Loan Management
Run every loan from disbursement to closure: schedules, restructures, accruals, delinquency buckets and multi-currency GL postings, on an engine that keeps your books accurate and your ops lean.
Overview
The system of record for the whole loan life.
Once a loan is booked, PhotonMatters loan management owns its entire lifecycle. It disburses funds, builds and maintains the repayment schedule, accrues interest and fees, applies repayments, buckets delinquency, and posts every movement to the general ledger, across multiple currencies and books.
Restructures, reschedules and write-offs are handled inside the same ledger, so the books stay accurate and auditable while your team spends far less time on manual reconciliation and spreadsheet corrections.
Disbursement to closure in one engine
Multi-currency GL postings
Restructures & reschedules built in
Automated borrower notifications
Servicing, accounting and collections-ready in one place.
How it works
- 01
Disburse
Funds release and the loan books with its opening schedule and ledger entries.
- 02
Service
Accruals run, repayments apply, and restructures and top-ups keep the schedule current.
- 03
Collect
Past-due loans bucket and feed notifications and collections workflows automatically.
- 04
Close
On full repayment or write-off the loan settles and the ledger closes out cleanly.
Outcomes
Full lifecycle
automated from disbursement to closure
Accurate books
real-time GL postings, audit-ready
Fewer manual ops
less spreadsheet work and reconciliation
Connect the lifecycle
Service, recover and reconcile on one platform.
Feed booked loans straight from origination, push delinquent accounts into collections, and keep the ledger square with reconciliation AI.