaigns
| Campaign | User | Contacts | Progress | Status | Created | |
|---|---|---|---|---|---|---|
Q3 Pipeline Blast Hey {first_name}, quick question about funding for your business… | JR Jordan Reyes | 2,847 | 98% Delivered 2,801 | Completed | Today, 9:14 AM | Retarget |
Follow-up: No Response Just circling back — still interested in that working capital? | MP Maya Patel | 1,204 | 99% Delivered 1,187 | Completed | Today, 11:02 AM | Retarget |
Renewal Offer — July You're eligible for a renewal at a better rate this month. | JR Jordan Reyes | 486 | 99% Delivered 481 | Completed | July 2, 2026, 9:00 AM | Retarget |
Stale Leads Reactivation It's been a while — rates just dropped for businesses like yours. | CW Chris Walker | 1,978 | 98% Delivered 1,942 | Completed | June 24, 2026, 2:30 PM | Retarget |
Equipment Financing Promo Financing new equipment? We fund up to $250k same-day. | MP Maya Patel | 912 | 98% Delivered 897 | Completed | June 18, 2026, 10:15 AM | Retarget |
New Number Warm-up Hi {first_name}, this is {rep} from your funding desk. | CW Chris Walker | 150 | 99% Delivered 148 | Completed | June 12, 2026, 8:00 AM | Retarget |
The real campaigns page — filters, live delivery progress, per-rep sending, and one-click retargeting
Blast exactly who you mean
Build the audience from your pipeline — by status, rep, or import batch. Lyte de-dupes every number before it sends.
Reads like you typed it
Drop merge fields into the message and every lead gets their own text — filled straight from the lead record.
becomes
First name, last name, phone, email, company — previewed on real contacts before you send.
Retarget in one click
Re-blast everyone who didn't respond — Lyte pulls the original recipient list, drops anyone who replied or opted out, and queues the rest on a fresh message.
Thousands of conversations.
One AI, answering all of them.
Send a campaign and hundreds of leads text back at once. The AI talks to all of them at the same time — nobody waits, nothing sits unread.
12,384
conversations handled by the AI today
2.4M
messages handled by Lyte AI
94%
of conversations resolved without a human
3s
median first reply, day or night
24/7
qualifying leads while your team sleeps
Dana Whitfield
AI: Happy to help — roughly what's the business doing in monthly revenue?
Luis Herrera
AI: We work with all credit profiles — it's more about revenue and deposits.
Amy Chen
AI: What's the best email to send your application to?
Omar Said
AI: SBA, term loans, a line of credit, or a consolidation — which fits best?
Keisha Brown
AI: Just sent the application over — check your inbox and spam.
Victor Reyes
AI: Zero broker fees on our end. How much working capital do you need?
Nina Patel
AI: Got it — a rep will follow up once your statements are in.
Dana Whitfield
AI: Happy to help — roughly what's the business doing in monthly revenue?
Luis Herrera
AI: We work with all credit profiles — it's more about revenue and deposits.
Amy Chen
AI: What's the best email to send your application to?
Omar Said
AI: SBA, term loans, a line of credit, or a consolidation — which fits best?
Keisha Brown
AI: Just sent the application over — check your inbox and spam.
Victor Reyes
AI: Zero broker fees on our end. How much working capital do you need?
Nina Patel
AI: Got it — a rep will follow up once your statements are in.
Carlos Vega
AI: The application takes under 2 minutes and won't affect your credit.
Emma Kowalski
AI: Quick nudge — were you able to get the application in?
Jamal Carter
AI: Did the application come through? Anything holding you up?
Rosa Martinez
AI: I've booked your callback for 2pm tomorrow 👍
Tom Nguyen
AI: Got it — I have the $75k noted. Let me know once it's submitted.
Aisha Bello
AI: No problem — want me to remind you next week instead?
Greg Olsen
AI: How long has the business been operating?
Carlos Vega
AI: The application takes under 2 minutes and won't affect your credit.
Emma Kowalski
AI: Quick nudge — were you able to get the application in?
Jamal Carter
AI: Did the application come through? Anything holding you up?
Rosa Martinez
AI: I've booked your callback for 2pm tomorrow 👍
Tom Nguyen
AI: Got it — I have the $75k noted. Let me know once it's submitted.
Aisha Bello
AI: No problem — want me to remind you next week instead?
Greg Olsen
AI: How long has the business been operating?
Every reply is the kind the AI sends on its own — instantly, on every number you run
lyte ApplyStage 03 · Application
Your own apply form.
Branded like your shop.
Send one link. The merchant answers step by step, uploads statements, and signs — on a page with your logo, your colors, your domain. The moment they hit submit, it's a deal in your pipeline.
Business · 4 of 9
How much funding do you need?
No impact to your credit score | Copyright © 2026 Sunrise Capital
The real apply form in the SBG layout — the merchant sees your brand, your colors, your domain. Lyte is invisible.
Your brand on the door
Your logo, your colors, your fonts, your confirmation page — merchants never see Lyte. Pick between layouts and it's live on your link.
Docs & signature, in the form
Statements, license, voided check, and the e-signature are collected inside the application — no follow-up email chain to get the file.
Signed · Marcus Delgado · IP + timestamp recorded
Send to lenders in one click
Pick from your lender list — API lenders get the deal instantly, the rest get your packaged email with the statements attached.
lyte UnderwritingStage 04 · Underwriting
Underwriting, done for you
Drop in the bank statements and Lyte does the reading — pulls the numbers, finds hidden positions, catches tampered files. Our own engine, so statements never leave the platform.
Bank statement analysis
Underwrite in seconds, not hours.
