Frequently Asked
Questions

Automate Loan Docs was created by Anthony Geraci and the attorneys at Geraci LLP, the nation's premier private lending law firm. Anthony is one of the most recognized figures in the private lending industry, with over 20 years of experience in loan documentation, litigation, regulatory compliance, fund formation, and more. Every document on the platform is drafted and maintained by his legal team.

Automate Loan Docs is the only document automation platform built by a law firm whose team has spent over three combined decades drafting, litigating, and enforcing private lending documents. Our templates aren't theoretical — they've been tested in court. We also incorporate AI-powered intelligence to automatically handle state compliance, document recommendations, and pre-generation review, which no other platform in the space offers at this level.

The platform currently offers Promissory Notes, Deeds of Trust, Mortgages, Loan Agreements, Guaranty Agreements, Disclosures, Compliance Riders, Extensions and Modifications, Construction and Draw Documents, and additional supporting documents. We continue to expand our document library based on industry needs.

Yes. Automate Loan Docs provides state-specific templates, mandatory disclosures, and compliance riders for all 50 states. Our legal team continuously monitors regulatory changes and updates the platform accordingly, so you're always generating compliant documents.

Our AI engine analyzes your deal terms and automatically recommends the right document package for your transaction. It applies state-specific compliance requirements without manual research, flags potential issues like conflicting terms or missing provisions, and adapts to your lending preferences over time. The AI is built on top of 30+ years of legal expertise — it's not generic automation, it's intelligent legal technology.

Absolutely. The platform supports custom clauses, lender-specific boilerplate language, company branding (name, logo, contact information), and adjustable deal terms. You can build and save a custom clause library that reflects how you lend, and the platform will remember your preferences.

We offer API access and LOS integration options for Enterprise plan customers. If you're using a specific loan origination system and want to explore integration, contact our team to discuss your technical requirements.

We offer three tiers — Starter, Professional, and Enterprise — designed to fit different lending volumes and needs. Contact us for current pricing details. All plans include state-specific compliance and attorney-drafted templates.

Contact our team to learn about current trial and demo options. We're happy to walk you through the platform and show you how it works with your specific lending needs.

You can start immediately by visiting app.automateloandocs.com to create your account. If you'd like a walkthrough first, contact our team and we'll schedule a demo.

Yes. Every document on the platform is drafted by licensed attorneys at Geraci LLP who specialize in private lending law. These are the same attorneys who litigate loan defaults and enforce these documents in court. The templates are designed to be court-ready and compliant with applicable state and federal regulations.

Our legal team continuously monitors regulatory changes across all 50 states and updates templates as needed. When laws change, the platform updates — you don't need to track regulatory developments yourself.

No. Automate Loan Docs is a self-service document generation platform. Using the platform does not create an attorney-client relationship with Geraci LLP. If you need legal advice for a specific transaction, we recommend consulting with a licensed attorney.

A private money lender (also called a hard money lender) is an individual or company that provides loans secured by real estate, typically for business purposes such as fix-and-flip, bridge, construction, or investment property financing. Private money lenders offer faster closings and more flexible terms than traditional banks, serving borrowers who may not qualify for conventional financing or need to move quickly.

Yes. Private money lending and hard money lending refer to the same type of lending: non-bank loans secured by real estate, typically for business purposes. The industry is increasingly using the term "private money lending" as it more accurately reflects the modern, professional nature of the industry. Both terms are widely recognized and Automate Loan Docs serves both private money lenders and hard money lenders.

A private money lender typically needs a Promissory Note, Deed of Trust or Mortgage (depending on the state), Loan Agreement, Personal Guaranty, state-specific disclosures, compliance riders, and for construction or fix-and-flip loans, draw agreements and completion guarantees. Automate Loan Docs generates all of these automatically based on your deal terms and the state where the property is located. Read our complete guide to loan documents.

A deed of trust is a three-party security instrument (borrower, lender, trustee) that typically allows non-judicial foreclosure — faster and less expensive. A mortgage is a two-party instrument (borrower, lender) that usually requires judicial foreclosure through the courts. Which instrument is used depends on the state where the property is located. Automate Loan Docs automatically generates the correct instrument for each state. Read our state-by-state guide.

Generally, no. Business-purpose loans are exempt from TILA (Truth in Lending Act) and most consumer lending regulations. However, the business purpose must be properly documented. If a loan is consumer-purpose (e.g., the borrower will live in the property), TILA and other regulations apply. Read our compliance guide for more details.

Licensing requirements vary significantly by state. States like Oregon, Washington, and Nevada require licensing even for business-purpose loans. Others have broad exemptions. California has a unique framework involving DRE and DFPI licenses. A licensing analysis should always be conducted before lending in any new state. Read our multi-state lending guide.