You front the money.
Your investors owe you.
Getting it back shouldn’t be a part-time job.
And right now, for most lenders, that’s exactly what it is. Dynamic Invoicing is an automated pipeline that sits alongside the servicing platform you already run and handles the pass-through work end to end — from the vendor bill landing in your inbox to the receivable clearing.
It has to be paid. But it isn’t really your expense.
If you service loans with multiple investors on them, you know this loop. A vendor invoice comes in — legal, inspection, force-placed insurance, foreclosure costs, appraisal.
You pay it, because it has to be paid. But it belongs to the investors on that loan, split by their positions.
So you enter the AP invoice into your servicing platform, enter it again into your accounting platform, then turn around and invoice those investors — after spending time calculating how much each one owes you based on their positions.
Multiply that by every invoice, every month.
June 12, 2026
Billed to
Re: Account 10-44827 — 1420 Birchwood Avenue, Unit 3
Professional services
| Title curative research and opinion letter | $1,650.00 |
| Preparation and recording of forbearance agreement | $2,100.00 |
| Court filing fees and service of process | $685.00 |
| Courier, recording, and copy charges | $385.00 |
Net 30 · Due July 12, 2026. Advanced by the servicer and recoverable from investors of record per participation agreement.
One invoice. Three investors. Two systems to key it into, by hand.
What if that whole loop ran itself — right up to the point where judgment matters?
Dynamic Invoicing automates the manual step. It does not replace your system of record. Balances and interest are never recalculated behind your books’ back, and nothing reaches an investor without a person signing off.
Sits alongside, not on top
Your servicing platform stays the authoritative system of record. Dynamic Invoicing reads positions from it and writes charges back to it — it never keeps a second set of numbers.
Deterministic, not fuzzy
Matching is keyed on the loan identifier already printed on the file. No guessing, no confidence score to babysit, no charges landing on the wrong loan.
Auditable end to end
Every override, approval, and payment is stored with the actor, the timestamp, and the original figure. A charge can be reconstructed as it stood on any date.
Invoices land in the right place.
A vendor bill arrives as a PDF and is ingested automatically, then matched to the correct loan without anyone hunting for it. Matching is deterministic, keyed on the loan identifier already on the file.
The match is shown before anything else happens — confirm it, or look the loan up and set it yourself. Nothing proceeds until a loan is attached.
Documents that cannot be matched wait in the folder flagged for review rather than being posted to a best guess. A charge on the wrong loan costs more to unwind than it saves.
- Loan account
- 10-44827
- Borrower
- Alder Ridge Holdings, LLC
- Collateral
- 1420 Birchwood Avenue, Unit 3
- Principal balance
- $862,500.00
- Loan status
- Active · Forbearance
The split is calculated for you.
Current ownership positions are read straight from the servicing platform and the charge is prorated across investors automatically — with the arithmetic shown, not hidden. Ownership percentages come from the funding records. The split is proposed, not posted.
| Investor | Position | Arithmetic | Charge | Basis |
|---|---|---|---|---|
| Northshore Capital Partners, LLCDana Reyes · ap@northshorecap.example | 40.00% | $4,820.00 × 40% = $1,928.00 | $1,928.00 | Pro rata |
| Alder Ridge Income Fund IIMarcus Tobin · treasury@alderridgefund.example | 50.00% | $4,820.00 × 50% = $2,410.00 | $2,410.00 | Pro rata |
| R. Okafor Family TrustRenee Okafor · renee.okafor@example.com | 10.00% | $4,820.00 × 10% = $482.00 | $482.00 | Pro rata |
| Total allocated | 100.00% | $4,820.00 | Allocated in full |
Balances and interest are never recalculated behind your books’ back. This automates the manual step. It does not replace your system of record.
- Loan account
- 10-44827
- Funding record
- FND-7731 · 3 positions
- Last position change
- 2026-03-27
- Servicer retained
- 0.00%
- Allocation basis
- Ownership percentage
A human still says yes.
Proposed investor charges appear on a review screen showing the source positions and the arithmetic behind every number. Adjust what needs adjusting, approve when it’s right. Nothing reaches an investor without a person signing off.
| Investor | Position | Pro rata | Approved | Variance | Basis |
|---|---|---|---|---|---|
| Northshore Capital Partners, LLC | 40.00% | $1,928.00 | $1,850.00 | −$78.00 | Overridden |
| Alder Ridge Income Fund II | 50.00% | $2,410.00 | $2,410.00 | — | Pro rata |
| R. Okafor Family Trust | 10.00% | $482.00 | $560.00 | +$78.00 | Overridden |
| Total allocated | 100.00% | $4,820.00 | $4,820.00 | $0.00 | Allocated in full |
Any amount you override is stored with the reviewer, the timestamp, and the original pro rata figure. Change an amount after approval and the approval resets — nothing goes out on a stale sign-off, and the allocation can never leave the screen out of balance.
