Servicing that runs in the background — and tells you when it can't.
From disbursement to final payment: schedules, ledgers, returns, fees, and payment rails on both sides of the border — inside the same system as everything else.
Balance-aware ACH · auto-pauses on return (never auto-retries).
The problem
Servicing is where lenders quietly drown. The schedule lives in one system, the ACH portal in another, the ledger in a third, and the truth in none of them. Every return means a hunt; every modification means a prayer; every month-end means an export.
Built for the way you actually operate.
Agreements and schedules
Real-time balances from disbursement to payoff. Schedules auto-create, support multiple concurrent structures, and update while preserving history — with modifications on an audit trail and promise-to-pay tracking that resolves or flags itself.
A ledger you can trust
Every debit, credit, and running balance on the transaction ledger; agreement performance — paid-in percent, days past due, aging, next payment — visible per deal and across the book. Payment pace tracking shows who's drifting before they're delinquent.
Payments, both rails
ACH through ACHWorks, Actum, and JP Morgan (CAD), plus full Canadian EFT — covering collections, funding disbursements, syndication payouts, and commissions. Holiday handling, no-overdraft logic, batch controls, and one-off debits and credits without leaving Salesforce.
Returns and fees, on rails
Return-code-driven fee automation, late-return handling, fee waivers with revenue tracking, and delinquency automation that opens the right case at the right threshold.
Books that close
An accounting subledger with journal entries, payables, and audit-ready reporting — including payoff and zero-balance letter generation on demand.
Two things you should know because they're true: nobody in this industry can legally auto-retry a failed ACH — so when returns hit your threshold, Cloudsquare auto-pauses the schedule and tells you, instead of pretending. And statements are generated on demand, whenever you or the merchant need one.
Related capabilities
Questions, answered.
ACHWorks, Actum, and JP Morgan for CAD — plus full Canadian EFT with US ACH under one roof. Same-day and next-day processing supported.