Private lending outgrew the spreadsheet years ago.
Amortivo runs your whole private lending business on one ledger: origination, servicing, investor distributions, trust accounting and FINTRAC compliance. From first lead to final payout, with the books balanced.
| Loan | Principal | Rate | Status |
|---|---|---|---|
| ML-1042 · Mississauga | $640,000 | 9.25% | PAD cleared |
| ML-1057 · Hamilton | $385,000 | 10.49% | NSF · retry |
| ML-1063 · Barrie | $212,500 | 8.99% | Renewal 60d |
| ML-1071 · Brampton | $498,000 | 9.75% | PAD cleared |
Illustration with sample data
Replace the spreadsheets, PAD lists and reconciliation workbooks.
Most private lenders juggle a CRM, a payments spreadsheet, an investor workbook and a trust reconciliation file. Amortivo replaces them with one system where every number comes from the same calculation engine.
Running on spreadsheets
- Payment schedules and PAD lists maintained by hand
- Month-end investor payouts re-keyed line by line
- NSFs, arrears and maturities tracked in separate places
- Trust reconciliation that takes days and still doesn't tie out
Running on Amortivo
- Schedules, PAD files and receipts generated automatically
- Investor distributions and statements calculated for you
- Payments, NSFs, arrears and maturities in one flow
- Trust, bank and ledger reconciled with three-way sign-off
Everything a private lender needs
Origination
CRM and lead pipeline, rate-sheet quotes, underwriting and approvals.
Loan servicing
Schedules and ledger, PAD, cheques and NSF handling, renewals and payouts.
Investors & distributions
Positions and sub-investors, monthly distributions, statements and T5s.
Trust accounting
Trust ledger by lender, bank reconciliation and three-way sign-off.
General ledger
Automatic postings, P&L and balance sheet, with QuickBooks and Xero export.
Compliance & FINTRAC
KYC, beneficial ownership and a full audit trail.
Portals
Borrower self-service, investor statements and broker deal submission.
Reports & risk
40+ reports, portfolio risk and a custom report builder.
Month-end investor payouts, without the re-keying.
Amortivo tracks each investor's position in every loan, including sub-investors. When borrower payments come in, distributions are calculated automatically, statements are produced, and T5s are ready at year-end.
- Positions and sub-investors per loan
- Automatic monthly distributions
- Investor statements and T5 slips
- Investor portal for self-service statements
October distributions Ready to send
Trust money, reconciled and signed off.
Every dollar held in trust is tracked by lender. Amortivo reconciles the trust ledger against the bank and the general ledger, and records a three-way sign-off with two-person approval.
- Trust ledger by lender
- Bank reconciliation
- Three-way sign-off with audit trail
Trust reconciliation · Sep 30 Balanced
The Canadian details other platforms miss
CPA-005 PAD files
Generates the CPA-005 file format that Canadian banks accept for pre-authorized debits.
Interest Act compounding
Semi-annual compounding as the Interest Act expects, from one tested calculation engine.
FINTRAC & T5s
KYC and beneficial ownership records for FINTRAC, and T5 slips for your investors.
Safe for your money. Easy to move to.
Sensitive data is encrypted, every firm's data is isolated, and key actions need two-person approval and are fully audited. When you move to Amortivo, your existing loans are imported with a test run first and a rollback if anything looks wrong.
- Encrypted sensitive data and per-firm isolation
- Two-person approvals and audited changes
- Loan import with test run and rollback
- Free trial starts with a sample book you can clear in one click
Try it with sample data
Explore a realistic loan book for 14 days, free.
Test-import your loans
See your own book in Amortivo before committing.
Go live
Run your next month-end on one balanced ledger.
Common questions
Who is Amortivo for?
Private mortgage lenders, mortgage investment corporations (MICs), syndicators and licensed mortgage administrators who fund and service loans for their own book or for investors.
Can I try it before buying?
Yes. Start a 14-day free trial with no credit card. It comes with a sample loan book that you can clear in one click when you're ready to add your own.
Does it work with my accounting software?
Amortivo has its own general ledger with automatic postings, and exports to QuickBooks and Xero.
Can I move my existing loans in?
Yes. Existing loans are imported with a test run first, and the import can be rolled back if anything needs fixing.
Where can I learn more?
Visit amortivo.com for features, guides and a comparison with spreadsheets, or book a 30-minute demo.
Run your next month-end on Amortivo.
Start a free 14-day trial, or book a 30-minute demo with our team.