{"id":18824,"date":"2025-03-31T14:19:43","date_gmt":"2025-03-31T18:19:43","guid":{"rendered":"https:\/\/margill.com\/?page_id=18824"},"modified":"2025-12-02T15:59:40","modified_gmt":"2025-12-02T20:59:40","slug":"margill-loan-manager-detailed-features","status":"publish","type":"page","link":"https:\/\/margill.com\/en\/margill-loan-manager-detailed-features\/","title":{"rendered":"Margill Loan Manager Detailed Features"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" id=\"hero-image-text-page\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-d6252c37 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><figure style=\"aspect-ratio:16\/9;\" class=\"is-style-rounded-corners-small wp-block-post-featured-image wp-container-content-9b0c1c04\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"855\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2025\/03\/carlos-muza-hpjSkU2UYSU-unsplash.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2025\/03\/carlos-muza-hpjSkU2UYSU-unsplash.jpg 1200w, https:\/\/margill.com\/wp-content\/uploads\/2025\/03\/carlos-muza-hpjSkU2UYSU-unsplash-300x214.jpg 300w, https:\/\/margill.com\/wp-content\/uploads\/2025\/03\/carlos-muza-hpjSkU2UYSU-unsplash-1030x734.jpg 1030w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group block-titre wp-container-content-9b0c1c04 is-vertical is-content-justification-left is-layout-flex wp-container-core-group-is-layout-dca2df2a wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-style-rounded-corners-small has-white-color has-grey-1-background-color has-text-color has-background has-link-color wp-elements-6cb91dac9024f53fa3910409d7420f5d wp-container-content-164459c7 has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-38e99003 wp-block-group-is-layout-constrained\" style=\"padding-top:2em;padding-right:5em;padding-bottom:2em;padding-left:3em\"><h1 style=\"font-style:normal;font-weight:400;line-height:1;\" class=\"has-link-color wp-elements-dd25c488213ed8a9da9ff5da32465dfa wp-block-post-title has-text-color has-dark-grey-color has-xx-large-font-size has-aileron-font-family\">Margill Loan Manager Detailed Features<\/h1><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-6cf1eaf8 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-container-1 is-position-sticky\" style=\"padding-top:1em\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-574e426d wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-style-rounded-corners-small has-secondary-background-color has-background is-layout-flow wp-container-core-group-is-layout-3773554b wp-block-group-is-layout-flow\" style=\"padding-top:1em;padding-right:1em;padding-bottom:1em;padding-left:1em\">\n<p class=\"has-blanc-casse-color has-text-color has-link-color has-medium-large-font-size wp-elements-e3690c475093f204bc124f7d45028c1d wp-block-paragraph\" style=\"line-height:1\">Margill<\/p>\n\n\n\n<p class=\"has-primary-color has-text-color has-link-color has-medium-large-font-size wp-elements-9e12451bc6795f286f0612fa587123ea wp-block-paragraph\" style=\"font-style:normal;font-weight:700;line-height:1\">Loan Manager<\/p>\n<\/div>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\" style=\"font-style:normal;font-weight:500;line-height:1.3\">The industry\u2019s most sophisticated mathematics and customizable interface for lenders with complex\u2026 and not so complex needs.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-a0a5a382 wp-block-group-is-layout-grid\"><div class=\"wp-block-group is-style-rounded-corners-small is-active has-white-color has-primary-background-color has-text-color has-background has-link-color wp-elements-0517e527dd18b8b8e0062a64e8348317 wp-container-content-d2eb3c98 is-nowrap is-layout-flex wp-container-core-group-is-layout-8c1678a1 wp-block-group-is-layout-flex is-linked\" style=\"padding-top:15px;padding-right:15px;padding-bottom:15px;padding-left:15px\"><a class=\"wp-block-group__link\" href=\"https:\/\/margill.com\/products-services\/margill-loan-manager\/\" target=\"_self\" rel=\"follow\" aria-hidden=\"true\" tabindex=\"-1\">&nbsp;<\/a>\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container