The books of record — kept for you as the loans move.
Amortivo posts the accounting for every loan event automatically — interest billed and collected, fees, advances, write-offs and distributions — into a full general ledger with trust money kept separate.
The problem
- Every loan event re-keyed into the accounting system.
- Interest income that doesn't match what servicing says.
- Month-end close that depends on one person's spreadsheet.
What changes
- No re-keying between servicing and accounting
- Income that ties to the loans
- Month-end close with a checklist, not a scramble
See how each part works
General ledger
A full general ledger for private lenders: chart of accounts, automatic postings from servicing and trust, manual journals with approval and reversals instead of edits.
How it works →Payables & expenses
Vendors, bills with invoice attachments, quick expenses, partial payments, second-person approval above your threshold and A/P aging for private lenders.
How it works →Operating bank reconciliation
Import operating bank statements, match lines to journals automatically, create journals from bank lines and sign off a monthly two-way reconciliation.
How it works →Financial statements & close
Trial balance, profit and loss on an accrual or cash basis, balance sheet, cash flow and GL detail with comparatives, plus a period-close checklist and year-end close.
How it works →What's included
Chart of accounts and journals
A chart built for lenders, balanced append-only journals, manual journals with approval and reversals instead of edits.
Automatic posting
Billed and collected interest, arrears interest, fees, company-funded principal, prepaid interest and month-end accruals posted as they happen.
Payables
Vendors, bills, expenses and bill payments with second-person approval above your threshold and A/P aging.
Operating bank reconciliation
Import statements, match to journals, create journals from bank lines and sign off each month.
Statements and close
Trial balance, P&L on an accrual or cash basis, balance sheet, cash flow, a period-close checklist and year-end close.
Accountant export
Monthly journals exported in QuickBooks Online or Xero layouts if your accountant keeps their own books.
Questions about general ledger
Do we still need QuickBooks?
Not necessarily. Amortivo keeps a full general ledger and produces financial statements. If your accountant prefers their own system, export the monthly journals.
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
Trust accounting
- Trust ledger by lender
- Bank reconciliation
- Three-way sign-off
See your loan book in Amortivo.
A 30-minute walkthrough with your own scenarios — origination to investor payout.