Transform Your Commercial Loan Servicing withIntelligent Automation
PayoffAgent eliminates manual work in commercial loan servicing. AI-powered document extraction, instant calculations, and automated workflows—saving your team 800+ hours per year.
Complete Workflow Automation
From document retrieval to final payoff letter—fully automated.
SharePoint Integration
Connect PayoffAgent to your SharePoint document library. Search by loan ID or borrower name, and we'll instantly locate the loan agreement—no more hunting through folders.
Production Ready: OAuth 2.0 authentication with role-based access control. We only access what you authorize.
AI Document Extraction
Our AI reads the loan agreement and automatically extracts all critical terms—principal, interest rate, payment schedules, prepayment penalties, fees, and more. Even handles complex loan structures.
Extracts:
- • Principal balance
- • Interest rate & calculation method
- • Payment schedules (including step payments)
- • Prepayment penalty tiers
Also Handles:
- • Variable rates (SOFR, Prime)
- • Balloon payments
- • All day count conventions
- • Default interest rates
Instant Payoff Calculation
Enter the desired payoff date. PayoffAgent calculates the exact amount in seconds—including current principal, accrued interest, prepayment penalties, and all fees.
Calculation Engine: Handles Actual/360, Actual/365, 30/360 day counts. Applies tiered penalties. Factors in balloon payments. Every calculation is accurate and auditable.
Professional Documentation
Generate a comprehensive payoff letter with detailed breakdown, calculation methodology, and all assumptions. Professional formatting, ready to send to borrowers.
Enterprise Features: Custom branding available. Payoff letters automatically save back to SharePoint in designated folders with searchable metadata.
Complete Audit Trail
Every calculation is logged with user, timestamp, source documents, and calculation details. Perfect for compliance, regulatory requirements, and internal audits.
Compliance Ready: Generate reports instantly. Track who requested what and when. Links directly to SharePoint documents for full traceability.
Built for Your Industry
Equipment Finance
Built specifically for equipment finance companies handling complex loan structures with step payments, balloon payments, and prepayment penalties.
- Heavy equipment financing
- Vehicle fleet financing
- Medical & dental equipment
- Technology & IT equipment
Commercial Real Estate
Handle CRE loans with variable rates, yield maintenance, defeasance, and complex prepayment structures automatically.
- Multifamily properties
- Office buildings
- Retail & industrial
- Mixed-use developments
Asset-Based Lending
Quickly process payoffs for revolving credit facilities and term loans secured by business assets and inventory.
- Accounts receivable financing
- Inventory financing
- Machinery & equipment
- Business acquisition loans
Integrates with Your Systems
No rip-and-replace. PayoffAgent works with your existing infrastructure.
Microsoft SharePoint
Direct integration with SharePoint Online and SharePoint Server. Automatically retrieves loan agreements and saves payoff letters back to your document libraries.
Your data stays in your environment. All documents remain in SharePoint. We only access what you authorize.
API Access (Enterprise)
RESTful API for integration with loan origination systems, servicing platforms, and internal tools. Automate payoff calculations programmatically.
Full API documentation provided. Webhooks for real-time notifications. Rate limits tailored to your volume.
Enterprise Security & Compliance
SOC 2 Type II
Compliant infrastructure with annual audits
Encryption
AES-256 at rest, TLS 1.3 in transit
RBAC
Role-based access control for all users
Audit Logs
Complete activity logging for compliance
Ready to Transform Your Loan Servicing?
Join the commercial lenders already saving hundreds of hours with PayoffAgent. Schedule a personalized demo today.