has-icon-color has-white-color\" style=\"color:#ffffff;width:42px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"47\" height=\"48\" viewBox=\"0 0 47 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M19.0956 3.43779C21.2175 3.43779 23.3186 3.85572 25.279 4.66773C27.2393 5.47974 29.0205 6.66991 30.5209 8.17031C32.0213 9.6707 33.2115 11.4519 34.0235 13.4123C34.8355 15.3726 35.2534 17.4737 35.2534 19.5956C35.2534 21.7175 34.8355 23.8186 34.0235 25.779C33.2115 27.7393 32.0213 29.5205 30.5209 31.0209C29.0205 32.5213 27.2393 33.7115 25.279 34.5235C23.3186 35.3355 21.2175 35.7534 19.0956 35.7534C16.9737 35.7534 14.8726 35.3355 12.9123 34.5235C10.9519 33.7115 9.1707 32.5213 7.67031 31.0209C6.16991 29.5205 4.97974 27.7393 4.16773 25.779C3.35572 23.8186 2.93779 21.7175 2.93779 19.5956C2.93779 17.4737 3.35572 15.3726 4.16773 13.4123C4.97974 11.4519 6.16991 9.6707 7.67031 8.17031C9.1707 6.66991 10.9519 5.47974 12.9123 4.66773C14.8726 3.85572 16.9737 3.43779 19.0956 3.43779ZM19.0956 38.6912C23.842 38.6912 28.1844 36.9653 31.5169 34.1009L44.4983 47.0731C45.0675 47.6423 46.0039 47.6423 46.5731 47.0731C47.1423 46.5039 47.1423 45.5675 46.5731 44.9983L33.6009 32.0169C36.4653 28.6752 38.1912 24.3328 38.1912 19.5956C38.1912 9.04712 29.6441 0.5 19.0956 0.5C8.54712 0.5 0 9.04712 0 19.5956C0 30.1441 8.54712 38.6912 19.0956 38.6912ZM21.6019 11.2137C21.0327 10.6445 20.0963 10.6445 19.5271 11.2137C18.9579 11.7829 18.9579 12.7194 19.5271 13.2886L24.3653 18.1267H10.2823C9.47436 18.1267 8.81336 18.7877 8.81336 19.5956C8.81336 20.4035 9.47436 21.0645 10.2823 21.0645H24.3653L19.5271 25.9027C18.9579 26.4719 18.9579 27.4083 19.5271 27.9775C20.0963 28.5467 21.0327 28.5467 21.6019 27.9775L28.9464 20.633C29.5156 20.0638 29.5156 19.1274 28.9464 18.5582L21.6019 11.2137Z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\" style=\"line-height:1.2\">Try the full version for 30 days<\/p>\n<\/div>\n\n\n<div class=\"wp-block-group is-style-rounded-corners-small has-white-color has-primary-background-color has-text-color has-background has-link-color wp-elements-d65080b89cce0c9ffde07e0ea296787a is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-c8b0efd6 wp-block-group-is-layout-flex is-linked\" style=\"padding-top:15px;padding-right:15px;padding-bottom:15px;padding-left:15px\"><a class=\"wp-block-group__link\" href=\"https:\/\/margill.com\/products-services\/margill-loan-manager\/\" target=\"_self\" rel=\"follow\" aria-hidden=\"true\" tabindex=\"-1\">&nbsp;<\/a>\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container has-icon-color has-white-color\" style=\"color:#ffffff;width:40px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"47\" height=\"48\" viewBox=\"0 0 47 48\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M44.0625 24C44.0625 18.5465 41.8961 13.3163 38.0399 9.46012C34.1837 5.6039 28.9535 3.4375 23.5 3.4375C18.0465 3.4375 12.8163 5.6039 8.96012 9.46012C5.1039 13.3163 2.9375 18.5465 2.9375 24C2.9375 29.4535 5.1039 34.6837 8.96012 38.5399C12.8163 42.3961 18.0465 44.5625 23.5 44.5625C28.9535 44.5625 34.1837 42.3961 38.0399 38.5399C41.8961 34.6837 44.0625 29.4535 44.0625 24ZM0 24C0 17.7674 2.47589 11.7901 6.88299 7.38299C11.2901 2.97589 17.2674 0.5 23.5 0.5C29.7326 0.5 35.7099 2.97589 40.117 7.38299C44.5241 11.7901 47 17.7674 47 24C47 30.2326 44.5241 36.2099 40.117 40.617C35.7099 45.0241 29.7326 47.5 23.5 47.5C17.2674 47.5 11.2901 45.0241 6.88299 40.617C2.47589 36.2099 0 30.2326 0 24ZM24.9688 11.5156V13.627C26.208 13.7188 27.4105 14.0492 28.6039 14.3889C28.7416 14.4256 28.8885 14.4715 29.0262 14.5082C29.8064 14.7285 30.2654 15.5363 30.0543 16.3166C29.8432 17.0969 29.0262 17.5559 28.2459 17.3447C28.0256 17.2805 27.8053 17.2162 27.585 17.152C26.8965 16.95 26.1896 16.748 25.4828 16.6471C23.7295 16.39 22.123 16.6104 20.9572 17.1152C19.773 17.6293 19.2498 18.3178 19.1396 18.9053C18.9744 19.8049 19.3324 20.4199 20.076 20.8973C21.049 21.5215 22.5086 21.9346 24.2803 22.4395L24.3078 22.4486C25.9326 22.9076 27.8787 23.4676 29.2924 24.4406C31.0365 25.634 31.8443 27.5434 31.4588 