Everything a private mortgage lender runs on — explained.
35 features across origination, servicing, investors, trust, accounting, compliance and portals. Each page shows what it does, how it works and the real product screen.
Origination
From the first call to the funded loan, every detail is captured once and carried forward — to the commitment letter, the lawyer's funds flow and the loan file.
CRM & contacts
A CRM built for private lending: borrowers, guarantors, lenders, brokers and lawyers with calls, emails, SMS, notes, tasks and documents on one timeline.
How it works →Lead pipeline
A visual pipeline from first enquiry to funded deal, with stage rules, follow-up tasks, lost reasons and the value of every stage.
How it works →Quick quote
Rate-sheet pricing by position, property type and LTV band, combined LTV for second mortgages, lender and broker fees and the net advance to the borrower.
How it works →Underwriting & approvals
Underwriting files with a risk scorecard, approval memo, conditions, approval limits by role and credit-committee decisions for private mortgage lenders.
How it works →Commitment letters & e-signature
Generate commitment letters and disclosures from your own templates with every figure filled in, send them for electronic signature and track the commitment fee.
How it works →Deal funding & lawyer instructions
Allocate a private mortgage across lenders, track their funds into trust, build the funds flow and lawyer instructions, and release the advance.
How it works →Documents & templates
Document storage by loan and contact, missing-document tracking, secure upload links, and a template library for letters, statements and notices with merge fields.
How it works →Loan servicing
Amortivo keeps an append-only ledger for every loan. Payments, charges, rate changes, renewals and payouts all post to it — so the balance, the statement and the payout always agree.
The loan file
One page per loan: balance, next payment, arrears, terms, fees, borrowers, properties, lenders, documents, renewals and a full status history.
How it works →Payment schedules & loan ledger
Interest-only or blended payment schedules on any frequency with semi-annual compounding, interest adjustments, prepaid interest and an append-only loan ledger.
How it works →PAD & payment collection
Build CPA-005 pre-authorized debit files from loan schedules, record cheques and e-transfers, batch-enter payments and import settlement and return files.
How it works →NSF & collections
NSF handling with fees and notices, a collections workflow with reminders, arrangements, letters, lawyer referral and enforcement tracking for private mortgages.
How it works →Mid-loan changes
Change the rate, frequency or payment date, advance more funds, accept paydowns or defer interest mid-term, with a payment preview, amending agreement and regenerated schedule.
How it works →Renewals
A 90-day maturity pipeline, renewal offers with new terms and fees, updated property information and lender consent — recorded as a new term on the same loan.
How it works →Payouts & discharges
Payout and discharge statements with accrued interest to the day, arrears, fees and penalty, per diem after the good-until date, and the split back to each lender.
How it works →Property monitoring
Track appraisals, property tax and insurance on every security property, with reminders, requests to borrowers and title alerts.
How it works →Tasks & automation
Tasks and reminders for every team member, plus automation rules that send messages and create tasks on dates and events across leads and loans.
How it works →Investors & distributions
Each lender's position, rate and payout method is tracked on every loan. Each month Amortivo works out what was collected, what each lender is owed and what must be held — then pays it after a second person approves.
Lender & investor management
Lender and investor profiles with capital committed, deployed and available, positions by loan, sub-investors, payout preferences and banking with two-person changes.
How it works →Investor distributions
Pay each investor their share of interest collected at their own rate, hold shares on unpaid loans, apply management and referral fees and pay by EFT or cheque.
How it works →Investor statements & T5s
Lender statements for every distribution, annual statements and T5 preparation from interest actually paid, with the $50 threshold applied.
How it works →Trust accounting
Every dollar that enters or leaves trust posts to the trust ledger automatically — borrower payments, lender advances, distributions, fees and transfers — with a sub-ledger for every lender and loan.
Trust ledger
A trust ledger posted automatically from payments, advances and distributions, with sub-ledgers for each lender, the company, borrower reserves and holdbacks.
How it works →Three-way trust reconciliation
Import the trust bank statement, auto-match lines and prepare the monthly three-way reconciliation of bank, book and client ledgers, signed off by a second person.
How it works →Trust transfers
Transfer the company's earned spread and fees from trust to operating, with the maximum calculated for you and a different person required to approve.
How it works →General ledger
Amortivo posts the accounting for every loan event automatically — interest billed and collected, fees, advances, write-offs and distributions — into a full general ledger with trust money kept separate.
General ledger
A full general ledger for private lenders: chart of accounts, automatic postings from servicing and trust, manual journals with approval and reversals instead of edits.
How it works →Payables & expenses
Vendors, bills with invoice attachments, quick expenses, partial payments, second-person approval above your threshold and A/P aging for private lenders.
How it works →Operating bank reconciliation
Import operating bank statements, match lines to journals automatically, create journals from bank lines and sign off a monthly two-way reconciliation.
How it works →Financial statements & close
Trial balance, profit and loss on an accrual or cash basis, balance sheet, cash flow and GL detail with comparatives, plus a period-close checklist and year-end close.
How it works →Compliance & FINTRAC
Since October 2024, mortgage lenders, brokers and administrators have FINTRAC obligations. Amortivo keeps the records with the client and the loan — where an examiner expects to find them.
FINTRAC & KYC
Client identification, PEP and sanctions screening, risk ratings, periodic reviews, FINTRAC report preparation and your compliance program for mortgage lenders.
How it works →Beneficial ownership
Record directors and owners of 25% or more for corporate and trust borrowers and lenders, how ownership was confirmed, and see which entities are still missing a record.
How it works →Roles, permissions & audit trail
Role-based permissions with custom roles, approval limits, masked sensitive fields, two-step sign-in and a full audit trail of every change.
How it works →Portals
Fewer calls and emails: the people you work with see what they need and send requests through a secure portal. Nothing changes until your staff approve it.
Borrower portal
A secure borrower portal for balances, payment history, statements and documents, payout statement requests, renewal responses and payment-method changes.
How it works →Investor portal
A secure investor portal with positions, distributions, statements and T5 slips, new deal offers, renewal consent and dual-control banking changes.
How it works →Broker portal
A broker portal for deal submission with duplicate checks, document upload by condition, deal status and fee payments.
How it works →Reports & risk
Every figure in the reports comes from the same ledger as the loans, so the numbers agree with each other — and with your accountant.
Reports & dashboards
A live dashboard and over 40 reports — maturities, payments, arrears, lender positions, capital, fee income, T5, financial statements — plus a custom report builder.
How it works →Portfolio risk
A portfolio risk dashboard with concentration limits by region, borrower and property type, LTV bands, maturities, arrears and loans needing attention.
How it works →Data migration
Import contacts, loans, lender positions, payment history and documents from spreadsheets or another system, with test runs, error reports and rollback.
How it works →See your loan book in Amortivo.
A 30-minute walkthrough with your own scenarios — origination to investor payout.