Couple of points i am taking from this thread so far that we will implement.

-Docusign ( In the works, Currently allowed on 15k or less ) (Iso's own Envelope)
-Ability to speak to Decision maker - No problem
-UW prior to a contract request -90% of the underwriting is done upfront. The other 10% is Banklogin and Background check if the deal is big enough.
- Be the path of least resistance - VC,BL,DL

Looking for more, thanks guys.