29.6271C31.0916 31.61 29.7238 32.9318 27.9889 33.6295C27.0801 33.9967 26.052 34.2078 24.9504 34.2629V36.4844C24.9504 37.2922 24.2895 37.9531 23.4816 37.9531C22.6738 37.9531 22.0129 37.2922 22.0129 36.4844V34.1068C21.2693 33.9875 20.0117 33.6295 19.0387 33.3357C18.4053 33.143 17.7719 32.941 17.1385 32.7391C16.3674 32.482 15.9543 31.6559 16.2021 30.8848C16.45 30.1137 17.2854 29.7006 18.0564 29.9484C18.6623 30.1504 19.2682 30.3432 19.8832 30.5268C20.9113 30.8389 21.967 31.1326 22.4627 31.2061C24.2803 31.4723 25.8133 31.3254 26.8689 30.8939C27.8971 30.4809 28.4111 29.8566 28.5488 29.0855C28.7232 28.1217 28.4111 27.3965 27.6125 26.8457C26.5109 26.093 25.1523 25.7166 23.858 25.3586C23.6469 25.3035 23.4266 25.2393 23.2246 25.1842C21.6549 24.7436 19.8281 24.2203 18.4787 23.3574C17.7352 22.8801 17.0375 22.2467 16.5969 21.3654C16.1471 20.4658 16.0277 19.4561 16.2297 18.3545C16.5785 16.4543 18.0656 15.1324 19.773 14.398C20.4523 14.1043 21.2051 13.884 22.0037 13.7463V11.4973C22.0037 10.6895 22.6646 10.0285 23.4725 10.0285C24.2803 10.0285 24.9412 10.6895 24.9412 11.4973L24.9688 11.5156Z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\" style=\"line-height:1.2\">Get a price<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:80%\">\n<div class=\"wp-block-group has-global-padding is-content-justification-right is-layout-constrained wp-container-core-group-is-layout-1b5166ca wp-block-group-is-layout-constrained\" style=\"padding-top:1em\">\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Getting started<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Import your Borrowers in seconds directly from an Excel spreadsheet<\/li>\n\n\n\n<li>Import your regular and irregular loans and payments from an Excel spreadsheet<\/li>\n\n\n\n<li>System configuration and data import services<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Basics<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PC: Windows based \/ Citrix \/ Remote Desktop<\/li>\n\n\n\n<li>Mac running Parallels Desktop<\/li>\n\n\n\n<li>Available as network installed (your infrastructure) or on the Margill Azure Cloud (SAAS)<\/li>\n\n\n\n<li>Uses its own database (Hyperfile)(database is encrypted)<\/li>\n\n\n\n<li>Database can be located at any desired location on a local area network (LAN)<\/li>\n\n\n\n<li>Can be used on your own Cloud too<\/li>\n\n\n\n<li>Network (multi-user) or Single User<\/li>\n\n\n\n<li>Manage from 10 to 100,000+ loans<\/li>\n\n\n\n<li>Search tool in the Main window (Multiple field search)<\/li>\n\n\n\n<li>Large database instant data refresh<\/li>\n\n\n\n<li>Ultra high resolution (4K) and small very high resolution screen (&gt;1080p) optimization<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Security and Privacy<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Login by User name and Password\n<ul class=\"wp-block-list\">\n<li>\u201cStrong\u201d (versus simple) password may be set as mandatory<\/li>\n\n\n\n<li>Multifactor authentication (MFA)<\/li>\n\n\n\n<li>5 attempts to enter software before being locked out<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Users: Administrator, Power, Regular, Draft, Read-only\n<ul class=\"wp-block-list\">\n<li>Multiple other rights can be provided or removed<\/li>\n\n\n\n<li>Compulsory (or not) Template for Main window and Payment schedule data displayed<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>ADMIN user only can activate additional security and confidentiality measures including:\n<ul class=\"wp-block-list\">\n<li>6 activity logs saved as JSON files<\/li>\n\n\n\n<li>\u201cStrong\u201d password<\/li>\n\n\n\n<li>And many more\u2026<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Social Insurance Number and Bank account Privacy<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>The Math<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simple Interest<\/li>\n\n\n\n<li>Simple Interest Capitalized<\/li>\n\n\n\n<li>Compound Interest<\/li>\n\n\n\n<li>Multiple Compounding Periods (no need to match payment frequency)<\/li>\n\n\n\n<li>Multiple Payment Frequencies and Irregular<\/li>\n\n\n\n<li>Regular or Irregular First Payment Date<\/li>\n\n\n\n<li>Multiple Day Counts (Actual\/Actual, Actual\/365, Actual\/360, 30\/360)<\/li>\n\n\n\n<li>Short &amp; Long Periods<\/li>\n\n\n\n<li>Mix of Compound and Simple interest in one schedule (pretty advanced stuff!!)