1. A processor-based system for automatically finalizing versions of resource memorandums during processing of financial-service requests, the processor-based system comprising: one or more data processors; and a non-transitory computer readable storage medium containing instructions, which when executed on the one or more data processors, cause the one or more data processors to perform actions including: identifying a workflow that corresponds to processing of a financial-service request, wherein: the workflow includes a first stage, a second stage and a third stage; the first stage includes a verification type of processing that is at least partly controlled by a first type of entity; the second stage includes an approval type of processing that is at least partly controlled by a second type of entity; the workflow is configured to support bi-directional movement from the second stage, wherein a workflow iteration progresses from the second stage to the third stage when a progression condition is satisfied and from the second stage to the first stage when the progression condition is not satisfied; a version of a resource memorandum is automatically finalized prior to progression from at least one stage in the workflow; detecting a finalized first version of a resource memorandum, the finalized first version of the resource memorandum corresponding to a first set of data used for processing the financial-service request, the finalized first version of the resource memorandum having been finalized in response to performance of the verification type of processing controlled by a first device associated with a first entity of the first type of entity, the finalization triggering an availing of the first set of data corresponding to at least part of the finalized first version of the resource memorandum at a second agent device associated with a second entity of the second type of entity; detecting a first result of the approval type of processing of the first set of data controlled by the second agent device; creating a finalized second version of the resource memorandum by storing the second version of the resource memorandum in association with a version identifier in a manner that inhibits modification of the finalized second version of the resource memorandum, the finalized second version of the resource memorandum including the first result; generating a third version of the resource memorandum that is configured to accept modifications until the third version of the resource memorandum is finalized; determining whether the progression condition is satisfied based on whether the first result at least partly indicates that: a first input has been received corresponding to a request to proceed to a next stage of the workflow using the finalized second version of the resource memorandum; or one or more types of data have been provided, a second input corresponding to a type of data of the one or more data types; when it is determined that the progression condition is satisfied, availing a first at least part of a second set of data at a third agent device associated with a third entity of a third type of entity in accordance with the third stage of the workflow; and when it is determined that the progression condition is not satisfied, availing a second at least part of the second set of data at the first agent device.