What's Included
Your sandbox is a fully functional RepayFlow environment. Everything the production system can do, you can test.
Full Calculation Engine
✓ Standard amortizing, IO with balloon, curtailments, multi-frequency payments.
✓ Every day count convention. Every payoff scenario.
Payment Waterfall & Lifecycle
✓ Add payments, track arrears and late fees, modify rates and terms mid-loan.
✓ Draft → Active → Late → Closed — the full state machine.
Kanban Pipeline & Admin UI
✓ Origination pipeline, loan detail view, borrower management, audit trail.
✓ Everything you'd use in production.
Document Vault & Generation
✓ Attach notes, title commitments, insurance — organized by category, audit-tracked.
✓ Generate Term Sheets, Payoff Letters, Loan Statements, and Receipts as PDF.
How It Works
Three steps from request to running.
1. Request
Fill out the form. We review and set up your environment.
2. Access
Get your subdomain and credentials within 24 hours.
3. Explore
Create loans, run scenarios, test the full lifecycle. 30 days free.
Try These Scenarios
Walk through real lending situations in your sandbox — every one of these works out of the box.
Create a 12-month IO loan with 2 points and a balloon
Interest-Only • Most common hard money structureAdd a missed payment and watch the waterfall handle arrears
Late Fees • Grace period + auto-escalationGenerate a payoff quote mid-month with prorated interest
Payoff • Penalties, exit fees, arrears — all calculatedChange the rate at month 6 and extend the term by 3 months
Modifications • PMT auto-recalculatesUpload a promissory note and attach it to the loan file
Document Vault • 13 categories, audit-trackedGenerate a Term Sheet PDF and send it to your borrower
Document Generation • One-click professional documentsSet up a construction loan with draws and watch IO payments adjust
Construction Draws • Holdback, draws, auto-adjusted balanceWhy This Matters
Spreadsheets can model the math, but they can't enforce a payment waterfall, log who changed a number, or generate a payoff quote a borrower can't dispute. That's the gap RepayFlow fills.
Loan Servicing Consultant Private Lending OperationsCommon Questions
Is the sandbox really free?
Yes. No credit card, no commitment. 30 days of full access. If you want to continue after that, we'll talk pricing.
Can I use real loan data?
You can. The sandbox is fully isolated — your own subdomain, your own data. Nothing is shared or visible to anyone else.
How long does setup take?
We'll have your environment ready within 24 hours of reviewing your request. Usually same day.