Your Excel loan workbook, manual revenue lookups, and copy-paste billing emails — all replaced by one automated pipeline.
The Current Reality
Revenue-based lending means every borrower's payment is different every month. Here's the manual process most lenders follow — and what LUCIA automates.
Manual Process
1. Get notified borrower submitted revenue
2. Log into portfolio tracker, copy revenue figure
3. Paste into Excel workbook row
4. Excel calculates: revenue × 6.5%
5. Allocate: royalty → interest → principal
6. If shortfall, add to balance manually
7. Copy breakdown into email template
8. Send to borrower
~30 min per borrower
With LUCIA
1. Borrower submits revenue through portal
2. LUCIA calculates payment automatically
3. Statement generated as PDF
4. Statement emailed to borrower
5. Loan balance updated in real time
0 min hands-free
Payment Engine
Features
Revenue × rate% → automatic royalty, interest, and principal split. Shortfall handling built in — difference accrues to principal.
Professional PDF statements generated automatically. Emailed to borrowers on schedule. Full delivery tracking (sent, opened, viewed).
See all active loans at a glance: balances, next payments, delinquencies. Monthly collection chart with royalty/interest/principal breakdown.
Every payment calculation recorded with inputs, outputs, and timestamp. Every balance change traced. Full history for compliance review.
Based on current revenue trends, LUCIA projects when each loan pays off. Maturity warnings when projections exceed term.
Borrower submits revenue → payment auto-calculated → statement generated → emailed. Zero manual steps. The full pipeline runs on autopilot.
See the payment calculator work live — enter a revenue number and watch the full royalty/interest/principal split happen automatically.