Loan Servicing

Learn how to effectively manage loan servicing in Capstack with our step-by-step guide. From adding loans to tracking payments, streamline your loan management process today.

11 May 2025 By Tzvika Perelmuter

In this guide, we'll learn how to manage Loan Servicing using the Capstack platform. We'll explore how to navigate the system to add and manage existing loans, including filling in necessary details such as industry, loan amount, and borrower information and documents. Additionally, we'll cover how to invite participating institutions, track payment records, create remittance reports, and utilize features like ticklers and direct chat for effective communication. This guide aims to provide a clear understanding of the loan servicing process within Capstack, ensuring efficient management and tracking of existing loan activities for all parties.

Let's get started

To manage and log in to the loan servicing capability, click on "Participation," then select "Manage Loans."

Step #1: Click on "Participations" — Click on "Participations"

Step #2: Click on "Manage loans" — Click on "Manage loans"

Once you click on "Manage Loans," you will see both the sell side and the buy side.

To support an existing loan you want to manage, simply click on "Add Loans."

Step #3: There are 2 tabs: "Sell side" and "Buy Side" — There are 2 tabs: "Sell side" and "Buy Side"

Step #4: Go to "Sell Side" and Click on "Add Loans" — Go to "Sell Side" and Click on "Add Loans"

Once you click on "Add Loans," you need to choose between adding a single loan or multiple loans. Currently, we only support adding individual loans. Add the single loan and fill in all the details.

Step #5: Click on "Add Single Loan" — Click on "Add Single Loan"

You can fill in the industry, the total loan amount, and other details.

Step #6: Step 1: Fill the public information — Step 1: Fill the public information

Step #7: Enter the total loan amount — Enter the total loan amount

Continue filling all necessary details and then Click Next.

Step #8: Click on "Next" — Click on "Next"

Next, you need to fill in the private information, including details about the borrower, property address, business address, guarantors, and more, once you finished Click "Next".

Step #9: Click on "Next" — Click on "Next"

Next, go to the loan information, which includes the institution type and institution state. Then, invite the participating institution to join Capstack, and they will receive the participation reports.

Here, you can select whether the entity you want to invite to Capstack is a bank.

Step #12: Click on "Select institution state" — Click on "Select institution state"

Now you can invite the participating institution: You can select his state, name, email and then he will get an invite to Capstack to view this specific loan.

Step #13: Select the state — Select the state

Step #14: Click on "Enter contact email" and fill the inviter email — Click on "Enter contact email" and fill the inviter email

Step #15: You can also add core reference id "Enter loan core reference id" — You can also add core reference id "Enter loan core reference id"

Click "Next," then follow the summary and click "Finish."

Step #16: Click on "Next" — Click on "Next"

Step #17: Click on "Finish" — Click on "Finish"

Great.

Now you can see the loan participation. We are currently on payment number 14 out of 120, and the loan status is current.

To add a payment record, click "Add Payment Record." Then, fill in the total borrower payment, for example, $2,000. Enter the date and the previous loan balance, such as $20 million. Specify the principal amount, for instance, $1,000, and the interest, say $2,000. Include the servicing fee, for example, $5. Finally, enter the ending loan balance.

Step #20: Click on "Add Payment Record" — Click on "Add Payment Record"

Step #21: Click on "Enter amount" — Click on "Enter amount"

Step #22: Fill the "Payment received date" — Fill the "Payment received date"

Step #23: Fill "Enter previous loan balance" — Fill "Enter previous loan balance"

Step #24: Click on "Enter principal amount" — Click on "Enter principal amount"

Step #25: Click on "Enter interest payment" — Click on "Enter interest payment"

Fill all details and the Click "Save payment record"

Step #26: Click on "Save payment record" — Click on "Save payment record"

Save the payment record by clicking "Yes" to confirm. You will then have the payment record.

Step #27: Click on "add payment record" — Click on "add payment record"

The participating bank can track the payment record from this. Click here to download the payment confirmation. This will also allow you to download the remittance report.

Step #29: Click on "✓ Download confirmation"N — Click on "✓ Download confirmation"N

Next, lets move to the Payments tab - here you can see the full payments history and add new payments:

Step #30: Click on "Payments" tab — Click on "Payments" tab

Next lets move to Loan Information tab - here you can see all loan details:

Step #31: Click on "Loan information" — Click on "Loan information"

There is also a Ticklers tab that enables ticklers tracking:

Step #32: Click on "Ticklers" — Click on "Ticklers"

You can view existing ticklers and create new ones. For example, you can choose a name for each tickler.

Step #33: Click on "Create New Tickler" — Click on "Create New Tickler"

You can select the tickler's name and set the frequency.

For example, if you want to check a tickler on a monthly basis and the start date is today, you can create it. Then, each month, you can determine if this tickler is true or false.

Step #35: Click on "Create" — Click on "Create"

Step #36: Click on "Close" — Click on "Close"

Click "Add New Check," then upload the document. Indicate whether it passed or not, and include the date.

Step #37: Click on "+ Add new check" — Click on "+ Add new check"

Step #38: Fill the result and the check date — Fill the result and the check date

Let's write and save, and you also need to file a document to complete that.

Finally, you have a direct chat feature. You can chat directly with both the participant and the originator here. You can communicate with both the participating and originating bank in a single chat.

Step #39: Click on "Direct chat" — Click on "Direct chat"

Thank you.