Loan Accounting & Master Servicing System
Complete loan accounting system combining cashiering, data entry, accounting, and investor reporting functions into one platform.
SBO.NET® validates that each sub-servicer is servicing your loans correctly including payment applications, arm adjustments, and loan modifications, while verifying remittance amounts are correct based on underlying loan activity and servicing agreements.
SBO.NET automates all accounting functions including generation of loan level journal entries, daily accruals and reserves, sub-ledger for balance sheet accounts, comprehensive interest analysis module, and amortization of purchase premiums / discounts and MSRs. The system validates and reconciles daily and monthly servicer cash collections and remittances, helping find money that otherwise would be lost. Additionally, the system maintains, controls and stores accurate data for analysis and down-stream reporting. SBO has wide industry adoption with over 100 sub-servicers' data being consumed and reconciled in the system.
Why Choose SBO.NET


Improve Operational Efficiency
Exception-based processing segments good loans from those that have issues, helping your team focus their efforts.
Protect Your Data
Industrial strength controls and validation prevents invalid or inaccurate data from getting into your data base.
Generate Additional Cash
The system’s reconciliation module identifies variances between what should be remitted and what is remitted, helping identify servicer mistakes which can generate additional cash.
Pursue New Business Opportunities
SBO.NET is constantly being upgraded to provide flexibility and functionality that can support most new business opportunities that our clients bring to our attention.
Improve Operational Efficiency
Protect Your Data
Generate Additional Cash
Pursue New Business Opportunities
Exception-based processing segments good loans from those that have issues, helping your team focus their efforts.
Industrial strength controls and validation prevents invalid or inaccurate data from getting into your data base.
The system’s reconciliation module identifies variances between what should be remitted and what is remitted, helping identify servicer mistakes which can generate additional cash.
SBO.NET is constantly being upgraded to provide flexibility and functionality that can support most new business opportunities that our clients bring to our attention.
Key Features
Comprehensive Management
Sub-ledger for all loan balances and custodial accounts plus reconciliation and validation of sub-servicer data and complete investor reporting and investor accounting capabilities.
Robust Automation
Automates servicer data loading, loan setup, sales, and calculations of all ARM adjustments, journal entries, accruals, investor and management reports with integration to down-stream systems and general ledger.
Enterprise Grade
Utilizes .NET Framework technologies for stability and security.