No more Excel. No more human error.
Manage your live loan book on a purpose-built system that handles every intricacy of real estate-backed lending.
Loan Types Supported
- Development loans (ground-up, heavy refurb, light refurb)
- Bridging loans
- Loans with multiple drawdowns, redemptions, and repayments
- Custom interest servicing structures
- Fixed-rate and floating-rate structures
The Problem
Spreadsheets Weren't Built for Lending
Most property lenders still manage live loan portfolios in Excel. The result: calculation errors, missed deadlines, and hours wasted on manual processes.
72%
of UK property lenders still track loans in spreadsheets
4hrs+
average time to produce a manual redemption statement
£000s
lost annually to interest calculation errors across portfolios
The Shift
What Changes When You Move Off Spreadsheets
Spreadsheet loan tracking
Live portfolio dashboard
Manual interest calculations
Automated daily accrual
Email-based drawdown approvals
Structured approval workflow
Copy-paste redemption statements
One-click generation
Calendar reminders for maturities
Automated diary alerts
Quarterly manual reporting
Real-time portfolio analytics
Capabilities
Purpose-Built for Property Lending
Real-time portfolio view
Mark-to-market valuations across your entire book.
Automated redemption statements
Generated instantly, accurate to the day.
Audit-ready accounting integration
Every transaction is logged and reconciled.
Investor reporting feeds
Portfolio performance, LTV positions, asset values, and regional liquidity.
Notice of interest generation
Monthly interest notices produced automatically.
Full Coverage
Every Stage of the Loan Lifecycle
From facility setup through to redemption or recovery — one connected system replaces dozens of disconnected processes.
Origination
Loan Setup
- Facility agreement capture
- Security registration
- Condition precedent tracking
- Initial drawdown processing
Servicing
Live Management
- Drawdown approvals
- Interest calculations
- Covenant monitoring
- Insurance & valuation tracking
Maturity
Redemption & Exit
- Redemption statements
- Exit fee calculations
- Security release workflow
- Final reconciliation
Remedial
Default & Recovery
- Default rate application
- Enforcement tracking
- LPA receiver management
- Recovery waterfall reporting
Deep Dive
Interest Calculations You Can Trust
Property lending interest is complicated — rolled-up interest on development loans, default rate triggers, partial redemptions, day-count conventions, and mid-month rate changes. Getting this wrong costs real money.
Lendscale calculates interest daily at the loan level, handling every edge case automatically. Default and non-default rates, compounding schedules, and accounting entries are all managed in one place.
Daily accrual with automatic compounding
Default / non-default rate transitions
Mid-period rate changes handled seamlessly
Accounting entries generated automatically
Part of the Platform
Connected to Everything Else
Approved deals flow in from AI Underwriting. Live loan data feeds the Investor Portal. Broker submissions arrive pre-structured. Loan Management sits at the centre of Lendscale — the operational backbone of your lending business.
Explore the PlatformReady to Replace the Spreadsheets?
Join the waitlist for Live Loan Management and be first to experience automated portfolio management purpose-built for property lenders.
Request a Demo