Investors get an invoice they can pay.
Approved charges go out as digital invoices with a payment link. Investors pay by ACH or card directly from the email — no portal, no login, no password-reset support ticket.
No statement to decode either. The email carries the investor’s own share, the loan it belongs to, and a single button to a hosted payment page.
The easier you make it to pay, the faster you get paid.
- Accepted
- ACH · Visa · Mastercard · Amex
- Login required
- No
- Card data stored here
- None — gateway hosted
- Settlement file
- Daily
Dana,
A legal expense was advanced on loan 10-44827 (1420 Birchwood Avenue, Unit 3). Your share below reflects your 40% position in that loan as of the invoice date.
Pay by bank transfer or card. No account or login is required — the button opens a secure hosted payment page. A receipt is emailed on completion and the charge is reduced the same day.
Loan Servicing · Accounts Receivable
billing@servicing.example · (555) 010-4400
Every change keeps its history.
Charges in a servicing system are setup, not a ledger — create one, reduce it, re-date it, and yesterday’s version is gone.
Every one of those movements is captured here instead, with the actor and the timestamp, so a charge can be reconstructed as it stood on any date.
When a payment lands, the existing charge is reduced and a new charge is added dated the day of payment — exactly the procedure your team runs by hand today, with the before and after both preserved.
- Original amount
- $4,820.00
- Collected to date
- $1,850.00
- Open balance
- $2,970.00
- Effective date
- 2026-06-14 (re-dated)
Charge created
Vendor invoice CH-20418 advanced on loan 10-44827. Created wholly owned by the servicer, dated the invoice date.
Allocation approved
Split across 3 investor positions from funding record FND-7731. Two amounts were overridden from pro rata and stored with the original figures.
Investor invoices issued
Digital invoices emailed to 3 investors with hosted payment links, and mirrored to CRM records.
Payment applied — Northshore
Existing charge reduced by the payment and a new charge added, dated the day of payment.
Receivables track where you already work.
Invoices sync to the matching investor record in your CRM or servicing software, so AR and aging sit next to the relationship. This is lender-side AR — money your investors owe you, as a real reportable balance, not a spreadsheet somebody maintains by hand.
| Investor | Invoice | Loan | Issued | Amount | Current | 31–60 | 61–90 | 90+ | Status |
|---|---|---|---|---|---|---|---|---|---|
| Northshore Capital Partners, LLC | INV-8851 | 10-44827 | 2026-06-12 | $1,850.00 | — | — | — | — | Paid |
| Alder Ridge Income Fund II | INV-8852 | 10-44827 | 2026-06-12 | $2,410.00 | $2,410.00 | Open | |||
| R. Okafor Family Trust | INV-8853 | 10-44827 | 2026-06-12 | $560.00 | $560.00 | Open | |||
| Northshore Capital Partners, LLC | INV-8814 | 10-39104 | 2026-05-04 | $642.00 | $642.00 | Open | |||
| R. Okafor Family Trust | INV-8801 | 10-40982 | 2026-05-19 | $295.00 | $295.00 | Open | |||
| Alder Ridge Income Fund II | INV-8790 | 10-41560 | 2026-04-02 | $1,187.50 | $1,187.50 | Open | |||
| Harbor Bend Investments, LP | INV-8623 | 10-38771 | 2026-02-18 | $2,340.00 | $2,340.00 | Open | |||
| Open receivable · 6 invoices | $7,434.50 | $2,970.00 | $937.00 | $1,187.50 | $2,340.00 | ||||
Your accountant gets what they asked for.
Received payments export as clean spreadsheets — emailed out on a schedule, or downloaded directly whenever the accountant wants them. Nothing is written into the accounting system: your accounting platform stays untouched and authoritative.
| Payment ID | Date | Investor | Invoice | Loan | Method | Amount | Applied to charge |
|---|---|---|---|---|---|---|---|
| PMT-60410 | 2026-06-14 | Northshore Capital Partners, LLC | INV-8851 | 10-44827 | ACH | 1850.00 | CHG-40218 |
Delivered as a spreadsheet by design. Your books stay yours. Dynamic Invoicing hands the accountant a file, not a posting.
From the vendor bill landing in your inbox
to the receivable clearing.
Dynamic Invoicing runs the pass-through loop end to end, alongside the servicing platform you already have. Let’s walk through it against your own loans and positions.