PheenX is a complete loan management and servicing platform built by people who've lived in legacy systems long enough to know exactly what's missing.
Daily interest accrual across four day count conventions. Configurable payment waterfalls. Fees booked up front or assessed when due. Every figure reconciled at period end and explainable with your numbers.
Level payment, constant principal, interest-only, single payment, or scheduled principal with actual interest. Variable rates with floors, ceilings, and resets on your schedule. Delinquency and late-fee policies that reflect your program, not a template.
Each licensee in its own database. Portfolios segmented by organization. Role-based permissions with per-user overrides and a complete audit trail. Built for the access-control expectations of regulated lenders.
PheenX wasn't designed in a vacuum. It was built by practitioners who've lived inside the industry's shortcomings and know exactly which ones a servicing platform should fix.
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