<\/li>\n\n\n\n<li>Add-on (precomputed) Interest<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Origination<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accept \/ Reject applications (bulk import via Excel and JSON)<\/li>\n\n\n\n<li>Create payment schedules<\/li>\n\n\n\n<li>Create loan documents<\/li>\n\n\n\n<li>Store documents<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Interest Rates<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fixed Interest Rate<\/li>\n\n\n\n<li>Variable Interest Rates\n<ul class=\"wp-block-list\">\n<li>Create your own Rate tables (Prime, SOFR, etc.)<\/li>\n\n\n\n<li>Variable rates + or \u2013 x% (Spread)<\/li>\n\n\n\n<li>Update interest rates in bulk (for multiple selected loans at once)<\/li>\n\n\n\n<li>Change interest rates for all future payments or for a specific time period only<\/li>\n\n\n\n<li>Payment schedule automatically updated when the Rate table is updated or updated at regular frequencies\n<ul class=\"wp-block-list\">\n<li>Update Rate tables in bulk via Excel sheet<\/li>\n\n\n\n<li>Payment auto update based on rate increase or decrease<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Rates up to 6 decimal places<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Borrowers \u2013 Guarantors \u2013 Creditors<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Client (Borrower\/Guarantor) Database<\/li>\n\n\n\n<li>Creditor Database<\/li>\n\n\n\n<li>Borrower and Creditor databases independent from the loan itself<\/li>\n\n\n\n<li>Number of borrowers that can be entered in the system is triple (3x) the number of loans purchased with the license<\/li>\n\n\n\n<li>Multi-lender, Syndicated loans (Can include dozens\/hundreds of Creditors \/ Reports participation of each)<\/li>\n\n\n\n<li>Co-Borrower(s) for a loan<\/li>\n\n\n\n<li>Guarantor(s) for a loan<\/li>\n\n\n\n<li>Employer Database<\/li>\n\n\n\n<li>Maximum Credit for all of a Borrower\u2019s Loans<\/li>\n\n\n\n<li>Unlimited custom fields for Borrower, Creditor and Loan<\/li>\n\n\n\n<li>Multiple Loan Officers for a Creditor<\/li>\n\n\n\n<li>Metro 2 Credit reporting fields<\/li>\n\n\n\n<li>Add Notes or Attach files to a Borrower<\/li>\n\n\n\n<li>Import new Borrower data in bulk via spreadsheet<\/li>\n\n\n\n<li>Automatic import and update in near real-time of Borrower\u2019s data via a JSON or Excel file through a Windows Service (API)<\/li>\n\n\n\n<li>Automatic Import\/Export from\/to Salesforce (CRM) of Borrower data (API)<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>International and Standards<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Multi-Currency \/ Convert to one currency<\/li>\n\n\n\n<li>Truth-in-Lending Act (USA)<\/li>\n\n\n\n<li>Canadian Regulations<\/li>\n\n\n\n<li>European Regulations<\/li>\n\n\n\n<li>Standard Interest Calculation Methodology (for most jurisdictions in the world)<\/li>\n\n\n\n<li>English &amp; French Versions<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Amortization Table<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Custom Payment Plans (Regular, Irregular, Principal and Interest, Interest-only, Fixed Principal, Lump Sum, Combination of these, Rate-Adjusted Payments, Recomputation of Payments, Interest Rate Changes)<\/li>\n\n\n\n<li>Additional Principal (Waterfall advances) to an existing Loan (Phased disbursements)<\/li>\n\n\n\n<li>Fees, Penalties, Insurance, Taxes (Add others and name as desired)<\/li>\n\n\n\n<li>Interest or No Interest on Added Principal, Fees, Penalties, Insurance and Taxes<\/li>\n\n\n\n<li>\u201cCash\u201d or \u201cnon-cash\u201d payment types for accounting (Adapt the payment types to your exact needs) (Example: Paid Visa, Paid Check, Admin Fees, etc.)