Loan Management Software

Stop doing
loans manually.

Amorta automates every journal entry, amortization schedule, and ST/LT classification across your portfolio — so your team spends time on clients, not spreadsheets.

100%
Automated journal entries
0h
Manual amortization work
QBO
Direct QuickBooks export

The old way is costing you hours.

Every manual step is a risk — wrong rate, missed entry, forgotten adjustment. Amorta eliminates each one.

❌  Before Amorta
Manually calculating adjustments every month
Hand-keying journal entries into QuickBooks
Amortization schedules in Excel — break when rates change
Ignoring or missing ST / LT reclassification
Interest expense lumped into one GL line for all loans
Documents scattered across email and folders
No tracking of cash outflows for loan repayments
Misapplied payments and unmonitored defaults
✓  With Amorta
All entries calculated automatically — booking to maturity
Every JE ready to export as QBO CSV — one click
Dynamic schedules that auto-adjust for variable rate changes
Automated ST/LT from booking date through end of term
Interest tracked per loan, per month, and per year
All documents stored and accessible per loan
Cash flow report month-by-month — interest and principal
Default monitoring with accrued interest and JE automation

Built for accountants.

Everything your team needs to manage any loan type — commercial, SBA, equipment, mortgage, or line of credit.

Every loan.
One screen.

Your entire portfolio at a glance — total proceeds, interest cost, accrued interest, and average rate. Click any loan to open a full detail drawer with all tabs.

  • Dashboard KPIs auto-update on every change
  • Accrued interest tracked across all loan types
  • Alert badges for active defaults and rate updates
  • Export loans table to Excel or PDF
app.amorta.io — Highrise Developments — Portfolio
Highrise Developments — Portfolio
Construction · dev@highrise.com
Total Loans
5
Total Proceeds
$2,847,500
Total Interest
$631,204
22.2% of principal
Accrued Interest
$3,646
Unpaid — all loans
ID Type Lender Rate Proceeds Payment Total Int.
001 Term First National 6.25% Fixed $950,000 $6,234.18 $219,080
002 Mortgage Sentinel Trust SOFR +3.10% $1,200,000 $8,440.50 $282,440
003 ! Equipment Ironclad Capital 8.25% Fixed $206,550 $3,646.76 $55,966
Journal Entries — Year 2026 · All months · 23 entries
Year Month
📊 Excel 🖨 PDF QBO ↓
Loan Origination — Jan 1, 2026Initial Draw
AccountDebitCredit
DR10000 — Cash
Loan proceeds received
$950,000
CR29001 — Notes Payable (LT)
First National — Construction loan
$950,000
Periodic Payment — Feb 1, 2026Payment
AccountDebitCredit
DR60000 — Interest Expense
Interest component
$4,948.44
DR24001 — Current Portion LTD
Principal reduction
$1,285.74
CR10000 — Cash
Payment made
$6,234.18

Every entry.
Auto-generated.

From origination to final payment — every journal entry is built automatically. Filter by year and month. Export directly to QuickBooks Online in one click.

  • Origination, periodic, year-end reclassification JEs
  • Debt issuance cost amortization (ASC 835)
  • Default, reversal, and cure JEs
  • QBO CSV, Excel, and PDF export

ST / LT.
Always correct.

Automated short-term and long-term classification at every balance sheet date — from booking through maturity. Handles IO periods, balloon loans, and variable rate changes correctly per ASC 470-10-45.

  • Booking-date snapshot included
  • Rolling 12-month window, Dec 31 each year
  • Balloon "due next year" flag
  • IO period note — $0 ST is GAAP-correct, explained
ST / LT — Sentinel Trust Bank · Retail Shopping Centre
ST Acct: 24001  |  LT Acct: 29001
⚠️ Balloon payment of approximately $3,824,507 due at end of month 84.
Balance Sheet Date Total Balance Short-Term Long-Term
📋 2026-01-01 (Booking)$4,000,000$0$4,000,000
Dec 31, 2026 (current year)$4,000,000$0$4,000,000
Dec 31, 2027$4,000,000$31,762$3,968,238
Dec 31, 2028$3,968,238$37,331$3,930,907
Dec 31, 2032 BALLOON NEXT YEAR$3,799,808$3,799,808$0
ASC 470-10-45: principal due within 12 months of each balance sheet date = Current.
Defaults — Ironclad Capital · Equipment Financing
⚠️ 1 active default — ST reclassification frozen for affected periods.
🔴 In Default 55d past due
Edit
Payment Due
2026-02-28
Default Date
2026-03-01
Scheduled Amt
$3,646.76
① Default JE — 2026-02-28
DR 60000 — Interest Expense $1,420.03 / CR 21000 — Accrued Interest Payable
Memo: $2,226.73 principal remains in 24001 (no new entry needed)
Accrued Interest — Detail
2026-02-28 Accrual +$1,420.03 $1,420.03

Defaults tracked.
Nothing missed.

Record a default in seconds. Amorta automatically generates the correct journal entry, calculates accrued interest, and freezes ST/LT reclassification until the default is resolved.

  • GAAP-correct default JE (ASC 310-20)
  • Accrued interest tracked per defaulted period
  • Late fee JEs auto-generated
  • Cure JE generated on resolution

Everything included.
Out of the box.

📊
Amortization Schedules
Fixed and variable-rate. Auto-adjusts on rate changes. Export to Excel.
📒
Journal Entry Automation
Origination, payments, reclassifications, defaults, cures — all generated.
↕️
ST / LT Classification
Per ASC 470-10-45. Handles IO periods and balloon loans correctly.
🔗
QuickBooks Export
Export any date range as a QBO-compatible CSV. Import directly.
💵
Cash Flow Reports
Month-by-month interest, principal, and total outflows across the portfolio.
📈
Variable Rate / SOFR
Rate history tracked. All calculations update automatically on rate changes.
🏦
Line of Credit Ledger
Draw, repayment, accrual tracking. Actual/360 and Actual/365 supported.
⚠️
Default Monitoring
Accrued interest, penalties, JEs, and cure tracking — all automated.
🗂️
Documents & Audit Log
Attach documents per loan. Full change history — who changed what, when.

Every feature.
Every plan.

Price scales with your client count — nothing else. No feature tiers, no hidden limits. 30-day free trial on every plan.

Monthly
Annual 2 months free
Starter
$79/mo
 
👤 3 users
🏢 Up to 15 clients

  • Full amortization schedules
  • Journal entry automation — all types
  • ST / LT classification (ASC 470)
  • QuickBooks Online export
  • Variable rate & SOFR support
  • Line of credit ledger
  • Default monitoring & cure JEs
  • Cash flow reports
  • Document storage & audit log
Scale
$249/mo
 
👤 Unlimited users
🏢 Up to 100 clients

  • Full amortization schedules
  • Journal entry automation — all types
  • ST / LT classification (ASC 470)
  • QuickBooks Online export
  • Variable rate & SOFR support
  • Line of credit ledger
  • Default monitoring & cure JEs
  • Cash flow reports
  • Document storage & audit log

✓ 30-day free trial on all plans. No credit card required. Full access from day one — cancel anytime.

See Amorta in
15 minutes.

We'll walk through your specific loan types live — commercial, SBA, equipment, LOC, or mortgage. No slides. Just the actual app.

Book Your Free Demo →

No sales pressure. 15-minute walkthrough tailored to your portfolio.