Everything the loan needs. Everything your team needs.
Four connected workflows carry a loan from the first application to the final payoff. Explore each one, then search the directory for the task you need to get done.
One workspace, one loan record and one subscription. Origination hands agreed terms to servicing; servicing feeds investors and the books; draws stay inside the loan; payoff closes the story. The directory below lists 107 capabilities across 14 areas, all included.
Open any area for the details, or search for the task you need to get done. These are connected parts of AIRE, included in the full platform.
107 of 107 capabilities
01Applications & prequalificationTurn a new inquiry into a complete, usable loan file.
Branded applications
Hosted prequalification and full applications under your lending brand.
Save and resume
Let applicants return to their information and outstanding requirements.
Document checklists
Collect the required borrower, entity and property documents in context.
Borrower & entity records
Keep the relationships between contacts, borrowing entities and guarantors.
Credit-box rules
Apply your product criteria, eligibility requirements and review steps.
Prequalification letters
Prepare, preview and issue a branded letter from the deal record.
Credit workflow
Keep consent, ordering and review in the application workflow through connected providers.
CONNECTED BY DESIGNThe borrower, property and documents carry into underwriting and the loan.
02Origination & underwritingMove from a promising deal to an agreed, funded loan.
Pipeline & deal stages
Track applications, underwriting, conditions and closing with clear ownership.
Deal modeling
Work through purchase, rehab, loan sizing, leverage, reserves and fees together.
Property & collateral
Keep valuations, lien information and collateral records with the deal.
Conditions & checklists
See what is needed, who owns it and what is blocking the next step.
Term sheets & commitments
Generate branded terms from the deal model instead of retyping figures.
Closing & funding
Connect closing requirements, funding records and the transition into servicing.
Tasks & activity
Keep work, communications and decisions attached to the deal.
Loan boarding
Carry agreed borrower, property, financial and document context into the active loan.
CONNECTED BY DESIGNAccepted economics become the terms of record for servicing.
03Your loan products & economicsMake the platform work the way your loan agreements work.
Reusable loan products
Configure bridge, fix-and-flip and construction products with their own policies.
Day-count conventions
Set the interest convention, including Actual/365, Actual/360 and 30/360.
Interest & payment structure
Define the interest basis, payment cadence and loan structure.
Rehab interest basis
Distinguish full-note and funded-balance approaches to construction interest.
Interest reserves
Set reserve sizing, funding, settlement and depletion handling.
Points & fees
Define financed or cash-paid points, fee amounts and fee bases.
Closing & odd-day rules
Set accrual dates, first payments, odd-day treatment and payoff conventions.
Agreed terms & revisions
Preserve the loan’s original terms and effective-dated changes.
CONNECTED BY DESIGNWorkspace defaults flow through the product and deal, then stay attached to the loan.
04Servicing & paymentsKeep balances, obligations and receipts moving together.
Loan book & saved views
Find loans by status, borrower, maturity and the details your team works with.
Payment allocation
Preview how a receipt applies to fees, interest, principal and unapplied cash.
Partial & excess payments
Handle partial receipts, principal curtailments and held cash deliberately.
Manual receipt recording
Record a payment received outside the platform with its date, method and reference.
Statements & receipts
Prepare borrower statements and receipts from the servicing record.
Late fees & reminders
Apply your fee policy, grace periods and review preferences.
Extensions & modifications
Keep revised terms, effective dates and supporting documents together.
Corrections & reversals
Preserve financial history when a receipt or recorded event needs correction.
Maturity & reserve watchlists
See upcoming maturities, overdue obligations and reserve depletion.
CONNECTED BY DESIGNA recorded receipt connects to the loan balance, statement, investor allocation and books.
05Construction draws & budgetsGive every draw a clear path from request to recorded disbursement.
Native draw requests
Borrowers submit line items and supporting evidence directly through their portal.
Accepted budgets & versions
Review against the approved budget, including documented change orders.
Invoices, photos & inspections
Keep evidence beside the budget lines and work it supports.
