Systems and methods for loading XML documents on demand are described. The system provides a Wrapper class for the XML Document class and the Element class. A user application then utilizes the Wrapper class in the same way that the Element class and Document class would be used to access any element in the XML Document. The Wrapper class loads external components as required. The external component retrieval is completely transparent to the user application and the user application is able to access the entire XML document as if it were completely loaded into a DOM object in memory. Accordingly, each element is accessible in a random manner. In one configuration, the XML document components or external components are stored in a database in a BLOB field as a Digital Document. The system uses external components to efficiently use resources as compared to systems using Xlink and external entities.