Most onboarding flows are built the wrong way. They collect everything upfront, from documents to ownership info to financials, then verify it all after. It’s slow, manual and clogs up the approval pipeline before the customer even makes it through the front door.
This is a big industry challenge. 63 percent of customers say the onboarding experience directly influences whether they stick around or walk away. So if yours is clunky, confusing, or full of friction, you’re bleeding revenue before a single dollar hits your books.
So, how do you fix this? Flip the model. Move verification (KYB, KYC, IDV, fraud checks) to the front of the process. Build trust early. Automate what matters. And make decisions faster, without sacrificing security or compliance.
You won’t be cutting corners, but you will be cutting waste.
When done right, front-end verification doesn’t just streamline onboarding, it gives your customers the experience they actually expect: instant and intuitive. No more delays, no more chasing documents, no more wondering if they’ll hear back this week or next. Just a smarter way to work.
Let’s break it down.
Traditional SMB onboarding flows follow a broken formula: collect everything first, then figure out what’s valid. That means asking for tax IDs, ownership docs, bank statements, and every last bit of info before verifying if any of it is accurate.
This results in a bloated, backwards process that creates more problems than it solves.
Instead of streamlining onboarding, it slows it down. Risk teams waste time reviewing incomplete or duplicate data. Ops teams chase down missing documents. And some customers abandon the process.
In fact, 74 percent of potential customers will drop off if the process takes too long or feels overly complex. That’s not just a UX issue. That’s lost revenue and eroded trust, before you’ve even had a chance to say “approved.”
Legacy flows force risk and compliance to play cleanup. Meanwhile, good customers walk out the door because you asked for 14 fields too soon, then made them wait a week for a decision.
This is both inefficient and expensive.
Speed and experience drive loyalty, and an outdated system simply doesn’t cut it anymore.
Most onboarding flows are slow and reactive because they verify after the fact. You’re asking people to hand over everything before they’ve even cleared a basic trust check. That’s not onboarding. That’s a black hole.
So flip it.
Start with front-end verification. Run KYB, KYC, IDV and fraud checks before asking for all the paperwork. That way, you’re not wasting time or asking bad leads to complete a 20-step app they were never going to finish.
Worth Pre-Fill verifies legitimacy using just three fields: Name, Address and Tax ID. In seconds, you’ll know whether to move forward or move on with no guesswork and no delays.
This shift is not only smart but necessary. According to a recent study from Plaid, 38 percent of people say submitting documents makes applying for a loan difficult, and 35 percent are frustrated by how long it takes to get approved. That’s more than a third of your pipeline already on edge before you’ve even made a decision.
When you lead with verification, a few important things happen:
Trust is built in the first few clicks. If your system waits until the end to get serious, you’ve already lost.
Let’s be clear: this isn’t just “smart autofill.” Pre-Fill isn’t asking the customer to start the application. You do.
Your team enters just three fields on your end (Name, Address, and Tax ID/EIN), and with three clicks, you generate and digitally send a fully pre-filled application to your customer. That’s it. You’re handing them something that’s 90 percent done before they even open it.
Here’s what makes Worth Pre-Fill work:
Our cross-walking engine uses proprietary AI/ML to pull from more than 242+ million business records (double what the next-best tool can access). That means fewer errors, less back-and-forth and much higher match rates from the start.
We tap into real-time records from all 51 Secretaries of State, the IRS, FinCEN, CFPB, DoD, Google and more. So what gets filled in isn’t just fast, but it’s also accurate, verified and backed by sources your risk team already trusts.
Customers get a clean, pre-filled form they can review and submit without dragging your team into the weeds. That means less hand-holding, fewer “just following up” emails and a serious boost in application completion rates.
No walls of blank fields. No data dumps. Just a modern, streamlined experience that makes onboarding feel more like ordering delivery than filling out a tax form.
The impact of Pre-Fill shows up across every team.
Customers get a fast, intuitive application they can actually finish. No more friction, confusion, or follow-up emails asking, “Do you need anything else from me?”
Ops teams don’t have to hand-hold every lead through a bloated process. Fewer incomplete forms. Less internal triage. More automation, fewer bottlenecks.
Risk teams stop wasting time validating garbage. You’re filtering for legitimacy up front, so they’re reviewing verified applicants—not manually sorting through the unknown.
And leadership can get real visibility into pipeline quality. Not only how many people clicked “Start Application,” but how many are actually ready to move forward.
Poor onboarding is the third leading cause of customer churn, right behind product fit and low engagement. If you’re still relying on outdated flows, you’re the problem.
With Pre-Fill, you’re fixing the flow that drives everything downstream.
If you’re still trying to patch up a broken onboarding flow with more forms, fields and follow-ups, you’re not streamlining anything. You’re just dragging out the inevitable drop-off.
But with Worth Pre-Fill, you won’t simply be adding in another step or process. You’ll be replacing the clunky, outdated parts of your workflow with something smarter, faster and actually built for how customers expect to apply today.
You don’t need 14 fields to make a good decision. You need three and a system that knows how to verify, pre-fill and move things forward instantly.
Stop making customers jump through hoops. Stop wasting ops and risk team hours on cleanup. Start closing faster and with cleaner data, fewer clicks and a process your customers won’t hate.
If you’re serious about scaling, it starts here.
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