What it is
Origination gets the demos; servicing gets the lawsuits. The hard part of a lending or leasing platform is the decade after signature — accruals that match the contract, payments that post in the right order, delinquency handled consistently, and an audit trail that survives regulator and investor scrutiny. Teams that underestimate this rebuild it three times.
Our accelerator is a servicing core built by architects who have shipped lending systems: contract-driven amortization and accrual engines, payment waterfalls, collections workflows, and the reporting spine that investors and auditors expect. It handles loans and leases in one model, because portfolios rarely stay pure.
What's inside
- Contract and product engine — terms, rates, schedules, fees, and modifications for loan and lease structures, with full amortization and accrual calculation.
- Payment processing — waterfalls, partial and misapplied payment handling, NSF and reversal flows, and escrow management.
- Delinquency and collections — aging, promise-to-pay, workout and restructure workflows, with a complete action history per account.
- Investor and portfolio reporting — remittance, pool-level rollups, and configurable reporting calendars.
- Audit spine — every balance derivable from posted transactions; every user and system action logged and attributable.
- Borrower and dealer portals — statements, payoff quotes, payment scheduling, and document access.
How we adapt it
Your products, waterfalls, and state rules go into the blueprint; AI adapts the engines to match while the architect verifies the math — down to penny-level reconciliation against your existing servicing data. Migration from a legacy servicer comes with reconciliation evidence, not assurances.