Viva Land Group Case Study

From Spreadsheets to Scalable Loan Servicing: How Viva Land Group Reduced Month-End Close from Days to Hours

Facing operational constraints with hundreds of active loans, Viva Land Group centralizes data and automates processes with FUNDINGO.

See FUNDINGO in Action

Disconnected Spreadsheets
& Manual Processes

→

Centralized Loan
Servicing Platform

2-3

Days to same-day

Month-end close time dramatically reduced

100+

Manual entries eliminated

Consolidated into one streamlined entry

Additional staff needed

Portfolio scales without headcount expansion

The Bottleneck of Manual Processing

Viva Land Group faced significant operational constraints managing loan servicing across dozens of disconnected spreadsheets. Their accounting and operations teams struggled with manual payment processing, borrower notices, and reconciliations that introduced substantial risk of human error.

The fragmented workflow resulted in month-end close cycles consuming two to three full business days, creating bottlenecks that prevented the team from focusing on strategic growth initiatives and portfolio expansion.

Transforming Operations with Centralized Servicing

Before FUNDINGO	After FUNDINGO
✕Spreadsheet-driven servicing across disconnected files ✕Manual reconciliations with high error potential ✕Multi-day month-end close consuming critical resources ✕Headcount-dependent scaling limiting portfolio growth	✓Centralized loan servicing platform with unified data ✓Automated principal and interest allocation with precision ✓Same-day month-end reporting with real-time accuracy ✓Scalable operations infrastructure without new hires

Key Operational Impacts

Error Reduction

Significant decrease in human error through automated workflows and validation rules.

Processing Speed

Faster daily processing of deposits, payments, and borrower notices.

Portfolio Visibility

Enhanced oversight across loans, borrowers, and payment performance.

Service Efficiency

Reduced inbound servicing requests through borrower portal access.

It's hard to look back and think that we ever did it any other way.

Advice to other lenders: "If you're considering FUNDINGO, do it sooner rather than later."

— Viva Land Group