Pay-as-you-go eSignatures let lenders pay only for what they use, reducing unnecessary software costs.
Digital signatures eliminate expenses from paper, printing, mailing, and document storage.
Faster loan closings and reduced errors mean measurable ROI and higher borrower satisfaction.
Crypton’s embedded eSignature platform helps lenders control spending while improving speed and compliance.
In today’s lending industry, efficiency equals profit. Every day a loan sits waiting for a signature, it costs money in staff hours, missed opportunities, and slower funding. Traditional signing methods, from mailing physical documents to managing paper files, drain resources and delay revenue.
That’s why more lenders are switching to eSignatures, and specifically, to a pay-as-you-go model. Instead of paying monthly for unused capacity, lenders only pay for what they use. The result? Lower operating costs, faster processing, and more control over digital transformation budgets.
This guide explores how pay-as-you-go eSignatures help lenders save money, boost productivity, and deliver better borrower experiences, all while strengthening compliance and ROI.
A pay-as-you-go eSignature plan charges based on actual use, for example, per document sent, per envelope signed, or per transaction completed. Unlike traditional subscription models that charge a flat monthly or annual fee regardless of usage, this approach gives lenders total cost flexibility.
For lenders, that means no more paying for unused licenses during slower months. If business volume spikes, such as during refinancing booms or seasonal lending cycles, the system scales effortlessly. When activity dips, spending decreases automatically.
Many pay-as-you-go systems, including Crypton’s embedded eSignature solution, also integrate directly with lending software. This eliminates manual steps and keeps all documentation secure and auditable, further increasing efficiency.
The average lender handles hundreds or even thousands of pages per week, loan agreements, disclosures, title documents, and more. Printing, mailing, and storing these physical files adds up quickly.
With eSignatures, every step becomes digital. There’s no need for paper, toner, envelopes, or postage. A single digital signature replaces stacks of forms and filing cabinets, reducing both material and storage costs.
Manually handling loan documents requires significant staff time, printing, scanning, organizing, and chasing signatures. With an automated eSignature process, lenders save hours per transaction.
Staff can focus on core lending tasks like underwriting or customer service instead of paperwork; this labor savings compounds over time, especially for high-volume lenders.
Every delayed signature extends the time before a loan closes. eSignatures eliminate those delays. Borrowers can review and sign documents from anywhere, at any time, on any device.
This flexibility accelerates closing cycles, allowing lenders to fund faster and free up capital for new loans. Faster closings also improve borrower satisfaction and reduce the risk of drop-offs during the application process.
Traditional eSignature subscriptions often include a fixed number of “envelopes” per month. If a lender uses less, that money is wasted. If volume unexpectedly increases, costs can spike from overage fees.
Pay-as-you-go models solve this by aligning cost directly with usage. Lenders pay only when a transaction occurs, making budgeting simpler and eliminating the fear of paying for unused capacity.
For lenders whose document volume fluctuates with market conditions, this model offers ideal cost control and scalability.
Compliance audits and document integrity are major cost centers in lending. Lost paperwork or unsigned pages can trigger penalties or delay funding.
Digital eSignatures provide a clear audit trail, time stamps, and secure encryption. This reduces the risk of compliance issues and eliminates the time and cost of retrieving or verifying physical documents later.
Understanding how eSignatures deliver return on investment (ROI) starts with identifying the right metrics.
For lenders using Crypton’s embedded eSignature workflows, these gains are even greater. Because the signing process happens directly inside the loan platform, lenders save time, avoid switching between systems, and keep every transaction secure and compliant.
Crypton’s eSignature platform is built specifically for digital lending environments, focusing on cost-efficiency, simplicity, and scalability.
1. Transaction-Based Pricing for Real Savings
With Crypton, lenders pay only for sent envelopes. There are no seat licenses, no hidden fees, and no unused subscription credits. Whether you process ten loans a month or ten thousand, your costs always match your activity.
2. Seamless Integration
Crypton’s eSignature solution embeds directly within your loan origination or servicing platform. Borrowers never have to leave the interface, and staff can send documents for signing without switching systems. This reduces training needs, shortens processing time, and lowers IT overhead.
3. Built for Security and Compliance
Every signature includes encryption, time stamps, and a full digital audit trail. That means lenders can meet regulatory requirements effortlessly while maintaining borrower trust.
Because the signing process happens directly inside the loan platform, lenders save time, avoid switching between systems, and keep every transaction secure and compliant.
4. Scalable for Any Lending Volume
From community lenders to large financial institutions, Crypton’s flexible architecture adapts to your workflow. When demand grows, the system scales automatically, no renegotiation, no downtime, no wasted spend.
5. Clear ROI Advantage
By combining transaction-based pricing with embedded workflow integration, Crypton gives lenders a double savings effect: lower direct costs and greater efficiency. It’s a model that’s practical, measurable, and built for growth.
Switching to pay-as-you-go eSignatures doesn’t have to be complex. Here’s how lenders can implement successfully and start saving fast:
The shift to digital lending isn’t just about convenience; it’s about profitability. Pay-as-you-go eSignatures allow lenders to cut unnecessary costs, eliminate wasted subscription fees, and streamline every document transaction.
For lenders, the ability to pay only for what you use while delivering faster, more reliable service is a clear competitive edge. Add in the security, compliance, and integration capabilities of Crypton’s eSignature platform, and the ROI becomes even more compelling.
Ready to see how much your lending operation can save?
What does pay-as-you-go eSignature mean for lenders?
It means lenders only pay for each transaction completed, no monthly license fees, no wasted capacity, and complete cost flexibility.
How much can lenders save by using eSignatures?
Savings vary by lender, but many see up to an 80% reduction in document-handling costs and faster closings that free up capital sooner.
Are eSignatures legally valid for loan documents?
Yes. eSignatures are legally recognized under U.S. laws such as ESIGN and UETA, making them valid for loan agreements, disclosures, and contracts.
When should a lender choose pay-as-you-go versus subscription?
If your lending volume fluctuates seasonally or you’re starting digital adoption, pay-as-you-go is ideal. High-volume lenders with steady demand may prefer hybrid models.
What metrics should lenders track to evaluate ROI?
Track cost per document, time to close, borrower satisfaction, and NIGO rates. These metrics show direct financial and operational impact.
How quickly can lenders implement a pay-as-you-go eSignature solution?
With Crypton, setup can be completed in days, not months, and no complex coding or major system overhaul is needed.
Does embedded eSignature require major system changes?
No. Crypton’s solution integrates directly into your existing platform, allowing teams to start using eSignatures without workflow disruption.