Contract math
Store the loan's day-count basis and use it consistently across accruals, invoices, statements, reserves, and payoff.
The product
The operating record for a private real-estate loan.
Four things the book has to do every month — and what LoanConsole gives you to do each one. Open any area for the detail an evaluator needs.
01 · KNOW THE BOOK
Every loan and participant in one record.
Your book stops living in tabs that drift out of sync. Each loan carries its borrowers, investor positions, reserves, fees, and property tax — and the math that used to be hand-maintained is computed.
- Loans, borrowers, and participants in one place
- Investor positions with computed share, net rate & interest
- Reserve schedules and property-tax tracking
- Board loans directly or bring an existing book through guided import
Approach
One record per loan holds its counterparties, reserves, and fees. Participation percentages and monthly interest recompute whenever a position changes.
Boundary
The deals pipeline is a two-state intake → one-way convert, not a multi-stage CRM or underwriting workflow.
LoansSample data · 47 active · 3 exceptions
| Loan | Status | Balance | Rate |
|---|---|---|---|
| Maple Street Rehab LN-1042 | Maturing 14d | $400,000 | 12.00% |
| Harbor Mixed-Use LN-1027 | Performing | $680,000 | 11.25% |
| Cedar Court Refi LN-1031 | Performing | $612,500 | 10.75% |
| Pine Hollow Renovation LN-1019 | Past due | $150,000 | 13.00% |
02 · SERVICE THE MONTH
Accrue, invoice, post, and watch the receivables.
The daily work, without the spreadsheet gymnastics. Interest follows the day-count basis stored with the loan, invoices generate, payments post, and AR aging tells you what's actually outstanding.
- Contract-based interest accruals per loan
- Borrower invoices with interest, reserves, fees & tax
- Record, apply, and reverse payments by period
- AR aging & delinquency across the book
Approach
Interest reserves draw down against the schedule you set and bill the borrower once depleted. Each payment applies to a specific period and can be reversed if it bounces.
Boundary
LoanConsole records money that already moved. It never initiates ACH, holds funds, or custodies borrower money.
Borrower invoice — March 2026LN-1027
Current interest (31 days)$6,497.26
Interest-reserve funding−$6,497.26
Servicing fee$340.00
Property-tax collection$1,150.00
Total due$1,490.00
Current
$148.2K
31–60
$12.4K
61–90
$3.1K
90+
$0.0K
03 · KEEP EVERY PARTY INFORMED
Documents under your name, portals scoped by party.
Stop rebuilding statements and emailing bespoke spreadsheets. Generate branded PDFs whose figures lock, and give each party a read-only portal to only their own records.
- Branded invoices, statements & payoff letters as PDFs
- Immutable archive; reissue with a reason to correct
- Investor distributions ledger by share
- Read-only borrower & investor portals
Approach
Saving a document locks its numbers into an archive; a correction reissues with a reason and the original is retained. Returned principal splits to investors automatically by share.
Statement presentation
Organizations can configure statements to emphasize amounts currently due, accrued interest, or both. The selected presentation changes disclosure — not the underlying servicing calculation.
Boundary
Portals are read-only and scoped per person — never a co-investor's position, never your servicing economics. Access survives a billing lapse.
Investor portal · My distributionsread-only
| Date | Loan | Activity | Amount |
|---|---|---|---|
| Feb 15 2026 | Maple Street | Paydown | $12,500.00 |
| Jan 03 2026 | Oakview Duplex | Payoff | $84,000.00 |
| Dec 01 2025 | Harbor Mixed-Use | Paydown | $6,250.00 |
Invoice.pdfStatement.pdfArchived · locked
04 · CLOSE WITH CONFIDENCE
Reconcile, lock, and keep the record.
Month-end gets a real "done." Run the checks, lock the period, and freeze the year — with an owner-only audit trail behind every number and your data exportable any time.
- Consistency & reconciliation checks on demand
- Owner-only audit trail with before/after values
- Monthly close, period lock, and close-packet ZIP
- Year-end records, plus CSV/XLSX exports
Approach
Referential, financial, and reconciliation checks scan the book on demand. Locking a period stops the numbers from drifting; reopening it is deliberate and logged.
Boundary
These are data-integrity checks that scan the book for drift before you rely on a number. Exports work on every plan with no export fee, and stay available during a billing-related read-only period.
Consistency checks128 records
Passing: Borrower interest = investor + servicing (±$0.50)
Passing: Investor principal within loan balance
Attention: 1 loan missing a maturity date
March 2026 periodLocked
General ledgerTrial balanceLoan activityInvestor activity
THE HARD PART
Built for the exceptions that make private lending private.
Extensions, workouts, ownership changes, late payments, insurance follow-up, and mid-loan capital activity do not fit neatly into a generic amortization screen. LoanConsole keeps those events attached to the loan and preserves what came before.
Delinquency and fees
Track receivables, grace periods, late-fee policies, reversals, and the follow-up that remains after a payment is missed.
Collateral and insurance
Keep the property, coverage status, expiration dates, documents, and follow-up signals beside the loan.
Extensions and workouts
Preview and post rate changes, extensions, forbearance, deferral, capitalization, advances, and paydowns as dated events.
Investor ownership changes
Handle assignments, buyouts, investor additions and exits, non-pro-rata capital activity, and recapitalizations without overwriting the prior ownership record.
Structural changes
Split or consolidate loans while preserving the relationship between the original and successor records.
See the whole workflow in sequence.
Walk a loan from boarding to payoff, one stage at a time.