Frequently Asked Questions

LoanBoss is an institutional debt management platform. It works by connecting the three most critical data sources:
1. Your abstracted loan documents (up to 400 fields)
2. Your G/L financials (from Yardi, MRI, RealPage, etc.)
3. Live market data (rates, curves, vol surfaces)By combining these, LoanBoss automates your most complex, repetitive work: compliance testing, portfolio reporting, hedge MtM, cashflow modeling, and debt valuations. It's the single, auditable source of truth for your entire portfolio.

LoanBoss is built for real estate owners, asset managers, and finance teams.  Our platform is designed for sophisticated users who manage complex portfolios with diverse loan structures, lender-specific requirements, and complex hedging strategies.It's for teams who have built great models in Excel but are now seeking to automate the repetitive work of monthly reporting, covenant testing, P&I projections, and valuations.

• Property financials sync automatically from your management system (Yardi, MRI, RealPage, etc.).
• Market rates and curves update continuously throughout the day.
• You never manually input loan terms. You never maintain amortization schedules. You never update rate curves. We create less work, not more.

All CRE loan types—bank, CMBS, agency, construction, bridge, mezz, lines of credit, and portfolio loans.  More   importantly, we handle the complex variations that break other platforms.  If it's in your loan docs, it's in our system.

LoanBoss supports all property types.  Multifamily, industrial, retail, office, self-storage, hospitality, medical, mixed use, etc.   More importantly, we handle property-specific complexities.  Hospitality is different than self-storage.  Multifamily repair schedules aren't needed for industrial reserves tracking.  The property type doesn't matter—the complexity does.

We integrate with all major property accounting platforms. But here's what sets us apart: property financials don't just feed reports—they can automatically override principal, interest, and loan balances in your amortization schedules and drive real-time covenant testing. Your property financials are your source of truth and you shouldn't have to manually upload them.

LoanBoss pulls financial data directly from all the major property accounting platforms like Yardi, MRI, and RealPage.  Automatically, no manual uploads.  No IT heavy lifting required.  Property financials flow straight into NOI adjusted covenant calculations, debt service coverage tests, and loan amortizations.  Set it and forget it.

• Portfolio Surveillance: What is my total lender exposure? Which floaters should I refi? Which loans have a MAC clause?
• Covenant Testing: What's my current DSCR? What was the DY in Q2 of last year?
• On-Demand Prepays: What is my exact defeasance or prepay in 180 days?
• Live Rates and Hedging: What would a new swap cost today, and how does it compare to my current rate? Monthly Mark to Market reports. What is my replacement cap projected to cost?

Yes. LoanBoss is built specifically for the complexity of institutional ownership. You can manage unlimited properties, portfolios, funds, and JVs from a single dashboard.

Our platform is designed to handle complex ownership structures, allowing you to allocate loans and track equity stakes across your entire organization.

Furthermore, you can securely share specific deals with external partners (like investors or JV partners) and set granular permissions so they only see what you've approved. This isn't just a centralized list; it's a true, multi-entity management system built for complex structures.

• Automated Mark-to-Market (MtM): Get real-time, ASC 820-compliant valuations on demand
• Monthly Hedge Settlements: We calculate your hedge payments automatically
• Cashflow Modeling: See projected values and costs under any rate scenario.

1. They are created automatically: When we abstract your 400 fields of loan data, we automatically build and maintain your entire critical date timeline. You don't have to manually populate or manage a calendar.
2. They are calculation-based: This is the real power. You won't just get a pop-up that a "test date is near." You'll get an automated alert that your DSCR is trending below 1.35x based on live financials, or that your prepay penalty is projected to drop below 5% of the loan balance in 3 months.

• Lockout
• Flat Percentage
• Aggregate Interest
• Spread Maintenance
• Yield Maintenance (Agency Style)
• Make Whole
• Swap Breakage
• Defeasance

All of them: Lockout, Flat Percentage, Aggregate Interest, Spread Maintenance, Yield Maintenance, Yield Maintenance (Agency Style), Make Whole, Swap Breakage, and Defeasance. We'll even alert you before step-downs and calculate exact prepayment costs for any date.

LoanBoss handles every amortization type: mortgage style, straight line, step-up, step-down, agency floater, fixed payment, interest-only periods, and fully custom schedules. If your loan has a unique amortization structure, we can model it.

Every single one. Act/360, 30/360, Act/365, Act/Act, Act/365 Fixed—if it exists in the market, we calculate it correctly. No more manual adjustments or override spreadsheets.

Following, preceding, modified following, modified preceding, and unadjusted. Both payment in advance and in arrears. Your loans calculate exactly as your loan documents specify—no workarounds required.

You can securely share specific deals with any external stakeholder, such as investors, lenders, or JV partners.

You simply designate which deals you want to share, and they receive their own secure LoanBoss account with access only to that information. You can set permissions so they see exactly what you've approved.

This isn't just a shared report; it's a true, auditable multi-entity management system. And since we only charge for a loan once, this feature is completely free of charge.

• Current loan balances and property performance metrics.
• Up-to-date financial data.
• Live prepayment and hedge cost estimates.

• 20-30 Loan Portfolio: Fully abstracted, QA'd, and live in 3-4 weeks
• 300+ Loan Portfolio: Fully onboarded in 2-3 months

The single biggest factor is how quickly we receive all of your loan documents. You give us the docs; we give you back a fully automated platform.

LoanBoss was built by real estate professionals and for real estate professionals.  You'll feel like you are working with another real estate firm, not a typical tech company.

You'll work with real estate professionals who actually understand the complexities of debt—not a generic help desk. When you call about a nuanced NOI adjustment on your covenant calculation, you're talking to someone who has calculated more of these than you have.

You get a dedicated Onboarding Specialist who understands your portfolio and will guide you through the entire process.  A Client Success team empowered to help you.  We respond to every question within two hours, even if it's just to say we have received your message and are actively investigating.

We built LoanBoss because we've been in your shoes. Our support feels like calling a colleague, not a vendor.

• Your data is encrypted at rest (AES-256) and in transit (TLS 1.3)
• We maintain daily backups, role-based access controls, and detailed audit logs of all system activity
• We undergo annual penetration testing and security audits