How Roboloan Works

$0 Software Cost for Participating Lenders

From Loan Setup to Payoff.

Roboloan keeps the servicing lifecycle organized by connecting the borrower, loan terms, payment schedule, transaction history, servicing activity, and payoff record in one place.

Instead of managing each part of servicing as a separate process, your team can work from a connected loan record throughout the life of the account.

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One Servicing Record

Keep the Important Parts of Every Loan Connected.

Roboloan is structured around the loan so the information your team relies on remains connected as servicing activity changes over time.

Borrower

Keep the borrower relationship tied to the loans they are responsible for.

Loan Terms

Principal, rate, term, maturity, fees, and status in one place.

Schedule

Track scheduled obligations and upcoming payment activity.

One Loan Record

Payments

Record transactions and keep allocation history connected to the loan.

Servicing

Track account activity, notes, status, and ongoing work.

Payoff

Keep payoff records connected through the final stage of the loan.

The Servicing Lifecycle

A Clear Process From Beginning to End.

Each stage builds on the information already connected to the loan, helping your team maintain a clearer servicing history instead of rebuilding context at every step.

STEP 01Borrower Setup

Add the Borrower.

Create the borrower record and establish the relationship between the borrower and the loans they are responsible for.

  • Keep borrower information organized.
  • Connect borrowers to related loans.
  • Create a consistent starting point for servicing.
STEP 02Loan Setup

Add the Loan.

Enter the terms that define the servicing record and keep the financial details your team needs in one place.

  • Original principal and current balance.
  • Interest rate, terms, and maturity.
  • Schedules, fees, status, and related records.
STEP 03Schedule

Follow the Schedule.

Use the loan schedule to understand upcoming obligations and maintain visibility into what should happen next.

  • Review upcoming scheduled payments.
  • Keep obligations tied to the correct loan.
  • Identify items that may require attention.
STEP 04Payments

Record Payments.

Record payment activity against the loan and maintain a clear history of how transactions were applied.

  • Record received payments.
  • Track principal, interest, and fee allocation.
  • Maintain the transaction history with the loan.
Roboloan Payments connects eligible borrower payments directly to the servicing record. Lenders do not pay a traditional software subscription; Roboloan generates revenue through integrated online payment activity.When applicable, an Online Payment Service Fee is disclosed to the borrower before authorization.
STEP 05Ongoing Servicing

Monitor Servicing Activity.

Use servicing views and account records to understand portfolio activity and identify loans that may need follow-up.

  • Review current servicing status.
  • Keep account notes and activity connected.
  • Focus attention on loans that need action.
STEP 06Borrower Experience

Keep Borrowers Informed.

Provide borrowers a dedicated place to access relevant loan, payment, and document information associated with their account.

  • Give borrowers clearer account visibility.
  • Keep loan and payment information accessible.
  • Support a more professional servicing experience.
STEP 07Payoff & Closeout

Complete the Servicing Lifecycle.

When a loan reaches payoff, keep the payoff quote, final servicing records, and loan history connected to the same account.

  • Create and maintain payoff information.
  • Keep supporting documentation with the loan.
  • Preserve the servicing history after closeout.

One Connected Lifecycle

Keep Every Step Connected.

The value of a servicing system is not only what it stores. It is how the records relate to one another throughout the life of the loan.

Borrower Loan Schedule Payment Allocation Servicing Payoff

Payment activity stays with the loan.

Transactions and allocations remain part of the servicing history instead of becoming separate spreadsheet entries.

Borrower context stays attached.

Your team can understand who is connected to the loan without rebuilding the relationship from separate records.

Servicing activity stays traceable.

Notes, status, supporting records, and important servicing events remain connected to the account they belong to.

Daily Portfolio Visibility

Know What Needs Attention Without Rebuilding the Story.

Because the core servicing records are connected, your team can spend less time searching across tools and more time understanding what is happening across the portfolio.

BalancesReview the financial position of active loans. Upcoming obligationsSee scheduled activity and what is expected next. Recent paymentsReview payment history and transaction activity. Loans needing attentionUse servicing status and activity to focus follow-up. Maturities and payoffKeep important end-of-loan activity visible. Supporting recordsKeep documents and servicing history tied to the correct loan.

Payment History

From Scheduled Obligation to Recorded Transaction.

Payment servicing is easier to understand when the schedule, received payment, allocation, and resulting loan history remain part of the same record.

01Scheduled Payment 02Payment Received 03Allocation Recorded 04Loan History Updated

Borrower Experience

Servicing Works Better When Both Sides Have Clarity.

Roboloan is designed to give servicing teams the operational view they need while providing borrowers a dedicated experience for relevant loan, payment, and document information.

That creates a more organized servicing relationship: your internal records stay structured, and borrowers have a clearer place to understand their account.

See the Full Platform

See Roboloan in Action.

Explore how loan management, borrower records, payments, servicing tools, reporting, and borrower access work together throughout the servicing lifecycle.

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$0 software cost for participating lenders. Roboloan generates revenue through eligible borrower payments made using our integrated online payment service.