Pentiv Cloud

For Canadian mortgage brokerages and origination firms

Your book has deadlines. Pentiv keeps them.

Pentiv Cloud finds the alternative-lender renewals, stalled applications and recruiting follow-ups in your firm's work, checks consent, licences and clocks, and puts each one in front of the right licensed person with the evidence attached.

Book a demoSee how a renewal moves
One renewalStopped, with the reason
  • DeadlineTracked from the lender's dates
  • LicenceAgent checked against the register
  • EvidenceEvery figure tied to its source
  • ConsentNo. The latest implied basis has expired
  • Next stepWaits for a person to resolve it
An illustration of the checks. No client details.

Where a busy firm loses files

A renewal slips

Alternative-lender and private renewals run on hard dates. When those dates live in spreadsheets and inboxes, one busy week can cost the file.

A lead goes quiet

Maturities and stalled applications sit in the book you already earned, with no clear owner and no record of whether you may contact them.

Someone asks why

When a regulator or a client asks who approved something and on what basis, the answer shouldn't depend on someone's memory.

How one renewal moves

The engine keeps the clocks, does the arithmetic and checks the rules. Your licensed people make every decision that matters.

  1. The engine

    Found

    A renewal in your book is picked up with its hard date, before anyone has to remember it.

  2. The engine

    Checked

    Consent, licence and the deadline clock are checked. If one can't be proved, the answer is no, with the reason shown.

  3. The engine

    Prepared

    The options that exist are laid out, and every figure carries its source.

  4. A licensed person

    Decided

    The licensed agent who owns the borrower reads the file and makes the call.

  5. The engine

    Recorded

    Who did what, when and why goes on an append-only trail.

Three kinds of work, one careful way of doing them

Renewals

Every alternative renewal, in front of its owner before the deadline.

B-lender and private-lender renewals are found from the book, ordered by hard deadline rather than commission, and handed to the licensed agent who owns the borrower with the evidence attached.

Recruiting

Who to contact, what came back, and what is booked.

Recruiters work from a list checked against current licence registers. The software prepares; the recruiter stays in command, and split conversations stay with a person.

Origination

A full pipeline from the book you already earned.

Maturities and stalled applications become leads only after a consent check, then go to the agent who owns them to qualify and accept.

What changes for each person

Principal broker
See what is overdue, who holds it and what is stopped, without asking around.
Licensed agent
Open a file with the deadline, the options and the sources already gathered. The advice stays yours.
Compliance officer
Review samples, holds and exceptions, and trace any recorded action to who did it and why.
Recruiter
Work the day's list with its licence checks done, and see every reply and booking in one place.

What this software will not do

  • Advise a borrower. It sets out the options that exist. Recommending one is a licensed person's act, and it has no way to do that for them.
  • Send on its own. Messages wait for a person until that kind of action has earned more autonomy, and a tripped breaker stops them all.
  • Guess when it isn't sure. If a consent, a licence or a source can't be proved, the answer is no, with the reason shown.
  • Forget what happened. Every decision goes on an append-only trail that says who did what, when and why.

Built around the rules Canadian firms answer to

These checks support your compliance program. They don't replace your compliance officer or legal advice.

Starting is deliberately small

  1. See it on a call

    We walk through the workspace and what your team would see, around the work that matters most to you.

  2. Run it in shadow

    First we agree in writing what the run covers, how long it lasts and what would count as useful. It then works from exports of your records and shows what it would flag. It sends nothing.

  3. Give your people roles

    Staff sign in with Google and see only the desks their role allows.

  4. Widen it step by step

    Each kind of action earns more autonomy only when your people agree, and you can stop it at any time.

See it with your firm in mind

Tell us a little about your firm and we'll reply by email to set up a call.

  • A walk through the desks your team would use
  • What a shadow run would need from your systems
  • How pricing would work for your team and workflows

We use these details only to answer this request, and we delete them within a year. Please don't include any client details. Privacy

Questions firms ask first

Does it replace our licensed agents?

No. Licensed people own advice and every decision that matters. The software prepares the work and refuses to make those calls for them.

Does it replace the systems we use now?

No. It works from exports of your records. Exports from one CRM are supported today, so we'll check yours first. We'll go through what yours can provide on the call.

Where do client records live?

On the engine, not on this website. They pass through this site only to reach a signed-in person allowed to see them, and they aren't cached or logged here. How access is protected

Can it contact people on its own?

Not unless your firm decides that kind of action has earned it. Until then, every message waits for a named person, and a tripped breaker stops them all.

Which provinces does it cover?

Licence checks cover FSRA in Ontario and BCFSA in British Columbia today. It isn't available in Quebec, because that province's licensing, privacy and French-language rules aren't built in. If you work elsewhere, tell us on the form.

Already on Pentiv Cloud?

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