Submissions

Most CRMs assume the world is one-deal-per-buyer. Harmonia adds Submissions for the cases where it isn't: when you, as the broker or intermediary, are shopping a single deal to several downstream parties at once.

This page covers when to use submissions, the lifecycle, and what each status means.

When to use submissions

If your business looks like this — a contact applies, you package their information, you send the same package to five lenders/funders/carriers, and each comes back with their own decision — submissions are the right structure. You'll find this pattern in:

• MCA and ISO brokerages (one merchant, multiple funders)
• Insurance brokerages (one client, multiple carriers)
• Commercial lending (one applicant, multiple banks)
• Wholesale and procurement (one buyer, multiple suppliers)

If you're a one-to-one sales motion — you sell your product to a buyer — you don't need submissions. Use a plain opportunity and a pipeline.

The submission record

A submission belongs to one opportunity and represents the package you sent to one specific downstream party. It carries:

• Submitted to — which counterparty (lender, carrier, vendor) you sent it to.
• Submitted on — date submitted.
• Status — pending, approved, declined, funded, or withdrawn.
• Offer details — amount, terms, expiration, and free-form notes.
• Documents — attached files for this submission.
• Internal notes — visible to your team only.

A single opportunity can have many submissions running in parallel, each with its own status.

Status lifecycle

pending → approved → funded
       └→ declined
       └→ withdrawn

• Pending — package is out, decision not back yet.
• Approved — counterparty has come back with terms. The offer details are now populated.
• Declined — counterparty has passed. Add a decline reason for future intel.
• Funded — the deal closed with this counterparty. Usually only one submission per opportunity reaches this state.
• Withdrawn — you pulled the submission before getting a decision.

Reporting on submissions

The Submissions UI shows every submission across every opportunity, filterable by counterparty, status, and date range. Use it to spot which counterparties are slow, which are most likely to approve, and which decline rates are creeping. The opportunity detail page rolls up its own submissions in a side panel.