Banking-Level Loan Management
Alternaly brings institutional-grade loan servicing to private lenders with automated collection, compliance tools, and comprehensive portfolio analytics.
How It Works
Start managing your loan portfolio in 4 simple steps.
Set Up Your Account
Create your lender profile and configure your lending preferences and fee structures.
Add Your Loans
Import existing loans or create new ones with our flexible loan configuration tools.
Connect Borrowers
Invite borrowers to the platform for automated payment collection via PAD.
Automate & Monitor
Let the platform handle collections while you track performance in real-time.
Portfolio Dashboard
Get a complete view of your lending portfolio with real-time metrics and performance tracking.
Portfolio Overview
See total portfolio value, active loans, and key metrics at a glance.
Performance Tracking
Monitor yields, returns, and payment success rates over time.
Real-Time Updates
Live balance updates and instant notification of portfolio changes.
Credit & Verification
Comprehensive borrower assessment tools for informed lending decisions.
Automated Payment Collection
Hands-free payment processing with preauthorized debit integration.
PAD Integration
Preauthorized debit integration for automatic payment collection 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
Notifications & Request Management
Stay informed with instant alerts and manage borrower requests with a streamlined workflow.
Payment Alerts
Instant notifications when payments are received, processed, or scheduled.
Failure & NSF Alerts
Immediate alerts for failed payments and insufficient funds with retry status.
Modification Requests
Real-time notifications for skip, defer, and payment change requests.
Document & Compliance
Alerts for document uploads, expiring insurance, and compliance deadlines.
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Portfolio Analytics
Real-time insights into your lending portfolio performance.
Document Management
Centralized document management with one-click generation and secure storage.
Loan Documents
Generate and manage all loan-related documents in one place.
- Loan agreements and disclosure statements
- Payment schedules and amortization tables
Legal Documents
Coordinate with legal professionals and manage notary requests.
- One-click notary and attorney packages
- 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 regulatory compliance for Canadian lending.
- Consumer protection compliance
- Credit Rate (APR) calculation per 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 our pricing plans and discover how Alternaly can transform your loan servicing operations.