Lending and Financial Operations

Flag a borrower falling behind—before they're several payments late

A lender tracks loan payments and delinquency in a spreadsheet updated after the fact, so a borrower falling behind isn't flagged until they're already several payments late. Build delinquency flagging that happens the moment a payment is missed.

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A spreadsheet updated after the fact is already too late

If delinquency only becomes visible when someone manually reconciles payments against the schedule, the window for early intervention has already closed. Early outreach is far more effective than outreach after a borrower is deep in arrears.

Flag a missed payment the moment it's due and unpaid, so collections can start while the situation is still recoverable.

From schedule to payoff
Loan is set up with a payment schedule from origination
Payments are recorded against the schedule as received
Statements are generated and delinquency is flagged on a missed payment
Delinquent accounts are tracked through a collections process
Loan payoff is recorded and the account closes

Who uses it

Three views of the same loan

Borrower (portal, optional)

View payment schedule, statements, and make payments.

Servicing staff

Process payments and manage the servicing lifecycle.

Collections

Work delinquent accounts flagged the moment a payment is missed.

What the system tracks and automates

Records

Loans, payment schedules, transactions, statements, delinquency status.

Automations

Payment-due reminders, delinquency flagging, and statement generation.

Integrations

Payment processor, and email or SMS notifications. See supported integrations.

Custom logic

Loan-type-specific payment schedules, and delinquency-escalation rules.

Platform

Own the application. P2HS runs the platform.

Security

Roles and permissions you define, on infrastructure P2HS secures and audits. See security & compliance.

Hosting & domain

Deploy as a securely hosted application on your own domain. See hosting & domains.

Code ownership

Connect GitHub and keep developing the application yourself. See how code ownership works.

Example build brief

Example prompt
Build a loan servicing app with payment schedule tracking, transaction recording, automated statement generation, delinquency flagging, and payoff processing.

Scenarios to test in your preview

A missed payment must flag delinquency immediately, not after a manual review.
A payoff must reconcile the final balance including any accrued interest, not an estimate.
A partial payment must be applied correctly against principal and interest, not just marked "paid."

FAQ

Common questions about loan servicing software

Who is this for?

Lenders and servicers managing loan payments and delinquency after origination.

Where do loans come from?

Loans typically originate in loan origination software before moving into servicing.

Does this handle formal collections/legal action?

It tracks the delinquency workflow up to that point. Formal collections and legal processes follow your existing procedures.

Related platform pages

See how loan servicing fits into the wider P2HS platform.

loan origination software commercial lending workflow subscription management full-stack AI app builder

Build the servicing app that flags delinquency early

Describe the workflow. Review the foundation. Launch it on your own domain.

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