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Commercial Unlimited Fee Processing
The commercial system provides a wide variety of COMMERCIAL Unlimited Fee Processing opportunities to enhance your lending organization’s bottom line. Fees can be assessed, tracked, billed, paid, and passed to General Ledger. Also, there are many reporting opportunities for fees, including past due reporting.
The types of COMMERCIAL Unlimited Fee Processing in the system are the following:
- Accrual Fees
- Claw-back Fees
- Fixed Fees
- Miscellaneous Fees
- Prepaid Points
- Prepaid Costs
- Late Fees
- Prepayment Penalty Fees
Accrual fees are fees accrued as the percentage of a commitment amount. Three different amounts can be used to calculate accrual fees: Commitment Amount, Unused Commitment Amount, and Used Commitment Amount. Accrual fees can be taken on one, two, or a combination of all three amounts. For example, accrual fees can be taken on 1/4% of the Used Commitment Amount plus 1/2% of the Unused Commitment Amount.
Claw-back (Advance) Fees
Claw-back Fees, or advance fees, are defined as a fee assessed when the borrowing under a given commitment exceeds a user-defined amount. They are automatically assessed by the system. The user need not worry about entering transactions to initiate assessments or regulate amortization.
The system provides for the following types of fixed fees:
- This type of fee simply provides the user with a way to collect a fee payment from a customer and take it directly into income.
- Cash Basis Fixed Fee
- Cash Basis fixed fees are direct-to-income fixed fees that are billed to the customer. General Ledger processing creates an entry at time of payment to take the payment amount into income.
- Receivable Basis Fixed Fee
- Receivable Basis fixed fees are passed to General Ledger at the time of billing as a receivable and as fee income.
- Amortized Basis Fixed Fee
- Amortized Basis fixed fees are billed up front and taken into income over the course of an accrual period. The accrual process is FASB compliant. Billed amounts are passed to General Ledger as a receivable and an unearned amount.
The commercial system allows the user to establish a virtually unlimited number of one-time, cash basis, fixed-amount fees. These miscellaneous fees may be optionally billed to the customer on a predefined date.
Prepaid Fees (Points) and Costs (Expenses)
Prepaid points and costs may be set up as either a flat fee or an amortized fee. Points and costs are tracked separately. Amortization is done using one of the following methods: points on a pro rata basis, interest on a pro rata basis, or [gs Interest]interest[/gs] on an interest-accrual basis.
The commercial system provides robust Late Fee (Past Due) opportunities for the lender. The Late Fee can be assessed as a flat amount or a percentage of a number of different payment components, or a combination of payment components. Late Charges can be reported on a cash basis or a receivable basis. Provisions are available to interface assessments, payments, and waivers to General Ledger. Late Fees can be automatically waived if a late payment is received within a user-designated grace period.