Documentation
Complete guide to Capto CRM.
Table of Contents
Welcome to Capto CRM
Capto is a CRM built specifically for mortgage and loan officers. It brings together contacts, pipeline tracking, SMS conversations, email campaigns, AI automation, and Google My Business management into a single platform — so you can close more deals with less effort.
Creating Your Account
Sign up with your email and verify it to get started. Every new account gets a 14-day free trial with full access to all features — no credit card required. After signing up, you'll be guided through onboarding to set up your first business profile.
Businesses & Teams
Capto supports multiple businesses under one account. You can create additional businesses from the sidebar and switch between them at any time. Invite team members with roles: Owner (full control), Admin (manage members and settings), or Member (standard access).
Managing Contacts
Add contacts manually or import them via CSV. Each contact stores first name, last name, phone, email, source, status, and notes. Contacts belong to the active business and are automatically scoped by your team.
Contact Lists
Organize contacts into lists (e.g., 'Past Clients', 'Hot Leads', 'Referral Partners'). Lists can be color-coded and used as audience selectors when creating campaigns.
Contact Detail Page
Click any contact to see their full profile — including activity timeline, conversation history, pipeline deals, and list memberships. You can start a new SMS conversation directly from the contact page.
Search & Filter
Use the contacts page search bar to find contacts by name, email, or phone. The global dashboard search also searches across contacts, deals, and conversations.
Two-Way SMS
Send and receive SMS messages directly within Capto using your Twilio phone number. Conversations are threaded per contact, so you can see the full message history at a glance.
Setting Up Twilio (Bring Your Own)
Capto uses a bring-your-own-Twilio model: you create a free Twilio account, register your brand/campaign for 10DLC (or submit Toll-Free Verification), buy your number, then paste your Account SID, Auth Token, and phone number into Settings → Messaging. You own the Twilio relationship and billing — Capto never marks up per-message fees. A fully Capto-managed flow is on the roadmap. See the step-by-step guide at /messaging-setup.
Choosing a Number (10DLC vs Toll-Free)
Most loan officers should use 10DLC (a local long code) for 1:1 lead follow-up — better deliverability and lower cost. Toll-free is best for national presence or higher-volume notifications. See the full guide at /messaging-setup, including how to port a number you already own.
AI Auto-Reply
When the AI Agent is enabled, incoming messages can be automatically handled. The AI uses your configured actions and business context to draft intelligent responses. You can review and approve AI replies or let them send automatically based on your escalation rules.
Starting a Conversation
You can start a new conversation from the Conversations page or directly from a contact's detail page. Just select a contact and type your message.
Deal Stages
Track deals across stages: New Lead → Contacted → Application → Processing → Underwriting → Approved → Closed. Each deal is linked to a contact and shows the deal value, loan type, expected close date, and notes.
Drag & Drop
Move deals between stages by dragging and dropping them on the Kanban board. Stage changes are saved immediately and trigger notifications if configured.
Deal Details
Each deal card shows the contact name, deal value, loan type, and expected close date. Click a deal to edit its details or add notes.
Campaign Types
Create one-time campaigns or drip sequences. Choose between SMS and Email channels. Drip campaigns let you define multiple steps with delays between each message.
Email Builder
The built-in visual email builder lets you compose rich HTML emails with a block-based editor. Add text, headings, buttons, images, dividers, and spacers. Switch between Visual, HTML, and Preview modes. Use personalization variables like {{first_name}}, {{last_name}}, and {{email}}.
Recipient Selection
Add recipients individually by searching contacts, or add entire contact lists at once. The recipient picker shows contact details and prevents duplicates.
Sending a Campaign
Once your campaign is ready, hit Send. SMS campaigns are sent immediately via Twilio. Email campaigns are queued and processed in the background with automatic retry on failure.
Scheduling
Schedule campaigns for a future date and time. Scheduled campaigns are automatically sent at the specified time. You can cancel a scheduled campaign before it sends.
Email Templates
Save frequently used email designs as templates. Templates store the subject line and body content, and can be loaded when creating a new campaign.
Overview
The AI Agent is your automated assistant for handling inbound SMS and executing common workflows. Configure it with your business information, preferred voice/tone, and escalation rules so it responds just like you would.
Pre-Built Actions
Capto comes with pre-configured AI actions including: Missed Call Follow-Up, New Lead Welcome, Rate Quote Request, Application Status Update, Review Request, Referral Thank You, Birthday/Anniversary, Open House Invite, Pre-Approval Nudge, Closing Day Celebration, and more.
Custom Actions
Create your own AI agent behaviors with a custom title, description, category, and example message. Custom actions are saved per business and can be toggled on or off.
Escalation Rules
Define when the AI should stop responding and alert you instead — for example, if a contact asks to speak with a human, mentions a complaint, or the AI is unsure how to respond.
Connecting Your Account
Link your Google My Business account in the GMB section. Enter your Google email and connect to start managing your business posts from within Capto.
AI Post Generation
Use AI to generate engaging Google My Business posts. Describe what you want to post about and the AI will craft professional content with optional call-to-action buttons.
Post Scheduling
Schedule posts for future dates. View all your posts (draft, scheduled, and published) in a single list with status indicators.
Real-Time Alerts
Capto sends real-time notifications for key events: new SMS received, deal stage changed, and campaign sent. Notifications appear in the bell icon in the top navigation.
Preferences
Customize which notifications you receive in Settings → Notifications. Toggle alerts for SMS received, deal stage changes, and campaign completions.
Inviting Team Members
Go to Settings → Team to invite colleagues by email. Choose their role: Admin (can manage team and settings) or Member (standard CRM access). Invitations expire after 7 days.
Roles
Owner: Full control including billing and business deletion. Admin: Can manage team members and business settings. Member: Can use all CRM features but cannot manage team or settings.
Switching Businesses
If you belong to multiple businesses, use the business switcher in the sidebar to switch between them. All data (contacts, deals, conversations) is scoped to the active business.
Dashboard Overview
The dashboard shows key stats at a glance: total contacts, active deals, pipeline value, and recent conversations. It also displays AI agent status and pipeline stage distribution.
Global Search
The search bar at the top of the dashboard searches across contacts, pipeline deals, and conversations. Results are grouped by type and link directly to the relevant page.
Profile
Update your display name, job title, company, and NMLS number. Upload a profile avatar. Manage your email and password.
Security
Enable two-factor authentication (MFA) for an extra layer of security. Manage your password and linked authentication methods.
Twilio Integration
Enter your Twilio credentials (Account SID, Auth Token, Phone Number) to enable SMS features. You can test the connection and update credentials at any time.
Notification Preferences
Toggle notifications for: new SMS received, deal stage changes, and campaign sent events.
Free Trial
Every new account starts with a 14-day free trial. During the trial you have full access to all features. A banner at the top shows your remaining trial days.
Upgrading
When your trial ends, visit the Upgrade page to choose a plan and continue using Capto without interruption.
Submitting Requests
Visit the Roadmap page and click 'Have a feature request?' to submit ideas. Provide a title and optional description. The Capto team reviews submissions and incorporates popular requests into the product roadmap.