Promissory notes. From instrument to payoff.
Private notes are a first-class asset class on A8 Core™: compliance-gated origination, instrument generation, e-signature, amortization, collection, delinquency, modification, and payoff — with the note’s life recorded end to end.
Note structures
Real private-credit books are not all 30-year fixed.
Fixed & variable
Fixed-rate and index-linked variable structures with rate-change records.
Balloon & interest-only
Balloon maturities and IO periods with schedule transitions.
Irregular
Irregular payment calendars for seasonal and negotiated schedules.
Revolving
Lines with draws, paydowns, and availability tracking.
Origination, gated
A note does not exist on A8 Core™ until its gates pass.
Compliance gate
Party checks, account-type rules, and — for retirement money — SDIRA transaction controls.
State lending & usury review
Rate and structure flagged for review against the applicable state’s lending and usury regime before issuance — a workflow control, not legal advice.
Instrument & e-signature
The note instrument generated from approved terms and executed electronically with evidence.
Boarding
Executed terms become the servicing record — no re-keying between legal and servicing.
The servicing engine
Day-to-day servicing lives in loan servicing; the note product carries the instrument, terms, and lifecycle.
Day-count conventions
30/360, actual/365, actual/360 — the convention is part of the record.
Amortization
Schedules generated, regenerated on modification, and retained as versions.
Modifications
Rate, term, and payment modifications with amendment records.
Payoffs
Payoff quotes with per-diem accuracy, good-through dates, and release workflow.
Turn private notes into a servicable book.
See origination gates, instrument generation, and the servicing engine in one session.