One system for the whole private lending business.
Eight connected modules share one ledger, so a payment recorded in servicing is already in the trust ledger, the investor's distribution and the general ledger.
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 and contacts
- Lead pipeline
- Quick quote from your rate sheet
- Intake and documents
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.
- Schedules and the loan ledger
- PAD and bank files
- Cheques and post-dated cheques
- NSF, arrears and collections
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 positions
- Monthly distribution runs
- Fees
- Dual-control payouts
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 and sub-ledgers
- Bank statement import and matching
- Two-person transfers
- Three-way reconciliation
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.
- Chart of accounts and journals
- Automatic posting
- Payables
- Operating bank reconciliation
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.
- Client identification
- Corporations and trusts
- Screening and risk
- Reports and program
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
- Investor portal
- Broker portal
- Staff approval queue
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.
- Report library
- Custom reports
- Portfolio risk
- Dashboard
Enter it once. It flows everywhere.
The quote becomes the commitment, the commitment becomes the funds flow, the funds flow becomes the loan, and every payment on the loan updates the trust ledger, the lenders' distributions and the books.
Quote
Rate, LTV, fees and net advance.
Approve
Conditions and commitment.
Fund
Lenders allocated, trust funded.
Collect
PAD and cheques post to the ledger.
Distribute
Each lender paid their share.
Report
Trust, P&L and portfolio.
See your loan book in Amortivo.
A 30-minute walkthrough with your own scenarios — origination to investor payout.