Investors & distributions

Pay every lender exactly what they're owed — on time, every month.

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.

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Today

The problem

A spreadsheet of lender shares rebuilt every month.
Shares on loans that didn't pay tracked from memory.
Management and referral fees calculated separately.
Statements and T5 slips rebuilt at year end.

With Amortivo

What changes

Distribution day takes minutes, not days
Held shares and fees never forgotten
Two people approve every payout
T5s straight from what was paid

Lenders and investors list in Amortivo with capital and distributions — Product screen with sample data.

Feature guides

See how each part works

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.

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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 →

Features

What's included

Lender positions

Each lender's amount, rate and share on each loan, including sub-investors paid directly or through a head lender.

Monthly distribution runs

Interest collected is split by position at each lender's rate; the spread stays with the company. Shares on unpaid loans are held and released when the borrower pays.

Fees

Management fees and referral fees applied per lender — including fees on held shares, deducted when the share is released.

Dual-control payouts

The preparer can't approve their own run. After approval, Amortivo produces the EFT credit file or prints cheques.

Statements and tax slips

Lender statements each month and T5 preparation from interest actually paid in the year.

Investor portal

Investors see their positions, distributions, statements and tax slips, respond to new offers and request banking changes — approved by two people.

FAQ

Questions about investors & distributions

What happens when a borrower doesn't pay?

The lenders' shares on that loan are held for the month and released automatically in a later run once the payment is collected — unless your policy is for the company to advance them.

Does Amortivo prepare T5 slips?

Amortivo produces a T5 preparation summary and draft slips from the interest actually paid to each lender in the calendar year, ready for filing.

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