Easylodge® Servicer™
Loan management software for Australian lenders
Servicer™ is the loan management system that runs every funded loan, from the first direct debit to final payout: repayments, arrears, hardship, complaints and funder reporting in one place. 260,000+ loans under management.
260,000+
Loans managed
1 click
From Originator™
65
Built-in reports
Unlimited
Portfolios
What is loan management software?
Loan management software, also called loan servicing software, runs a loan after it is funded. It calculates repayments and interest, collects direct debits, flags and manages arrears, handles hardship and complaints, and reports on the portfolio to management and funders, right through to payout.
Easylodge Servicer™ is a cloud loan management platform for Australian non-bank, mortgage, asset finance, commercial and consumer lenders. It runs on its own or together with Originator™, our loan origination software, so a funded loan arrives with its full history and nothing is re-keyed.
What Servicer™ does
A loan management system that runs without manual work
Repayments and direct debits
Repayment schedules, interest and fees calculate automatically. Direct debit files go out through Zepto, Westpac PayWay, Ezidebit, GoCardless or .aba, and dishonours are handled for you.
Arrears and collections
Arrears surface in real time by account, portfolio and product. Set a managed arrears repayment, see the weeks to clear, and the loan reverts to normal repayments on its own.
Hardship and complaints
Guided hardship and complaints workflows built for NCCP and AFCA expectations, with every action stamped by user, date, time and IP.
Borrower self-service portal
Borrowers see balances, repayment schedules and statements any time, and message you from the portal. Fewer calls, clearer records.
65 built-in reports
Activity, accounts, actual and weighted arrears, and securitisation reports at warehouse facility standard. Unlimited portfolios.
Investors and funders
Track fractional ownership across investors and loans, with returns, interest and fees by investor. Built for wholesale, warehouse and syndicated funding.
How it works
The loan management lifecycle, step by step
- 1
Onboarding
Loan receipt from Originator™, one click
When EasyFund™ fires in Originator™, the complete loan package transfers automatically to Servicer™: all application data, credit decision, documents and borrower CRM details. Zero re-entry.
- Full integration: same cloud platform, one database, one system of record
- All asset classes supported from day one
- Unlimited portfolios: assign each loan to nominated portfolio on receipt
Loan established in Servicer™ within seconds
- 2
Setup
Loan & portfolio configuration
Each loan is configured within its nominated portfolio. Repayment type, frequency, schedule, fees and product parameters are set automatically from the origination data.
- Automated banking and interest calculations, no manual computation
- Unlimited products assigned to each borrower
- Automated welcome letter and customer portal invitation sent to borrower
- 3
Payments
Automated direct debit & repayment processing
Direct debit files generated and submitted automatically. The loan runs without manual intervention for performing accounts.
- GoCardless, Westpac PayWay, Zepto, Ezidebit, .aba file: all supported
- Automated DDR bounce interest-lost calculation, automatically debited from client accounts
- Customer statements generated and available via borrower portal
- 4
Customer
Borrower self-service portal
Borrowers receive automated access to their own portal, reducing inbound service calls and giving borrowers transparent, 24×365 access to their loan information.
- Current loan balance and repayment schedule
- Statement download: any period, on demand
- Direct contact to lender via portal messaging
- 5
Arrears
Arrears detection & managed repayment
Arrears are surfaced automatically. Managed arrears repayments allow your team to set a custom repayment amount, calculate the weeks to clear arrears, then auto-revert to standard repayments.
- Real-time arrears monitoring by account, by portfolio, by product
- Managed arrears: enter custom repayment → system calculates weeks to clear → auto-reverts on resolution
- Weighted arrears calculations displayed, required for wholesale funding
- 6
Compliance
Hardship & complaints workflow
Complete hardship and complaints management with guided workflow, ensuring regulatory compliance while providing a consistent, documented process for every case.
- Step-by-step hardship process: NCCP compliant workflow with checklist and notes
- Custom repayment adjustment, instantly calculated and applied to the loan
- All actions recorded with name, time, date stamp and IP: full regulatory audit trail
- 7
Reporting
Portfolio reporting & management analytics
65 built-in reports covering every aspect of the credit lifecycle, from individual account activity through to full securitisation-level portfolio reporting.