<\/li>\n\n\n\n<li>Custom Additional Principal Types (Name as you wish)<\/li>\n\n\n\n<li>Payment Principal only<\/li>\n\n\n\n<li>Pay interest only and \u201cin advance\u201d<\/li>\n\n\n\n<li>Custom Paid Principal and Paid Interest (can be \u201cIn Advance\u201d) types (name as you wish)<\/li>\n\n\n\n<li>Irregular Payments Management (Unpaid, Partial, Late)<\/li>\n\n\n\n<li>Automatic recomputation of payments after upstream changes (interest rate change, missed payments, balloon payments, etc.):\n<ul class=\"wp-block-list\">\n<li>Interest-only payments<\/li>\n\n\n\n<li>Fixed principal payments<\/li>\n\n\n\n<li>Principal, interest and fee payments in order for the loan to be fully repaid (or with a residual value)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Payment order\/sequence\n<ul class=\"wp-block-list\">\n<li>Regular method: Fees &gt; Interest &gt; Principal<\/li>\n\n\n\n<li>You can manually alter this order<\/li>\n\n\n\n<li>Special method (upon request): Interest &gt; Expected Principal &gt; Fees &gt; Principal<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u201cExpected Principal\u201d concept<\/li>\n\n\n\n<li>Interest payment can pay capitalized interest before current accrued interest (Advanced feature)<\/li>\n\n\n\n<li>End-of-month payments or on the 28, 29, 30, 31<\/li>\n\n\n\n<li>Custom interest regular \u201ccapitalization\u201d date<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Easy User Customization<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Custom Fields (Unlimited)<\/li>\n\n\n\n<li>Custom Scroll Menus\n<ul class=\"wp-block-list\">\n<li>Import and update scroll menus via spreadsheet<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Customization of names and multiple standard fields<\/li>\n\n\n\n<li>Custom Record statuses<\/li>\n\n\n\n<li>Custom Dashboard (Main Window):\n<ul class=\"wp-block-list\">\n<li>Set data displayed by user<\/li>\n\n\n\n<li>Custom Display Record filters<\/li>\n\n\n\n<li>Rename fields names shown in Main window<\/li>\n\n\n\n<li>see portfolio trends and interesting data with Widgets<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Custom Transaction and Payment types (over 100 types)(Paid Cash, Paid EFT, Extra Pmt, etc.)\n<ul class=\"wp-block-list\">\n<li>Set special attributes to these transaction types (must be &gt;0.00,&nbsp; &lt;0.00 or =0.00)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Custom Reports with hundreds of fields<\/li>\n\n\n\n<li>Custom columns (3 monetary, 3 numerical, 3 text) to enter extra loan information<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Tools<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Post payment tool that allows batch posting<\/li>\n\n\n\n<li>Post paid, unpaid, partial and late payments, add Fees, add Comments, etc. \u201cUnpay\u201d paid payments in batch.<\/li>\n\n\n\n<li>Post\/Update payments via an Excel sheet (Unique line ID for each payment or exact date and amount)<\/li>\n\n\n\n<li>Import regular and irregular payments (or extra Principal) in bulk from a simple Excel sheet. Add multiple other data for each payment (Comment, Note, etc.)<\/li>\n\n\n\n<li>API: Automatic data Import and Update (in real time) from third-party information systems by JSON or Excel sheet\n<ul class=\"wp-block-list\">\n<li>Borrowers<\/li>\n\n\n\n<li>Borrowers and Loans<\/li>\n\n\n\n<li>Transactions<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Electronic signature with Xodo Sign&nbsp; (formerly Eversign)<\/li>\n\n\n\n<li>Change future transaction data in bulk (with an Excel sheet)<\/li>\n\n\n\n<li>Send emails in bulk with templates<\/li>\n\n\n\n<li>Send SMS (text messages) in bulk with templates<\/li>\n\n\n\n<li>Record Sorting and Search<\/li>\n\n\n\n<li>Sort by multiple criteria<\/li>\n\n\n\n<li>Full database Search tool<\/li>\n\n\n\n<li>Record Sorting and Search<\/li>\n\n\n\n<li>Sort by multiple criteria<\/li>\n\n\n\n<li>Record Display Filter<\/li>\n\n\n\n<li>Record Notes (unlimited length)<\/li>\n\n\n\n<li>Notes timestamped by user and cannot be changed after 24 hours<\/li>\n\n\n\n<li>Record Notes on Individual Payment Lines<\/li>\n\n\n\n<li>History (Log) of