Your Processor Is Great. Your P&L Doesn't Care.
You're paying salary, benefits, taxes, and software licenses for a processor who handles maybe 15-20 files a month.
When volume dips, you're still writing that check. When volume spikes, one processor can't keep up anyway.
You can't disclose the processing fee on the LE because they're your employee — so the cost is invisible to borrowers and eats your margin.
You've thought about outsourcing, but you don't want to lose the person who already knows your files and your borrowers.
BYOP solves all of this. Your processor moves under Bright's umbrella. They keep working your files. You stop carrying the overhead. And you can now legally disclose the processing fee on the Loan Estimate.
Same Processor. Zero Overhead. Three Steps.
Your Processor Joins Bright
Your current processor transitions to Bright Processing. We handle onboarding, contracts, payroll, insurance, and compliance. They keep working your files — nothing changes in how you operate day-to-day.
Seamless TransitionProcessing Moves Off Your Books
No more salary, benefits, payroll taxes, or software licenses on your P&L. Your processor is now a Bright team member. You pay a flat per-file fee instead of carrying fixed overhead.
Fixed → Variable CostDisclose the Fee, Keep Your Margin
Because your processor is now with an independent processing company, you can legally disclose the processing fee on the Loan Estimate. The cost shifts from your margin to the transaction. Your borrower sees it. Your bottom line improves.
Unlock Fee DisclosureYour Processor Joins Bright
Your current processor transitions to Bright Processing. We handle onboarding, contracts, payroll, insurance, and compliance. They keep working your files — nothing changes in how you operate day-to-day.
Seamless TransitionProcessing Moves Off Your Books
No more salary, benefits, payroll taxes, or software licenses on your P&L. Your processor is now a Bright team member. You pay a flat per-file fee instead of carrying fixed overhead.
Fixed → Variable CostDisclose the Fee, Keep Your Margin
Because your processor is now with an independent processing company, you can legally disclose the processing fee on the Loan Estimate. The cost shifts from your margin to the transaction. Your borrower sees it. Your bottom line improves.
Unlock Fee DisclosureThey're Not Just Keeping Their Job. They're Getting an Upgrade.
BYOP isn't a downgrade for your processor. It's a better deal.
Keeps working your files and your borrowers — nothing changes operationally
Access to Bright's setup, disclosure desk, and post-closing team
On-demand training, coaching, and continuing education
Administration and payment collection handled by Bright
Option to take on additional broker clients for more income
Favorable contract terms — no non-competes, no restrictive clauses
Professional community — opt in or out of team meetings and events
Bright's technology stack at no cost to them
Transparent compensation — they see exactly what they earn per file
Support team backing them up on disclosures, setup, and post-close
The Numbers Change Immediately
Processing Off Your P&L
Stop carrying fixed salary and benefits. Pay per file instead. When volume is low, your costs are low. When volume is high, the cost per file stays flat.
Disclose on the LE
Legally shift the processing cost from your margin to the Loan Estimate. Your borrower sees a transparent fee. Your profit per file goes up.
Keep Your Workflow
Same processor, same communication, same file handling. The only thing that changes is who signs their paycheck and where the overhead lives.
Set Your Own Pricing
You control what the processing fee is. You control what your processor earns. Bright charges a flat platform fee — the rest is between you and your processor.
Not All BYOP Programs Are Equal
Other companies offer BYOP. Here's what they don't offer.
We built BYOP the way we'd want it if we were the broker — full control, full transparency, zero lock-in.
Let's Do The Math
Here's what BYOP looks like vs. keeping your processor in-house.
In-House Processor
BYOP with Bright
Common Questions About BYOP
15 Minutes. We'll Model Your Numbers.
Every broker's situation is different. Let's look at your volume, your processor's compensation, and your current overhead — and see if BYOP saves you money.