Know whose money is in trust — to the cent, at any moment.
Every dollar entering or leaving trust posts to the trust ledger automatically. The balance is broken down into what you hold for each lender, the company's earned money, and borrowers' reserves and holdbacks — always adding up to the book balance.
Step by step
- Money arrivesBorrower payments and lender funds post to trust automatically.
- It's attributedEach amount is assigned to the lender, the company, a reserve or a holdback.
- Money leavesAdvances, distributions, payouts and transfers post as they happen.
- You can prove itSub-ledgers by lender and loan, at any date.
What changes
- Answer "how much do you hold for me?" instantly
- Trust and books always agree
- Ready for regulator review
Used by
- Mortgage administrators
- Accountants
- Compliance
Capabilities
Automatic posting
From servicing, funding and distributions — no double entry.
Lender sub-ledgers
What you hold for each lender, and why.
Company earned
Spread and fees awaiting transfer to operating.
Reserves and holdbacks
Borrower money held for taxes or construction.
Loan sub-ledgers
Trust activity per loan.
Opening balances
Start from your balances at cut-over.
Questions about trust ledger
Does the trust ledger need manual entries?
Rarely. Payments, advances, distributions, payouts and transfers post automatically; manual entries are for exceptions like opening balances.
Works together with
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.
Learn more →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.
Learn more →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.
Learn more →See your loan book in Amortivo.
A 30-minute walkthrough with your own scenarios — origination to investor payout.