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From pricing loans to managing your pipeline, ESHL’s official Arive Hub gives you everything you need to confidently navigate and succeed in Arive.

ARIVE Post-Closing Document Checklist
    1. Soon, completing this checklist will be required for each loan. Once the checklist is complete, please send an email to our team at: ArivePostQC@equitysmartloans.com.
Download the Checklist
Accessing the Arive Platform
  1. Ensure you have your Logins: If you haven’t received any credentials please reach out to ITSupport@equitysmartloans.com
  2. Go to our special URL: https://equitysmart.myarive.com/
ARIVE Compliance Training

In this training, Vanessa Arellano presents the Phase 2 compliance guidelines for using Arive as Equity Smart’s primary loan origination system and system of record. She details the end-to-end loan workflow from application intake and customer identification (CIP) to milestones, non-delegated requirements, and pricing accuracy. 

Additionally, she introduces new system trigger alerts and a post-closing document checklist to ensure all funded loan files are completely audit-ready.

Training Videos

Click on Session 1 to get started on your Arive training that were tailored made for our Loan Officers. We also have a FAQ section down below but if you have any further questions or need clarification you can always reach out to our LOSupport team by filling out the contact form below.

LOS Policy FAQs
Do I qualify for a company-paid ARIVE account?

Loan Officers who closed at least one (1) loan in 2025 will be onboarded with a company-paid ARIVE account. Loan Officers who did not meet this threshold will be onboarded with a self-paid ARIVE account.

If I am on a self-paid account, can I still originate loans?

Yes. A self-paid ARIVE account does not restrict your ability to originate loans or submit business. The difference is limited to how the ARIVE subscription fee is paid.

What if I don’t need ARIVE access right now?

If you do not anticipate originating loans and do not need system access, you are not required to maintain an ARIVE account. Email LOsupport@equitysmartloans.com to opt out of provisioning or billing. When you are ready to originate loans, you may request activation at that time.

Can I move from a self-paid account to a company-paid account later?

Yes. Loan Officers who begin producing and meet company eligibility requirements may be requalified for company-paid access. Requalification will be reviewed by Sales and Operations Leadership based on production and business activity.

Who should I contact if I believe my situation requires an exception?

Exception requests should be submitted to LOsupport@equitysmartloans.com and will be reviewed on a case-by-case basis by Sales and Operations Leadership.

How does this affect Branch Managers and Team Managers?

Branch Managers and Team Managers will continue to receive company-paid ARIVE access as required for oversight, reporting, and operational responsibilities. This access is not dependent on individual loan production and ensures managers can effectively support and supervise their teams during and after the LOS transition.

What performance benchmark is required to keep Company-Paid access?

Loan Officers must:

  • Close at least one (1) loan per quarter
  • Maintain active LOS usage and pipeline activity

Participate in required trainings, meetings, and company activities

How and when is performance reviewed?
  • LOS usage, pipeline activity, and production are reviewed quarterly
  • Participation and engagement may also be reviewed monthly

If you are at risk of missing the benchmark, you will receive written notice at least 14 days before quarter-end

What happens if I don’t meet the performance benchmark?

If the benchmark is not met:

  • Your LOS access may be transitioned to a Self-Paid account
  • You will be responsible for the subscription cost starting the next billing cycle after the quarter ends
  • The company will provide written notice of the transition
If I move to Self-Paid, can I get Company-Paid access back?

Yes. You may request reinstatement by:

  • Meeting the Company Performance Benchmark
  • Submitting a written request with supporting documentation
  • Demonstrating active participation and compliance

Reinstatement is not automatic and is reviewed by management.

General FAQs

General Overview

ARIVE is our new Loan Origination System that will replace our current platform. It is an all-in-one system designed to streamline pricing, loan setup, disclosures, processing, and lender submission.

ARIVE is the first all-in-one platform built specifically for independent loan originators—combining LOS, POS, PPE, and a connected Lender Marketplace in one seamless system. With high-touch support, no setup or onboarding fees, and a free trial, brokers can explore the full platform risk-free. 

Switching to ARIVE doesn’t just upgrade your tech—it eliminates dozens of extra tools and monthly expenses you’re likely paying for today.

ARIVE allows for:

  • Faster loan setup and disclosures
  • Real-time pricing and eligibility
  • Improved lender integrations
  • A more efficient borrower and processor experience
  • Fewer systems to manage

The official go-live date is January 21st, when the company announced the migration from Lending Pad to Arive. Effective April 1st, 2026 all loans must originate in ARIVE.

Access & Login

You will receive an email invitation from Equity Smart IT Support with login instructions.

Access URL: https://equitysmart.myarive.com

Pipeline & Existing Loans

  • Existing loans will remain in Lending Pad
  • New loan applications after training completion must be started in ARIVE

Yes, you can import loans from Lending Pad into ARIVE. Phase 2 of the ARIVE migration will include IT Support migrating past files from Lending Pad into ARIVE. Loan Officers can proactively import files using the guide below: 

For your convenience, we’ve attached the official step-by-step guide: SOP: Exporting Loans from LendingPad & Importing into ARIVE.

Creating a Loan in Arive

  1. Log into ARIVE
  2. Select the +Loan tab on the right side of the dashboard to start the loan
  3. Choose Loan Purpose & Property Type
  4. Select Loan Officer Assistant/Loan Processor

Yes. ARIVE allows quick pricing by selecting the pricing tab with minimal data to review:

  • Rate options
  • Lender eligibility
  • Compensation

Yes, both wholesale and correspondent pricing are available in the pricing engine. The pricing engine is defaulted to broker so you will have to select a correspondent under the “industry channel tab” in pricing.

Borrower Experience

Borrowers can:

  • Complete a secure online application – Loan Officer to click on their profile icon at the right side of the dashboard. Then click on the borrower portal tab and copy the link to send to the borrower. Loan officer has the option to send the POS link in English or Spanish
  • Upload documents directly
  • E-sign disclosures

Yes. ARIVE generates a unique borrower link you can email.

Yes. Once you assign a loan processor, the loan is visible to the assigned processor if they have ARIVE access.

Documents & Conditions

All documents are uploaded and stored directly within the ARIVE loan file in the Documents tab.

Yes. Borrowers can upload documents through the POS link after they create a login.

Income, Credit, & AUS

Yes. ARIVE includes built-in income calculators to help accurately calculate:

  • W-2 income
  • Self-employed income
  • Variable or commission income

Yes. ARIVE supports:

  • Soft credit pulls for pre-qualification using credit vendor credentials.
  • Hard credit pulls for full loan submission using credit vendor credentials. 

Please note, if using a lender partner that offers soft/hard credit pulls, the credit must be pulled in the Lender’s portal. You will not be able to import that credit file to ARIVE.

Yes. ARIVE supports dual AUS runs and allows you to:

  • Run AUS engines

User Experience & Access

ARIVE is 100% web-based and mobile optimized, allowing access from:

  • Desktop
  • Tablet
  • Mobile devices

Training & Support

Yes. Training will include: 

Training schedule: Please see ESHL company calendar for ARIVE training dates.

  • System Issues: LO Support / IT Support /Arive Chat feature 
  • Policy Questions: LO Support

Contact Our
LO Support Team

Fill out the form below, and we will contact you as soon as possible.