Changes<\/li>\n\n\n\n<li>Document management \u2013 attach files to Loans \/ Borrowers\n<ul class=\"wp-block-list\">\n<li>Add standardized document\/file Types (tags) and Comment<\/li>\n\n\n\n<li>Log of attached file activity<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Returned checks module<\/li>\n\n\n\n<li>Global import\/changes in the database manually or via Excel sheet<\/li>\n\n\n\n<li>Bulk import and change data and fees in payment schedule (via Excel sheet)<\/li>\n\n\n\n<li>Mass change data in Payment schedule<\/li>\n\n\n\n<li>Quick Irregular payments entry<\/li>\n\n\n\n<li>Backup (automatic or one-click when needed)<\/li>\n\n\n\n<li><em>Sandbox<\/em>&nbsp;(test environment) before updating to latest version<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Alerts<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>System Alerts, Line status Alerts, Record Alerts, Payment Line-specific Alerts, Conditional Alerts<\/li>\n\n\n\n<li>Send automatic reminders to Borrowers by Email (upcoming payments, unpaid payments, etc.). Create your own templates.<\/li>\n\n\n\n<li>Alerts can be sent via email or SMS internally (to other key personnel)<\/li>\n\n\n\n<li>Show and change Notes directly from Alerts<\/li>\n\n\n\n<li>Add Alerts from the Alerts module<\/li>\n\n\n\n<li>Send Emails and SMS automatically from the Alerts module to Borrowers<\/li>\n\n\n\n<li>Maximum credit for a Borrower for all his Active loans in the system<\/li>\n\n\n\n<li>Send invoices\/statements (Document Merge) via Alerts window<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Reporting \u2013 Invoices \u2013 Statements<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Custom Reports using over 1000 fields + Custom fields+ Equations you create<\/li>\n\n\n\n<li>Sorting and subtotals according to the chosen fields in the Record list.<\/li>\n\n\n\n<li>Automatic report creation (overnight or anytime) and import to third-party software (report generation with Windows Task scheduler)\n<ul class=\"wp-block-list\">\n<li>Reports can be saved or sent via email automatically<\/li>\n\n\n\n<li>Reports can be sent to FTP or secure FTP directory<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Create Advanced queries (include or exclude part of portfolio)\n<ul class=\"wp-block-list\">\n<li>Include loans (for invoicing) only if payments are expected<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Executive Dashboard (Portfolio overview \u2013 number of records, amounts, averages and graphics)<\/li>\n\n\n\n<li>Transactions Report<\/li>\n\n\n\n<li>Financial Projections<\/li>\n\n\n\n<li>Contracts, Letters, Invoices, Statements (Custom Merges with your Word (DOCX or RTF) Documents)<\/li>\n\n\n\n<li>Produce DOCX, RTF or PDF documents<\/li>\n\n\n\n<li>Send Invoices \/ Statements in bulk by Email, attach to Record, save and print with one click<\/li>\n\n\n\n<li>Creditor\/investor statements (including participation loans)<\/li>\n\n\n\n<li>Mathematical Equations: Add, subtract, multiply, divide\u2026 fields together<\/li>\n\n\n\n<li>Advanced Mathematical Equations including IF \/ IF NOT conditions<\/li>\n\n\n\n<li>Data fields classified by theme<\/li>\n\n\n\n<li>Standard Reports<\/li>\n\n\n\n<li>Detailed payment schedules (Including Quarterly, Yearly, Fiscal Year-end Totals)<\/li>\n\n\n\n<li>Monthly, Quarterly, Yearly Reports (or Between any Dates)<\/li>\n\n\n\n<li>Current Balances<\/li>\n\n\n\n<li>Escrow reporting<\/li>\n\n\n\n<li>Repayment Ratio<\/li>\n\n\n\n<li>Detailed Accounting Data (see below)<\/li>\n\n\n\n<li>Ageing report (current, 30, 60, 90\u2026 days late)<\/li>\n\n\n\n<li>Credit reporting (Metro 2) (with Credit Manager 5 by The Service Bureau)(USA and Canada)<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>APR Module<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Very sophisticated calculation for multiple APR scenarios<\/li>\n\n\n\n<li>Fees can be Paid up-front, Financed or Paid subsequently<\/li>\n\n\n\n<li>Paid Financed fees distribution by type<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Accounting<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accounting automatic refund order:\n<ul class=\"wp-block-list\">\n<li>Fees, Interest, Principal<\/li>\n\n\n\n<li>Order may me modified<\/li>\n\n\n\n<li>Great flexibility for irregular orders<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Export Debits and Credits to your General Ledger (QuickBooks, Sage 50\/300, Acomba, CSV, TXT, Excel)<\/li>\n\n\n\n<li>Over 350 accounting fields for reporting:<\/li>\n\n\n\n<li>Interest Accrued and Paid, Paid Principal, Outstanding Amounts, Principal Balance, Due Interest, Payment source, etc.