Loan servicing software that stays correct to the cent.
Pixcel is the loan servicing platform for non-bank lenders: billing, repayment allocation, interest accrual, charges, reversals and the audit trail, on one ledger.
Every balance is rebuilt from a time-ordered event history, never overwritten. So when a rate changes, a repayment is reversed or your auditor asks why, the answer is already there.
Everything after approval, handled.
Pixcel takes over once a loan is approved: setting up the loan account, disbursal, and everything after it. Your origination system and credit decisioning stay where they are.
Billing and schedules
Principal and interest schedules recalculate deterministically when a loan changes: rate, term, redraw or hardship arrangement. Every past period stays explainable.
Repayment allocation
Repayments are matched across bills, charges and balances in a configured application order, as they happen, not in an overnight batch.
Interest accrual
Interest accrues from the recorded event history, so every accrual can be recalculated and explained, not just reported.
Charges from events
Late fees and product fees are created from loan activity by configured charge rules, not hardcoded per product.
Guarded reversals
A repayment reversed a month late, with more posted on top, recalculates safely. No unwinding interest and fees by hand.
Payments, your way
Native support for direct debit, real-time NPP and PayID, PayTo and Confirmation of Payee, or run payments yourself with the same ledger and audit trail.
Built to pass your risk and security review
A dedicated AWS environment and database for every lender, managed by Pixcel in your country’s AWS region. Never shared.
Every action is attributable to a person or the servicing engine, and exportable on demand.
Role-based permissions scoped to the data each user may see. If a check can’t decide, access is denied.
API-first: your systems can do everything your team can, with the same validation and audit trail.
New products and charges are configured without breaking loans already on your book.
Quarterly releases land in your Sandbox first, and roll out only once you’re ready.
Common questions
Loan servicing software manages a loan after it is approved: billing, collecting and allocating repayments, accruing interest, applying fees, handling changes and reversals, and keeping the records a lender needs for customers, funders and auditors. Pixcel does all of this on one auditable ledger.
Pixcel covers what most lenders mean by a loan management system once a loan is live: the loan account, schedules, repayments, charges, customer relationship records and reporting. It is not a loan origination system; applications and credit decisioning stay in your existing platform and connect through the API.
Pixcel is built for lenders running servicing at scale, starting in Australia and New Zealand: mortgage lenders, invoice finance and factoring lenders, fintech lenders, and third-party servicing providers.
Balances are never overwritten. Every bill, charge and repayment is recorded as a time-ordered event, and balances are derived from that history with deterministic calculations. The same inputs always produce the same result, and every figure traces back to the events behind it.
We start with a walkthrough of how your loans are billed, reconciled and reported today. Your environment and Sandbox are provisioned so your team can try things safely, and we plan the move of your loan book with you, including how and when to cut over.
See your servicing on Pixcel
Walk us through how your loan book is serviced today and we’ll show you how Pixcel handles it on the real product.