Easylodge® Servicer™

Loan lifecycle & portfolio management

260,000+

Loans managed

1 click

From Originator™

65

Built-in reports

Unlimited

Portfolios

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 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

58 pre-built 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.