Activity Reports (8)
Transactions, changes, communications, notes activity
Accounts Reports (14)
Portfolio overview, loan metrics, account status
Arrears Monitoring (8)
Actual & weighted arrears, 30/60/90/120+ day buckets
Securitisation Reports (7)
Warehouse facility standard, investor-ready reporting
- 8
Investors
Investor & fractional ownership management
Track and report on multiple investors across multiple loans, essential for wholesale funders and peer-to-peer lenders.
- By investor: fractional interest across all loans, interest and fees earned, returns calculation
- By portfolio: each loan, each linked investor and their fractional financial interest
- Supports unlimited portfolios, required for syndication structures
- 9
Completion
Loan payout: completing the credit lifecycle
EasyFund Payout calculates the exact payout figure on any given day, including pro rata interest and fees, then generates the payout statement and direct debit file to action it.
- Payout calculated to the day: pro rata interest and any applicable fees
- Payout statement generated automatically and emailed to borrower
- Direct debit file created (GoCardless, PayWay, Zepto, Ezidebit, .aba) to action the payout
The credit lifecycle complete. From initial enquiry through origination, credit decisioning, funding, lifecycle management and final payout, all in one connected platform.
Built for Australia
Compliance and funding, handled in the platform
- NCCP hardship and complaints workflows with a full audit trail
- Australian payment rails: Zepto (NPP), Westpac PayWay, Ezidebit and .aba files
- Weighted arrears, needed for warehouse and wholesale funding
- Securitisation and investor reports, ready for funders
- Hosted on AWS managed infrastructure at Equinix SY5, Sydney. SOC 2 Type 2 certified
New to weighted arrears? Read why wholesale funders ask for it.
Who uses Servicer™
Every asset class, every loan book size
Servicer™ manages consumer, commercial, mortgage, equipment and vehicle loans, revolving credit and BNPL, across unlimited portfolios. Lenders use it to replace spreadsheets, to move off an ageing loan management system, or to run a new product alongside an existing book. See lending software by lender type.
FAQ
Loan management software questions
What is loan management software?
What is loan management software?
Loan management software runs a loan after it has been funded. It sets up the loan account, calculates repayments, interest and fees, collects direct debits, manages arrears, hardship and complaints, keeps borrower records and produces portfolio and funder reporting, through to final payout. It is also called loan servicing software or a loan management system.
Can we move an existing loan book onto Servicer™?
Can we move an existing loan book onto Servicer™?
Yes. Servicer™ works as a standalone loan management platform, including for lenders bringing an existing portfolio across from another system or from spreadsheets. The migration is scoped on the size and structure of your loan book.
Which direct debit and payment providers does Servicer™ support?
Which direct debit and payment providers does Servicer™ support?
Zepto (including real-time NPP payments), Westpac PayWay, Ezidebit, GoCardless and standard .aba bank files. Card payments run through eWay and Global Payments.
Does Servicer™ support hardship and complaints under NCCP?
Does Servicer™ support hardship and complaints under NCCP?
Yes. Servicer™ has step-by-step hardship and complaints workflows with checklists, notes and adjusted repayment arrangements calculated and applied to the loan. Every action is recorded for your regulatory audit trail. Each lender remains responsible for its own compliance.
Can Servicer™ report to warehouse funders and investors?
Can Servicer™ report to warehouse funders and investors?
Yes. Servicer™ includes securitisation reports at warehouse facility standard, actual and weighted arrears reporting, and investor reporting by portfolio and by investor, including fractional interests across loans.
Do we have to use Originator™ as well?
Do we have to use Originator™ as well?
No. Servicer™ can run on its own. If you also use Originator™, funded loans move across in one click with the application, credit decision, documents and borrower details attached.
More answers on the Easylodge FAQ.
Keep exploring
The rest of the credit lifecycle
Loan origination software
Originator™ takes a loan from application to funded: 4-minute applications and 30-second decisions.
The lending platform
How Originator™, EasyRule™ Credit V5 and Servicer™ work together as one system.
Integration partners
Pre-integrated payment, banking, credit and communication partners, ready from day one.
See loan management live
30 minutes on the real platform with the Easylodge team. No slides, no pitch deck.