Loan servicing software for private lenders.
Your loan book, where the numbers can't quietly move.
- Ledger, servicing, and payment intake in one controlled workflow.
- Interest, fees, payments, and corrections post into an append-only loan history.
- Period close gives your team a locked month and a report package when someone asks.
The objection
The number that keeps you up at night.
Most months your spreadsheet is fine. The statement goes out. Nobody asks a hard question.
The blow-up is the August call when an LP asks what the principal balance was on March 31, and the file has been edited twice since then.
Valis is built for that question: posted entries stay posted, closed periods need a controlled reopen, and the close package shows who did what.
When someone asks what the number was on March 31, you point at it. It hasn't moved.
Three claims, in plain English
Append-only ledger
Many systems keep a log after a record changes. Valis treats posted ledger rows as final and writes corrections beside them.Controlled close
Month-end is a workflow with review, lock, and signed reopen, not a spreadsheet tab someone promises not to touch.Loan servicing rules
Choose the interest method and fee treatment that matches the loan. Payments then allocate through the agreed waterfall.Loan methods
Interest, fees, and payments follow the loan terms.
A private loan book is not one formula repeated forever. Valis lets you set the servicing rules the loan actually uses, then posts the result into the ledger.
Use the accrual method that fits the note, such as actual-day interest, scheduled amortization, or another supported convention.
Late fees, servicing fees, credits, and adjustments are visible ledger activity, not hidden cells.
Incoming money can be applied to fees, interest, principal, or credit according to the loan's rules.
Ledger foundation
Append-only at the database layer. Not an audit log on top.
The posted entry stays posted.
Most loan systems keep a log that says a number changed. Valis makes a stronger promise: a posted ledger entry is not rewritten.
The payment, fee, accrual, or correction enters the ledger as a new signed row.
The database refuses edits or deletes to that posted row.
If the number was wrong, Valis writes a reversal pair. The original remains visible.
Why it matters.
For an LP, a CPA, or an auditor, the question is not whether Valis remembers that something changed. The question is whether the old number can still be shown exactly as it was.
That is the difference between an audit log on top of mutable records and a ledger that is append-only underneath.
Period close
Close the books. Reopen only with dual control.
Period close is a controlled checkpoint: review what came in, resolve exceptions, lock the period, then reopen only with a second signature.
Look at payments, allocations, balances, exceptions, and reports before lock.
Once locked, Valis refuses ledger activity inside the closed month.
If something must change, the reason and second admin signature stay with the close history.
Reason: LP diligence question
Auto-relock: 24 hours
Scope: March 2026 period
Both signatures logged
Reconciliation
Bank payments come in as a review queue, not a pile of rows.
Map the bank export once.
Pick the issuing bank, upload the CSV, and Valis parses the file into an import history. There is no bank API to set up before you start. If your export format differs, we help map it once, then reuse that mapping.
Review before posting.
Each receipt is suggested against loans using amount, date, borrower, memo, and prior import patterns. Your team reviews the match, then Valis allocates the payment through the waterfall.
Where it fits
Too important for Excel. Too small for six-figure enterprise software.
Excel, QuickBooks, bookkeeper
Familiar, flexible, and unable to enforce a locked period.
Small-business loan systems
Useful operational coverage, usually with audit logs on mutable records or module-based pricing.
Audit-grade servicing for sub-$100M lenders
Append-only storage, controlled period close, CSV payment intake, reporting, published CAD pricing.
Mid-market and enterprise LMS
Broad, expensive, and sized for larger teams than the lender replacing a spreadsheet.
Published CAD pricing. No paid modules. No per-loan fees.
See the tiersOperating note
Built from first principles, not from add-ons.
Valis starts with the parts of loan servicing that have to be correct: loan terms, interest accrual, fees, payment intake, waterfall allocation, ledger posting, period close, and reporting. We are not building a borrower portal, CRM bundle, or enterprise lending OS. We are building the controlled loan book that should sit underneath those add-ons.
Now and next
Start without bank APIs. Add more later.
CSV intake first
RBC, TD, BMO, Scotia, CIBC presets plus a generic mapper. If your bank export differs, we help map it.
Reporting module
Pull the reports, statements, ledgers, and close package you need. This is controlled reporting, not a raw database dump.
Later integrations
Bank APIs can come later for teams that need them. The first version avoids that cost and setup burden.
Walkthrough
Stop being the single point of failure for your loan book.
A 20-minute walkthrough is enough to see whether Valis is the right size of risk for your shop. We'll show the append-only ledger, walk through a period close, and let you decide.