System of Record for Private Debt

Scale your
Loan Book,
Not your Spreadsheets.

Stop managing millions on Excel. RepayFlow is the infrastructure for bridging lenders and debt funds. Automate waterfalls, split payments with investors, and audit every cent with millisecond precision.

Payoff / Settlement

2025-11-14

Breakdown reflects the quote at the selected date. Waive toggles zero out lines.

As of 2025-11-14
Principal due now
Past-due interest 0.00
Current partial interest 0.00
Past-due fees 0.00
Past-due penalties 0.00
Subtotal (no fee)
Exit fee (quote)
Total with fee (quote)

Must equal .

Servicing Infrastructure

Beyond Simple Amortization.

Bridging and private debt isn't just fixed 30-year mortgages. You deal with stub periods, interest-only balloons, and mid-term rate changes. We handle the math that breaks spreadsheets.

Complex Schedules

Support for Interest Only, Flat Rate (Auto), and Standard Amortization. Switch modes instantly or extend maturity dates with a click.

ACT/365 & 30/360 Support

Precision Payoffs

Generate "To the Penny" payoff quotes for any date. Automatically include Exit Fees, calculate stub interest, and detect arrears.

Auto-calculated Penalties

Arrears Management

Automated grace periods and penalty assessment. Strict waterfall allocation ensures fees/penalties are paid before principal reduction.

Strict Waterfall Logic
For Debt Funds & Syndicators

Manage your Investors
without the headache.

Don't just track the loan; track where the capital came from. RepayFlow handles fractional ownership, servicing fees, and net-rate calculations automatically.

1

Fractional Ownership

Assign multiple investors (Entities or Individuals) to a single loan. We track the ownership % down to 6 decimal places.

2

Automated Servicing Strips

Define your spread (e.g. Loan Rate 12%, Servicing Fee 2%, Investor Net 10%). The engine splits every repayment automatically.

3

Investor Portal Ready

Generate individual statements and portfolio views for your capital partners instantly.

Syndication Ledger
Loan #1024-FLIP
Investor Inv. Rate Ownership Distribution
Apex Fund I, LP 10.0% 60.0% $1,200.00
Dr. Sarah Jenkin 10.0% 30.0% $600.00
House (Servicing) 2.0% - $200.00
Total Payment Collected: $2,000.00

Immutable Audit & Time Travel

Mistakes happen. Operations change. RepayFlow lets you reverse payments safely or view the loan state "As-Of" any date in the past for auditing.

1

"As-Of" Reporting

Need to know what the payoff was last Tuesday? Or what the arrears were on Dec 31st? Our engine rebuilds the state instantly without restoring backups.

2

Traceable Reversals

Void payments, reverse write-offs, or undo settlements. Every action creates a strict audit trail linking the void to the original event.