<\/li>\n\n\n\n<li>Export to your GL as Lender or as Borrower\n<ul class=\"wp-block-list\">\n<li>Accounting entries according to creditor participation<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Total Debits and Credits by account<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Electronic Funds Transfer<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ACH with NACHA file for the <strong>United States<\/strong>\n<ul class=\"wp-block-list\">\n<li>VoPay International payment processor in the US<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Automatic debit from bank account \u2013 <strong>Canada <\/strong>via ACCEO-Tranphere and VoPay International including e-Transfer (credit) to Borrowers\n<ul class=\"wp-block-list\">\n<li>Automatic update of Affiliate Records when Master Records are updated<\/li>\n\n\n\n<li>Automatic payment returns (NSF)<\/li>\n\n\n\n<li>Cannot submit payments requests if more than x previous bounced payments<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Europe<\/strong>: SEPA EFT files (pain008.001.02 and pain008.001.08)<\/li>\n\n\n\n<li><strong>South Africa<\/strong> &#8211; Direct debit with Standard Bank<\/li>\n\n\n\n<li>Other countries \u2013 development based on your needs<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Fees, Insurance and Taxes<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Include fees, insurance or taxes with automatic recomputation based on:\n<ul class=\"wp-block-list\">\n<li>Percent of loan balance<\/li>\n\n\n\n<li>Percent of interest accrued<\/li>\n\n\n\n<li>Percent of principal balance and days (same calculation as Simple interest)<\/li>\n\n\n\n<li>Simply an amount set by user that can be changed as needed<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Fees can be added as columns (6 personalized columns) or as lines<\/li>\n\n\n\n<li>Column fees automatically generated according to the rules established by the Administrator<\/li>\n\n\n\n<li>Column Sales Taxes automatically eliminated for unpaid payments<\/li>\n\n\n\n<li>Escrow module<\/li>\n\n\n\n<li>Easily change Fees refund order<\/li>\n\n\n\n<li>Automatic fees based on number of days late<\/li>\n\n\n\n<li>Automatic fees according to the Record Type or a Custom field.<\/li>\n\n\n\n<li>Column fees paid automatically according to a preset refund order that can be modified<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Web Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bulk import loan applications and accept or decline (via JSON or Excel file). Keep history of all applications<\/li>\n\n\n\n<li>Automatic and real-time import of approved loans from your loan approval system via JSON or Excel<\/li>\n\n\n\n<li>Web Portal for your borrowers and investors to consult various data pertaining to their loan(s)(you decide on which data can be seen)<\/li>\n\n\n\n<li>Salesforce data exchange via our API<\/li>\n\n\n\n<li>Gmail and Microsoft family \u201cOAut 2.0\u201d protocol for sending emails<\/li>\n\n\n\n<li>On-line web application form (customized for each customer)(web \u2013 separate module from MLM)<\/li>\n\n\n\n<li>On-line loan approval tool (web \u2013 separate module from MLM)<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>API<\/strong>  TO FIX<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Microsoft mail \/Gmail OAut 2.0<\/li>\n\n\n\n<li>Salesforce data exchange<\/li>\n\n\n\n<li>Automatic and real-time import and update of loans, borrowers and transactions via JSON or Excel files (<em>hot folders<\/em>)<\/li>\n\n\n\n<li>Various Electronic Funds Transfer APIs with EFT providers<\/li>\n\n\n\n<li>Custom APIs developed based on your needs<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Cool Features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Customize your Dashboard (Main window) \u2013 important data for your needs<\/li>\n\n\n\n<li>Add Color to identify problem loans \/ Sort and Display by color\n<ul class=\"wp-block-list\">\n<li>Change Color Name (Loan Labels)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Add Color to payment lines<\/li>\n\n\n\n<li>Compulsory Fields<\/li>\n\n\n\n<li>Background tasks: automatic backups, current balance recomputation, alerts etc.<\/li>\n\n\n\n<li>Scan files directly in the software (then attach documents)<\/li>\n\n\n\n<li>Increase or decrease font size in the Dashboard, Payment schedule, Post payment window<\/li>\n\n\n\n<li>Spreadsheets directly in most reports<\/li>\n\n\n\n<li>35+ shortcuts \u2013 view with F2<\/li>\n\n\n\n<li>Unique Identifiers for Borrowers, Creditors and Loans (to tie in to third-party software)<\/li>\n\n\n\n<li>Loan balance and Ageing report based on date \u2013 updated daily on Dashboard<\/li>\n\n\n\n<li>Obtain the amount payable by borrower at any date to get his payment schedule back on track<\/li>\n\n\n\n<li>Remembers last report dates<\/li>\n\n\n\n<li>Email mass sending test tool<\/li>\n\n\n\n<li>Multiple customizable field names<\/li>\n\n\n\n<li>System Notes in Main window<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Investor Module&nbsp;(Participation \/ Syndicated Loans)(as an add-on module only)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Manage complex multi-creditor (investor) investment scenarios including investments and divestments at various dates, pro-rated interest calculations and payment of interest and principal based on investment amounts and dates<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3254e793 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Help<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quick Tutorial directly in Margill<\/li>\n\n\n\n<li><a href=\"http:\/\/margill.com\/en\/contact-us\/\">Take a Quick Tour with one of our Experts<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/margill.com\/en\/ncm\">Download a 30-day Trial<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.margill.com\/margill-loan-manager\/MLM-Quick-Start-User-Guide.PDF\" target=\"_blank\" rel=\"noreferrer noopener\">Quick Start User Guide<\/a><\/li>\n\n\n\n<li>Short&nbsp;<a href=\"http:\/\/margill.com\/en\/knowledge-base-new\/kb-loan-manager\/video-guides\/\">video guides<\/a><\/li>\n\n\n\n<li>Detailed User Guide (over 1200 pages!)(available upon request)<\/li>\n\n\n\n<li>Knowledge Base:&nbsp;<a href=\"https:\/\/www.margill.com\/en\/knowledge-base\/\">margill.com\/en\/knowledge-base\/<\/a><\/li>\n\n\n\n<li>Questions or having problems?&nbsp;<a href=\"http:\/\/margill.com\/en\/contact-us\/\">Call or email<\/a>.&nbsp; We are there for you\u2026<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Margill Loan Manager The industry\u2019s most sophisticated mathematics and customizable interface for lenders with complex\u2026 and not so complex needs. Try the full version for 30 days Get a price Getting started Basics Security and Privacy The Math Origination Interest Rates Borrowers \u2013 Guarantors \u2013 Creditors International and Standards Amortization Table Easy User Customization Tools [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":17866,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"no-title","meta":{"_crdt_document":"","footnotes":""},"class_list":["post-18824","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Margill Loan Manager: All Detailed Features | Margill<\/title>\r\n<meta name=\"description\" content=\"Explore detailed features of Margill Loan Manager, including calculations, schedules, reporting, automation, integrations, APIs, and tools for advanced lending operations.\" \/>\r\n<meta 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