Trust accounts that tie out — every month, with proof.
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.
The problem
- The trust bank statement ticked off line by line.
- Lender balances in trust that nobody can prove.
- Transfers to operating made without a second check.
- Reconciliations that are late, incomplete or missing at exam time.
What changes
- Monthly reconciliation ready to sign, not to build
- Every lender's trust balance provable on demand
- No money leaves trust without a second person
- An audit trail for every entry
See how each part works
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 →What's included
Trust ledger and sub-ledgers
Money held for each lender, the company's earned spread and fees, borrower reserves and holdbacks — always adding up to the book balance.
Bank statement import and matching
Import the statement from online banking; lines are matched to payments, advances and distributions automatically, with suggestions for the rest.
Two-person transfers
Only money the company has earned can leave trust, the maximum is calculated for you, and a different person must approve each transfer.
Three-way reconciliation
Bank balance, book balance and the total of the client sub-ledgers reconciled monthly, signed off by someone other than the preparer, and kept as a PDF.
Questions about trust accounting
What is a three-way trust reconciliation?
It confirms that three figures agree: the trust bank balance (adjusted for outstanding items), the trust book balance and the total of the individual client ledgers. Amortivo prepares all three from the same records.
Connected to the rest of the platform
Origination
- CRM and lead pipeline
- Rate-sheet quotes
- Underwriting and approvals
Loan servicing
- Schedules and ledger
- PAD, cheques, NSF
- Renewals and payouts
Investors & distributions
- Positions and sub-investors
- Monthly distributions
- Statements and T5s
General ledger
- Automatic postings
- P&L and balance sheet
- QuickBooks / Xero export
See your loan book in Amortivo.
A 30-minute walkthrough with your own scenarios — origination to investor payout.