A merchant's statements land in your inbox — but pulling revenue, withdrawals and balances by hand takes forever, and a fat-fingered number can blow the deal.
Now Lyte reads every page automatically — monthly revenue, withdrawals, average daily balance and negative days — and flags NSF events, tampered PDFs and other red flags before a lender ever sees them.
Bank Statement Analysis
3| Period | Bank / Acct | Revenue | Withdrawals | Txns | Neg Days | Avg Daily Bal | Ending Bal |
|---|---|---|---|---|---|---|---|
| May 2026 | Chase, ····4471 | $142,800 | $125,100 | 226 | 0 | $21,300 | $28,750 |
| Apr 2026 | Chase, ····4471 | $145,200 | $129,800 | 231 | 1 | $19,900 | $24,500 |
| Mar 2026 | Chase, ····4471 | $138,500 | $121,400 | 214 | 2 | $18,600 | $22,150 |
| Avg | $142,167 | $125,433 | 224 | 3 | $19,933 |
Position detection
See every stacked advance.
The merchant swears they only have one position — but stacked advances hide in the transaction history and quietly tank your approval.
Now Lyte surfaces every active and closed position — payment cadence, balance remaining, and the funding deposit that proves it, down to the page.
Positions
2Lender offers
Place the deal faster.
You blast a deal out to lenders — then live in your inbox chasing replies and re-keying terms into a spreadsheet to compare them.
Now every offer streams back into one view: amount, factor, term and payment, side by side, so you pick the best and fund.
Lender Offers
3Watermark & fraud detection
Flags tampered PDFs and altered figures before they reach your lenders
NSF & overdraft tracking
Every negative-balance event counted and highlighted automatically
Multi-statement merge
Upload 1–12 months across multiple accounts — Lyte merges them correctly
Works with any bank
Chase, BofA, Wells Fargo, TD, Regions — PDF or CSV, Lyte reads them all
lyte DealsStage 05 · Placement
Every deal, one screen
Click any application and everything is already there — the analyzed bank statements, the documents, the lender offers, and every text and email with the merchant. No tabs, no digging, no "let me find that."
The real application view — bank statement analysis, positions, offers, documents & comms in one place
The merchant, analyzed
Bank statement analysis, detected positions, and lender offers sit on the left — the AI reads the statements so the numbers are just there.
The deal, documented
The full merchant record in the middle — application details, uploaded documents, stips, and the status stepper from New to Funded.
The conversation, attached
SMS, email, notes, and lender comms on the right — every message tied to this deal, so context never lives in someone's phone.
The placement, one click
Send to lenders straight from the deal, watch offers stream back in, and move the stepper to Funded without leaving the screen.
We built
every layer
No Twilio behind the texting. No Ocrolus behind the statements. No Jotform behind the forms. Every layer of Lyte is Lyte — written by us, running on our stack, working on the same deal.
Everything talks
The AI inbox can quote the statement engine's numbers because they're the same system — not two apps syncing.
One bill
No CRM seat fees with five vendor invoices riding on top. You pay for Lyte, and that's the whole stack.
Nothing breaks in between
No syncs, no third-party APIs going down, no "that's the vendor's problem." If it's in Lyte, we own it and we fix it.
lyteOne loginAI inbox & follow-ups
Replies, qualifying, chasing docs
Statement engine
Revenue, positions, tamper checks
Apply forms & e-sign
Branded link, docs, signatures
SMS & email rails
Your numbers and domains live here
One deal record
Every layer writes to the same deal
Every layer ships with Lyte — nothing rented, nothing plugged in
Every tool you juggle,
absorbed into one.
Most brokers pay for seven different apps and spend all day copying things between them. Lyte does all seven jobs by itself — one bill, one login, nothing to copy.
Salesforce / HubSpot
Generic CRM
A pipeline built for MCA — leads, offers, stips, funded deals
Gmail
Emailing lenders
Lender email threading, tied to the deal
Google Sheets
Tracking the pipeline
Live board with stage tracking that updates itself
DocuSign / PDFs
Application collection
Branded multi-step application with e-sign and file upload
TextNow / personal cell
Texting merchants
Business SMS inbox with full history and AI replies
Sticky notes / memory
Following up
Automated follow-ups triggered on any event
7+
tools replaced
1
login, one bill
0
copy-paste between apps
Ready to cut the stack?
One login, one bill — from first text to funded.
There's much, much more
waiting inside.
The homepage walks one deal through five stages. The platform runs your whole shop — this is everything else you'll find once you're in.
…plus the admin desk that runs it all. The real tour happens on a demo.
One plan. Everything included.
Every workspace gets the whole platform — every feature, every stage of the deal. The price just depends on your team size and volume.
Lyte
Everything you need to run your brokerage — from one rep to a full ISO operation.
Reach out and we'll build a plan around your team size and volume.
- Unlimited team members
- Branded application form builder
- Unlimited active leads
- PDF generation & document management
- Merchant SMS + email campaigns
- Lender outreach automation
- Bulk SMS campaigns
- Role-based permissions
- Inbound routing engine
- White-label option
- Dedicated account manager
- Priority support
01
Tell us about your desk
Team size, monthly volume, and which channels you run — a 15-minute call is all it takes.
02
Get a plan built for you
One price around your team and volume. Every workspace gets the full platform — nothing is gated.
03
Migrate in days, not months
We import your leads, contacts, and templates, set up your numbers, and train your team.
Migration included
We move your leads, contacts, and pipeline over with you — you don't start from zero.
Run your whole shop
on one platform.
Run every deal from first text to funded on one platform — the texting, the applications, the bank analysis, the lender offers. Get started today, or book a demo and we'll walk you through it.