Built-in AI advisor
Ask your own book in plain English — advisory, and it shows its work.
Registry intelligence
Land and corporate registry change detection, filed to each loan.
Built-in two-way email
A true end-to-end inbox inside the app — send and receive, threaded to every loan.
Automatic default engine
Miss past grace and Cresflo applies late fees, default interest and a colour-coded status — enforced nightly, no clicks.
Automated notifications
Set your own thresholds — maturity, insurance, tax, LTV, grace — and Cresflo alerts you automatically. Fully customizable.
Loan servicing
Schedules, payments and balances — plus payoff & reinstatement quotes, forbearance and principal curtailment.
Rate changes & restructuring
Change a loan's rate mid-term — pre-scheduled or manual — and restructure its terms mid-life, without breaking its history or ledger.
Origination & quoting
Applications, live-priced quotes and offers, from first enquiry to funded loan.
Import your existing book
Bring live loans mid-life — balances, terms and history — validate them, and go live on a cutover date you choose.
Borrowers, properties & contacts
Multi-property collateral, guarantors and signers, with company-registry linking.
Document storage & sharing
Upload, organize and keep every document attached to the right loan.
Document generation
Generate term sheets, payoff & reinstatement statements, loan schedules and monthly statements — as PDFs.
Reporting & exports
Portfolio, delinquency, maturity and covenant reports; CSV + PDF.
Fees, charges & tax
One-time and recurring fees — late, NSF, admin — with tax handling.
Collateral, LTV & covenants
Multi-property collateral and security types, with LTV/CLTV and DSCR covenant monitoring.
Insurance & property-tax tracking
Track policies and property taxes, with expiry and delinquency alerts.
Roles, security & audit
Custom roles with per-action permissions, per-client data isolation, a full audit log and invite-only access.
Bilingual English / French
Full parity, with authentic Quebec lending terminology.