AI-assisted evidence review
Surface categorization, inconsistencies and items requiring human review.
Category & overall limits
Review requests against both line availability and the total budget.
Evidence allocation
Track which invoices and supporting amounts belong to which requests.
Partial approval & retainage
Separate requested, approved, retained and disbursed amounts.
Correction & decision history
Request specific corrections and retain the reason for each decision.
Waiver & inspection tracking
Keep required inspection and lien-waiver evidence in the draw workflow.
Disbursement records
Record actual disbursement separately from approval and update the reserve and books.
CONNECTED BY DESIGNThe borrower request, accepted budget, evidence, decision and reserve stay connected.
06Documents & communicationCreate the document once. Keep its entire history.
One documents hub
Find applications, terms, statements, draws and payoff documents in the loan file.
Branded generation
Populate business documents from loan data and your workspace branding.
Preview → issue → deliver
Review the result before issuance, then retain the issued record and delivery history.
Versioned records
Keep issued versions and the reason for a replacement or correction.
Signature workflows
Connect document acknowledgement and electronic signing where required.
Legal-package connections
Work with connected document providers for legal loan packages.
Loan-linked messages
Keep borrower conversations beside the records being discussed.
Delivery & follow-up
Track delivery status and bring failed notifications back for attention.
CONNECTED BY DESIGNAn issued document stays tied to the loan, its terms, its version and its delivery.
07The borrower experienceGive borrowers a clear next step under your brand.
Your branded portal
Keep your lender identity across the borrower experience.
A focused home
Show active loans, documents needed and the actions that require attention.
Loan & payment information
Make statements, payment details and loan balances accessible.
Draw submission & tracking
Request funds, provide evidence and follow review and disbursement status.
Document uploads
Submit origination and servicing documents to the right loan.
Messages & notifications
Keep questions, corrections and updates connected to the loan.
Payoff requests & documents
Give borrowers a clear route to payoff information and issued statements.
CONNECTED BY DESIGNBoth sides work from the same loan, documents and draw status.
08Investors & capitalSee who funded the loan, what they earn and what you retain.
Investor records
Organize capital partners, agreements and the loans they participate in.
Percentage or dollar participation
Maintain one ownership schedule from percentage or dollar commitments.
Investor-specific economics
Separate investor coupon and participation terms from the borrower’s note rate.
Lender spread
See the relationship between interest earned, investor returns and lender income.
Receipt-linked allocations
Connect distribution calculations to the cash received on the loan.
Distribution review
Review eligible amounts and approval batches before a separate payout step.
Investor statements & portal
Give capital partners a focused view of their participations and returns.
Capital movements & history
Retain contributions, transfers and effective-dated changes to participation.
CONNECTED BY DESIGNInvestor allocations trace back to participation terms and eligible loan receipts.
09Accounting, cash & trustBring the operational record and the books into agreement.
Integrated general ledger
Connect loan activity to balanced accounting entries and account history.
Account register & cash routing
Map real operating, servicing, rehab and reserve accounts to their purposes.
Expected cash balances
Explain what should be in an account from recorded opening balances and activity.
Trust & beneficiary views
Separate whose money it is from the physical account holding it.
Bank reconciliation
Match statement activity, review unmatched items and investigate differences.
Suggested journals
Use rules and AI assistance to prepare accounting suggestions for review.
Period controls & close
Work through month-end checks, controlled corrections and locked periods.
Accountant handoff
Export journals and supporting detail for review and accounting workflows.
CONNECTED BY DESIGNLoan events flow into journals, cash expectations and beneficiary balances.
10Reporting & portfolio controlGet from a portfolio question to the records behind it.
Portfolio tape & performance
Review the loan book, balances, production and performance.
Delinquency & aging
Understand overdue obligations, age buckets and the accounts needing attention.
Maturity & payoff pipeline
Plan around upcoming maturities, extensions and anticipated exits.
Construction & reserve reports
Track draw activity, available budgets and reserve runway.
