> For the complete documentation index, see [llms.txt](https://docs.uptiq.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.uptiq.ai/retail-lending/release-notes/2026/november.md).

# November

Read the release notes for the initial Retail LOS release, shipped in November 2026.

> Review what the initial Retail LOS release includes. Each section links to the pages that explain it.

### Applicant experience

* One customer application covers several products.
* Applicants sign in with a magic link and can invite co-applicants.
* Prefill uses Plaid and Finicity.
* Document upload reads each document automatically.

<a class="button secondary">Read Docs</a> [Applicant Journey](/retail-lending/user-journeys/applicant-journey.md) · [Starting an Application](broken://pages/802GfCWuEgm8kc5qwK7F)

### Products

* Credit Card, Line of Credit, Unsecured Personal Loan, Business Term Loan, Scorecard Loan, and Auto Loan.

<a class="button secondary">Read Docs</a> [Sample Products](/retail-lending/sample-products.md) · [Product Configuration](broken://pages/h1BRHsVc3cwuzs0gW1IM)

### Configuration and decisioning

* Flow Designer builds the application flow.
* The visual workflow builder routes each step's outcomes.
* The credit decision matrix and its simulator decide each application, and scorecards add scoring.
* The document registry and checklists control which documents are asked for.

<a class="button secondary">Read Docs</a> [Flow Designer](broken://pages/ppvXFPRK3dMvYLASFBML) · [Workflows](broken://pages/HtrMw5Rb28SNfizcpoDI) · [Credit Decision Matrix](broken://pages/bSCpQ83uxYlKtmidq2n9) · [Scorecard Settings](broken://pages/GtXXWkUUkY8RY2brDBmz) · [Doc Registry](broken://pages/0XNfBdYukhwRQTQSUL6j)

### Pricing

* Rate card by tier and Prime-based variable rates.
* Locked offers.
* Underwriter rate and term overrides, and risk tier overrides.

<a class="button secondary">Read Docs</a> [Decisions, pricing and offers](broken://pages/jo3OJEsRNxMSgOW8D09V)

### Underwriting and operations

* Bank statement analysis, debt-to-income, and bank-based income verification.
* A role-based application workspace.
* Withdrawal and incompleteness handling, work queues, and identity reuse across applications.

<a class="button secondary">Read Docs</a> [Bank Statement Analysis](broken://pages/k70w0BYbx0jCXxOOS2VI) · [Application Record](broken://pages/JFF4ngUInPlRk5SpVF7A) · [Manage Queues](broken://pages/Z5lL0LhJf641nu5qRvHP) · [Working with Applications](broken://pages/q03nPFgZeOynQmTsiXJg)

### Integrations

* Sumsub, Plaid, Finicity, Middesk, Cobalt, CRS, J.D. Power, PandaDoc, Resend, Azure email, Document AI, and TValue.

<a class="button secondary">Read Docs</a> [Integrations](broken://pages/HDQLTIGTmB72aE21K90r) · [Third-party integrations](broken://pages/7DkOrrjQPbezfGYpark5)

***

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<p align="right"><em>Maintained by</em> <mark style="color:green;">Abhishek Paul</mark><br><code>AI-assisted, human-approved</code></p>
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<div align="left"><img src="https://2966508920-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Ff06WQMAu97E0STor0yyS%2Fuploads%2Fgit-blob-d034645b4f8f8ee661985f5306b60ded3289653c%2Fmaintainer-abhishek-paul.png?alt=media" alt="" width="60"></div>
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