SERVICING ON AUTOPILOT

Set your rules once. It runs every night.

Miss a payment past grace and Cresflo applies your late fee, flips the loan to a colour-coded default, and starts default interest at the rate you set — no clicks.

THE NIGHTLY ENGINE
Configure your full policy at origination — no programming, no consultants
Automatic daily enforcement of fees, default status and interest
Waive once — every balance and quote updates automatically
Loan L-2026-0142 · 12 days past due
StatusDEFAULT
Done automatically: $100 late fee applied, status flipped to Default, default interest now accruing at 18%.
Payment missed
Grace period ends
Late fee applied
Default + interest
Configured once at origination — Cresflo runs this every night, no clicks.
THE MESSY MIDDLE OF A LOAN

The complex events, handled in-system

When a loan runs into trouble — a default, a restructuring, a payment reversal — a spreadsheet can't keep up, and most software makes you work around it. Cresflo handles these hard cases directly, and keeps the schedule, payoff and ledger consistent through every one.

Forbearance, your way
Pause payments, then resolve on your terms — capitalize the accrued interest into principal, extend the term, defer to a balloon at maturity, or leave it due at forbearance end.
Default → cure → reverse
A loan defaults, the borrower cures, a payment bounces and it re-defaults — Cresflo restores the exact prior state, premiums and all, instead of leaving a ghost.
Backdated corrections
Record a payment as of last month and Cresflo replays history forward — recomputing interest, status and schedule as if it had always been there.
Interest capitalization
Roll accrued or deferred interest into principal at the moment you choose, with the schedule regenerated cleanly from the new balance.
Mid-term rate changes
Change a loan's rate part-way through — scheduled ahead of time or applied now — and the remaining schedule rebuilds around it.
NSF & reversals
Reverse a payment and every downstream number unwinds — interest, fees, penalties, status — so nothing is left recalculated by hand.
ALWAYS CURRENT

Payoff & reinstatement, ready any day

Because every event flows through one engine, a payoff or reinstatement quote is correct on any date you pick — no spreadsheet, no waiting for someone to reconcile first.

Payoff quotes to any future date, down to the day's accrued interest
Reinstatement quotes for a defaulted loan — exactly what it takes to cure
Export either as a PDF the borrower can act on
Payoff quote · L-2026-0142AS OF JUL 6
Principal balance$85,438.74
Accrued interest$3,684.39
Fees & penalties$150.00
Per-diem interest$42.13 / day
Total to pay off$89,273.13
RENEWALS

Renew a loan in a few clicks

Roll a maturing loan into a new term with a new rate, and choose how the renewal fee is handled — charge it separately, add it to the new principal, or waive it. Term, amortization and payment frequency are all yours to change.

New maturity, rate and schedule generated automatically
PRINCIPAL CURTAILMENT

Pay down early — see the interest saved

Apply a lump-sum principal payment and Cresflo rebuilds the schedule and shows the total interest saved, instantly — keep the same payment and finish sooner, or lower the payment.

INTEREST SAVED$3,900

Notifications, exactly how you want them

You control every notification on both sides — the alerts your team sees, and the automated updates your borrowers receive. Set your own thresholds, schedules and templates.

Lender alerts: maturity, insurance expiry, tax delinquency, LTV / covenant breach, overdue
Borrower notifications: payment reminders, statements and receipts — automated, on your schedule
Your own thresholds, timing and email templates — no programming
NotificationsWHO GETS WHAT · WHEN
YOUR TEAM · ALERTS
Insurance expiring30 days before
Tax delinquenton flag
Payment overduegrace + 1 day
Maturity approaching60 days before
YOUR BORROWERS · AUTOMATED
Payment reminder3 days before
Statement readymonthly
Receipt senton payment
Need something you don't see here? We build around how you work — and we never say no.
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See Cresflo run your portfolio — live.

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