Income & investor capital
Review interest, fees, participations and investor allocations.
Trust & cash exceptions
Focus on balance differences, unmatched activity and open exceptions.
Saved views & exports
Use practical filters and columns, then export the complete result set.
Tax preparation detail
Prepare supporting interest and distribution records where reporting applies.
CONNECTED BY DESIGNReports draw on the same loan, payment, capital and accounting records.
11Payoffs & the final mileClose the loan with the complete financial story.
Good-through payoff quotes
Bring principal, accrued interest, fees and credits into one calculation.
Per-diem explanation
Show the interest convention and the effect of the selected payoff date.
Branded payoff statements
Preview and issue a statement from the loan’s current records.
Payoff updates
Retain the version and context when payoff figures change.
Payoff & reserve settlement
Reconcile the final receipt, remaining reserves and outstanding obligations.
Closed-loan history
Keep final documents, activity and financial detail accessible after payoff.
CONNECTED BY DESIGNThe payoff uses the loan’s terms, receipts, fees, reserves and prior activity.
12Ask AIRE & daily guidanceKnow what matters, what a number means and where to go next.
Daily brief
Bring upcoming obligations, blockers and the day’s priorities into focus.
Ask about a loan or portfolio
Ask questions in the context of the lending workspace or a specific loan.
Source-linked explanations
Follow an answer back to the financial record or document behind it.
Action proposals
Prepare the next review or task while keeping consequential actions under human control.
Document & draw assistance
Use AI to organize evidence and bring potential issues to a reviewer.
AIRE Answers
Find task guidance, explanations and help from the same product knowledge collection.
CONNECTED BY DESIGNAnswers refer to authorized loan records, financial tools and product guidance.
13Team, controls & connectionsGive the right people the right tools in your lending workspace.
Team roles & access
Set staff responsibilities and borrower or investor access to the appropriate records.
Activity & audit history
Retain who did what and the reason for important changes.
Workspace branding
Carry your lender identity through documents and customer-facing experiences.
Connected services
Manage service configuration and connection health in the workspace.
Search & navigation
Find a borrower, property, deal, loan or document without losing context.
Notifications & ownership
Bring exceptions and next steps to the teammate responsible.
AI preferences
Control enabled AI assistance and usage preferences for the workspace.
CONNECTED BY DESIGNIdentity, permissions, branding and activity apply across the platform.
14Setup, migration & ownershipStart with a working system, then make it yours.
Guided setup
Configure your business, brand, lending products and financial policies in one flow.
Useful defaults
Begin with practical defaults and open advanced settings when your operation needs them.
Live configuration previews
See how your choices affect a term sheet, payment example and borrower experience.
Existing-book import
Bring loans and opening balances into the platform with reconciliation and review.
Launch checklist
Check the setup of your workspace, documents, accounts and critical workflows.
Data export & transfer
Keep a route to your loan records, documents and financial history.
Contextual help
Get guidance where the task happens, with searchable product help.
CONNECTED BY DESIGNSetup establishes the same products, policies, documents and accounts you use every day.
DESIGNED TO WORK OUT OF THE BOX
Set your rules. Start with a system.
Name the company, choose a loan type, set the rate and the day count, and preview the first branded term sheet. Your brand, products and financial policies connect from the start, and you can override any of it per loan.
PERSONALIZE A SAMPLE WORKSPACE
Make it unmistakably yours.
Your identity carries across the portal, statements and loan documents.
Interactive setup illustration. No account is created.
CLCedar Lending
LOAN PRODUCT PREVIEW
Fix & flip
Example interest-only loan
Example principal
$100,000
Annual rate
12%
Day count
Actual/365
Interest for 30 days
$986.30
Loan terms carry from the deal into documents and servicing.
YOUR CHOICES. CONNECTED THROUGHOUT.
THE WHOLE BUSINESS. ONE PLATFORM.
Spend your time lending. Let the details connect.
Bring one real loan. We’ll walk it through AIRE with you.