Loan Servicing Software Built Into Your LOS
Originate and service loans in one platform. No more exporting to a separate servicing system.
Why Servicing Belongs in Your LOS
Most private lenders originate loans in one system and service them in another. The origination platform closes the deal, then someone exports the data into a separate servicing tool — or worse, a spreadsheet. From that point forward, you are maintaining two systems, reconciling two sets of records, and logging into two dashboards every day.
The problems compound quickly. Loan data gets re-entered with typos. Payment history lives in one system while the original deal terms live in another. When a borrower calls, your team toggles between platforms to piece together the full picture. Investor reporting requires pulling data from both systems and manually reconciling the numbers.
Lend Engine eliminates this split entirely. The moment a loan funds, servicing activates automatically — payment schedules, escrow accounts, borrower portal access, and investor tracking are all live, using the same loan data that was underwritten and closed. No export. No re-entry. One platform, one source of truth, from application through payoff.
How Servicing Works in Lend Engine
From funding to payoff, every servicing function is built into the same platform you use to originate.
Loan Funds, Servicing Auto-Activates
The moment a loan is marked as funded, Lend Engine automatically generates the payment schedule, creates escrow sub-accounts, and grants borrower portal access. No manual setup required.
Payments & Auto-Pay
Record payments by wire, ACH, or check. Borrowers can enroll in auto-pay through the portal. Payments are applied to principal, interest, escrow, and fees with configurable allocation rules. NACHA batch generation and NSF handling are built in.
Escrow & Trust Accounting
Track escrow deposits and disbursements across sub-accounts for taxes, insurance, HOA, and custom categories. Run annual escrow analysis to identify shortages or surpluses and adjust payment amounts accordingly.
Investor Distributions
Calculate per-investor distributions based on participation percentages with automatic servicing fee deductions. Generate NACHA files for ACH disbursement to investors. Full distribution reporting by period, investor, and loan.
Statements & Reporting
Generate monthly borrower statements automatically and deliver via email or mail. Track delinquencies with real-time aging reports. Monitor upcoming maturities and generate payoff quotes with per diem interest calculations.
Servicing Features Built for Private Lenders
Every servicing function a portfolio lender needs — without a separate platform or vendor.
Payment Processing
Record payments by wire, ACH, or check. Flexible allocation to principal, interest, escrow, and fees. Auto-pay with NACHA batch generation for scheduled ACH processing.
Built-InEscrow Management
Tax, insurance, HOA, and custom sub-accounts. Track deposits, disbursements, and run annual escrow analysis to identify shortages, surpluses, and required payment adjustments.
AutomatedInvestor Distributions
Calculate period distributions with servicing fee deductions based on participation percentages. Generate NACHA files for ACH disbursement to investors. Full distribution reporting.
One-ClickDelinquency & Collections
Real-time aging buckets at 30, 60, and 90+ days. Late fee assessment, waiver tracking, and default monitoring. Automated alerts keep your team ahead of delinquencies.
Real-TimeBorrower Statements
Generate and deliver monthly statements via email or mail. Payoff quote generation with per diem interest calculation. Borrowers can view and download statements from the portal.
AutomatedConstruction Draw Management
Milestone-based draw schedules, inspection workflows, budget-vs-actual tracking, and holdback release management. Purpose-built for construction and rehab loan servicing.
Purpose-Built50-Loan Portfolio, One Platform
Property: 50-loan portfolio of bridge and fix-and-flip loans
Challenge: Managing payments, draws, escrow, and investor distributions across Excel spreadsheets and a third-party servicer
Result:
- Payment processing time reduced from 3 hours/day to 20 minutes
- Monthly investor distributions generated in one click
- Escrow reconciliation fully automated
- Borrowers self-serve payment history and statements through the portal
By consolidating origination and servicing into Lend Engine, this lender eliminated the daily reconciliation burden, gave borrowers self-service access to their loan data, and reduced the operational overhead of managing a growing portfolio — all without adding headcount.
Frequently Asked Questions
Common questions from private lenders evaluating Lend Engine's servicing capabilities.
Does Lend Engine replace my loan servicer?
Yes for portfolio lenders who self-service. Lend Engine handles payment processing, escrow, investor distributions, statements, and delinquency tracking. If you use a third-party sub-servicer, Lend Engine integrates via data export.
How does auto-pay work?
Borrowers enroll through the borrower portal with bank account details. Lend Engine processes ACH payments on scheduled due dates and generates NACHA batch files for your bank.
Can I track investor distributions?
Yes. The platform calculates per-investor distributions based on participation percentages, deducts servicing fees, and generates NACHA files for ACH disbursement.
What day count conventions are supported?
Actual/360, Actual/365, 30/360, and due-date-to-due-date. Configurable per loan.
Does Lend Engine generate borrower statements?
Yes. Monthly statements are generated automatically and can be delivered via email, mail, or both. Borrowers can also view and download statements from their portal.
Related Loan Programs
Originate and Service in One Platform
See how Lend Engine eliminates the gap between origination and servicing for private lenders.