Allocate lenders, fund through trust and instruct the lawyer — to the cent.
Funding is where most errors happen: who funds what, what has arrived in trust, what is deducted from the advance and what the lawyer receives. Amortivo builds the funds flow from the deal and won't release until the money is there.
Step by step
- Offer to lendersSend the deal summary to lenders; record their commitments and amounts.
- Receive funds in trustEach lender's money is recorded against their position as it arrives.
- Build the funds flowGross advance, lender and broker fees, interest adjustment or prepaid interest, holdbacks — the net to the lawyer.
- Instruct and releaseGenerate lawyer instructions and release the advance; the loan becomes active with its schedule.
What changes
- No release until lender money is in trust
- Funds flow and instructions that always agree
- The loan file starts complete
Used by
- Funding administrators
- Owners
- Mortgage administrators
Capabilities
Lender allocation
Split the loan across lenders and sub-investors, each with their own rate.
Funds received tracking
What each lender has sent, and what is still outstanding.
Funds flow
Every deduction itemised, adding up exactly to the gross advance.
Interest adjustment
Interest from funding to the adjustment date, calculated once and consistently.
Company-funded portion
Fund part of the loan yourself and have lenders buy in later.
Lawyer instructions
Generated from the funds flow so the figures always match.
Questions about deal funding & lawyer instructions
Can the company fund part of a loan?
Yes. A company-funded portion is tracked separately, and lenders who fund later buy that portion at par.
Works together with
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.
Learn more →Trust ledger
A trust ledger posted automatically from payments, advances and distributions, with sub-ledgers for each lender, the company, borrower reserves and holdbacks.
Learn more →The loan file
One page per loan: balance, next payment, arrears, terms, fees, borrowers, properties, lenders, documents, renewals and a full status history.
Learn more →See your loan book in Amortivo.
A 30-minute walkthrough with your own scenarios — origination to investor payout.