Loan Operations for Private Lenders and Credit Companies
Alternaly helps lenders and investors manage borrower applications, loan setup, documents, communications, debit payments, compliance, and portfolio reporting in one operating system.
How It Works
Run the lending lifecycle from intake to ongoing portfolio management.
Configure Operations
Set up lender profiles, team access, payment methods, lending preferences, and fee structures.
Capture Applications
Receive borrower applications, collect documents, review credit data, and prepare the file for decision.
Originate & Sign
Create or import loans, generate documents, coordinate participants, and send approved files for signature.
Automate & Monitor
Manage automated debit payments, borrower requests, communications, reporting, and investor visibility.
Applications & Origination
Turn borrower applications into structured loan files without losing context between intake, review, approval, and signature.
Application Intake
Capture borrower details, collateral information, required documents, and file status in one intake process.
Review & Decision
Use credit, income, collateral, and capacity information to support faster approval and decline decisions.
Loan Setup
Configure terms, fees, payment schedules, documents, participants, and signature steps directly from the approved file.
Portfolio Dashboard
Get a complete view of your lending portfolio with real-time indicators and performance tracking.
Portfolio Overview
See total portfolio value, active loans, pending files, investor exposure, and key indicators at a glance.
Performance Tracking
Monitor yields, returns, payment success rates, and portfolio health over time.
Real-Time Updates
Live balance updates, file activity, and instant notification of portfolio changes.
Credit & Verification
Comprehensive borrower assessment tools for informed lending decisions.
Automated Debit Payments
Automated debit payment processing with reconciliation and fewer manual follow-ups.
PAD Integration
Preauthorized debit integration for automated payment management from borrower accounts.
Auto Reconciliation
Automated payment reconciliation and posting with real-time balance updates.
Payment Tracking
Track payment status across all loans with instant notifications.
Payment Failed
Insufficient funds detected
Communications & Request Management
Keep borrower requests, payment alerts, document reminders, and communication history tied to the file.
Payment Alerts
Instant notifications when payments are received, processed, scheduled, or need follow-up.
Failure & NSF Alerts
Immediate alerts for failed payments, insufficient funds, retry status, and required actions.
Modification Requests
Real-time notifications for skipped-payment, deferred-payment, payment-change, and other borrower requests.
Documents & Communication
Alerts for document uploads, expiring insurance, communication follow-ups, and compliance deadlines.
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Portfolio Analytics
Real-time insights for lenders, credit companies, and investors monitoring portfolio performance.
Document Management
Centralized document management with one-click generation and secure storage.
Loan Documents
Generate and manage all loan-related documents from one central workspace.
- Loan agreements and disclosure statements
- Payment schedules and amortization tables
Legal Documents
Coordinate with legal professionals and manage notary requests.
- One-click packages for legal professionals and notaries
- Real-time collaboration with legal teams
Reports & Exports
Generate reports and export data for accounting and analysis.
- Professional PDF disclosure documents
- CSV exports for accounting integration
Fee Configuration & Recalculation
Define your fee structure and control how the loan adjusts after modifications.
Skip Payment Fees
Charge when borrowers defer a scheduled payment to a later date.
NSF Fees
Automatically apply fees when payments fail due to insufficient funds.
Payment Move Fees
Fee for rescheduling payments to different dates within the term.
Modification Fees
Charge for loan term changes, payment amount adjustments, or restructuring.
Prepayment Penalties
Optional fees for early loan payoff to protect your expected returns.
Late Payment Fees
Automatic fees applied when payments are received past the due date.
Recalculation Mode
Maintain Schedule
DefaultAdjust payment amounts to keep the original end date
Maintain Payment
Extend the term to keep payment amounts the same
Compliance & Reporting
Built-in compliance support for Quebec OPC requirements and private lending operations.
- Quebec OPC and consumer protection compliance support
- Credit Rate (APR) calculation per applicable regulations
- Professional PDF disclosure documents
- CSV export for accounting integration
- Full audit trail of all activities
- High-cost credit detection and warnings
Ready to Automate Your Lending?
See the plans and decide which setup fits your lending operation.