Golden Sun Funding — Funding Department Master Guide

Effective Date: June 2025

🎯 Purpose

This resource outlines every requirement and workflow in the funding process for titled and non-titled deals. This is used by funding coordinators, brokers, and auditors to ensure accuracy and speed in disbursements.

📦 I. Funding Trigger

Zoho CRM stage: "Approved Lender"

Sales uploads all required documentation

📑 II. Required Funding Documentation

Signed Contracts

DLs – Front & back, clear, color, all 4 corners

Invoice/BOS – Year/Make/Model, VIN, Dealer Info

Dealer W9

Voided Check (must match entity)

COI – Loss Payee = GSF or Lender

POA – Notarized, if titled asset

Guarantee of Title – For private/dealer sales

📄 III. Title Assignment Requirements

Lender	Title Owner	Lienholder
AMUR	Borrower	Axis Title, LLC
BALBOA	Borrower	Ameris Bank
FINPAC	Borrower	FinPac
DAKOTA (EFA)	Borrower	Dakota Financial
DAKOTA (Lease)	Dakota Financial	None

🛡 IV. Insurance Requirements

Active for full loan term

Comprehensive + Collision

Deductibles ≤ $2,500

Must list each financed asset

Loss Payee = Golden Sun Funding or Debt Source

🔍 V. Pre-Funding Validation

Vendor legitimacy check (new vendors)

Equipment inspection if deal > $100K

Title + POA must be complete before funding

ACH/wire verified

⏱ VI. Timeline & Checklist

Timeline

Complete Package: Fund in 24–48 hours

Incomplete: Pended, rep notified

Checklist Before Funding

✅ Signed Contracts

✅ Final Invoice

✅ COI Verified

✅ Title Cleared

✅ POA & DLs Validated

✅ Funding Call Confirmed (if required)

💵 VII. Post-Funding

Mark Zoho stage: "Fully Funded – DS"

Log Funded Date & Notes

Upload all documents into Signed Docs section

Confirm payment instructions were executed

🤝 VIII. Broker-Specific Rules

Max commission: 10% of Net To Finance

Broker invoice required

Deal must be clean and fully documented