Municipal Loan Servicing Software Built for Government Accountability and Public Transparency
Manage public loan portfolios with a complete audit trail on every payment, notice, and modification.
Manage public loan portfolios with a complete audit trail on every payment, notice, and modification.
Rated 4.5 on Capterra. Audit-ready loan records, prorated payment calculations, and transparent stakeholder reporting in a centralized platform.
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Every scheduled or unscheduled payment allocates automatically across principal, interest, and late fees using Bryt's configurable waterfall rules.
Bryt auto-sends payment reminders, late notices, and periodic statements to residents based on loan triggers. Customize the notice template language to match your municipality's communication standards.
Generate Payment Registers, consolidated payment reports, and custom loan performance summaries for council reviews and state audits, without a separate reporting tool.
Configure 30/360, Actual/360, Actual/365, or 30/365 interest accrual per loan program. Different public lending programs can each carry their own calculation method.
Mark NSF events, issue chargeback notices, and log the full resolution workflow to the loan record. Every NSF interaction is documented and date-stamped for audit purposes.
Municipal loan start dates rarely align with scheduled payment cycles. Bryt automatically calculates prorated first-period payments, keeping resident accounts accurate from the first statement.
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Bryt prioritizes your data's integrity through advanced features like Azure Point-In-Time Restore, enabling us to revert a database to a previous state within 35 days. Redundancy is ingrained in our approach as all databases reside in Azure's US data center, reinforcing data security and availability.
Should an administrator inadvertently affect customer data, Azure's point-in-time restore capabilities become our safeguard. Bryt restores data to a known, error-free state, ensuring minimal disruptions.
Bryt upholds data recovery by regularly restoring cloud-hosted databases to local machines. Rigorous testing using a local copy of the Bryt Application assures data integrity.
Bryt Software's application resides within the Azure DevOps system. Our incremental code changes and development branches are meticulously stored. Updates undergo rigorous testing on staging servers before deployment to the production server, ensuring uninterrupted application functionality.
Simplify debt tracking and transparency in the entire loan lifecycle with Bryt
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Closing dates and payment frequencies don't always align perfectly. Bryt Software calculates and manages prorated payments with ease, ensuring accuracy and minimizing confusion.
Bryt’s payoff calculator simplifies the process of determining borrower obligations for a selected payoff date. Itemized breakdowns help both lenders and borrowers understand the financial landscape better.
Managing overpaid amounts or holding funds for future payments is super easy with our “Hold Account” functionality. It's like an interest reserve tailored to your needs.
Navigating complex tasks has never been easier. Bryt Software's Process Wizards simplify intricate functions by providing step-by-step guidance. Whether it's creating a loan or recording payments, these user-friendly interfaces ensure accuracy and efficiency.
Bryt’s GUIDE ME Tours is a unique feature designed to assist users in implementing new features seamlessly. Whether you're a novice or a seasoned user, the interactive walk-throughs offer hands-on guidance, enabling you to harness the full potential of Bryt Software's capabilities.
Managing funding is no longer a challenge with Draws, our integrated funding control feature. Unlike conventional systems, Bryt Software's innovative approach ensures interest is calculated only on the disbursed amount. This powerful tool lets you segment and track funding for borrower projects, mitigate risks, and ensure projects are completed within timelines.
“My experience has been great! There was no pressure from a sales team, the development folks were willing to tweak and customize the software for our needs and everything is running smooth! Most importantly, I feel like my questions and concerns were heard timely and solutions rendered in real time....I feel like the team at Bryt is an extension of my team.”
Nathan T.
“We have used BRYT for almost 2 years now. BRYT has been extremely valuable for our company. It has been an essential piece that has helped us be more efficient and scale our operation, while also delivering great value to our customers. They are helpful, easy to work with, and very responsive. BRYT continues to make great changes and we know there are even greater things ahead - we highly recommend the BRYT platform and the team behind it!”
Mike Z.
“I've been using this software for about 2 years and all of its features have allowed me to cut Loan Servicing and Document Processing portion of my job time in half. Actually more then half.”
Marsha P.
Seamless Implementation and Azure's Resilience Boosting ROI 5X
Schedule a Demo Municipal loan servicing software manages the post-origination lifecycle of loans issued by government entities: cities, counties, housing authorities, and special districts to residents, local businesses, or community organizations. It handles payment allocation, audit-trail logging, prorated calculations, NSF management, payoff quotes, and stakeholder reporting. Bryt is built for government lenders managing public loan portfolios of 50 to 5,000 loans.
Every payment allocation, borrower notice, loan modification, and NSF event is logged to the loan record in Bryt with a date and time stamp. Records are stored in the cloud on Microsoft Azure and can be pulled into reports for council reviews, state audits, or public records requests at any time.
Bryt calculates prorated first-period payments automatically at loan creation. When a municipal loan starts mid-cycle between scheduled payment dates, the prorated amount is automatically calculated and posted, keeping the resident’s account accurate from the first statement.
Yes. Bryt’s payoff calculator generates an exact, itemized payoff quote for any selected date, breaking down outstanding principal, accrued interest, fees, and per diem. The output is suitable for resident-facing communications and public records requests.
Bryt allows you to mark an NSF event on any payment, trigger an automated NSF notice to the resident, and log the full chargeback and resolution workflow to the loan record. Every NSF interaction is date-stamped and stored for audit purposes.
Bryt generates Payment Registers, Consolidated Payment reports by day or period, and custom loan performance summaries using the report writer. Reports can be filtered by loan program, borrower, payment status, or any custom field, and exported without a separate reporting tool.
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