Raise and operate private debt vehicles, from investor onboarding to interest distributions.
Private credit funds face operational complexity that generic fund administration platforms struggle to handle. Every loan in the portfolio carries its own interest structure, with day-count conventions, compounding rules, and amortization schedules that need to be calculated independently and then aggregated at the fund level for NAV and LP reporting.
Then there is the cash flow complexity: principal repayments, interest payments, prepayments, and amendment fees all flow into the fund on different schedules. The fund manager needs to calculate distributions to LPs based on the aggregate cash flow and settle across currencies and jurisdictions — while maintaining a complete audit trail that satisfies both LPs and regulators.
Purpose-built modules for fund-level operations.
How PoliBit automates each stage of the private debt fund lifecycle.
Expand the section to understand how the platform addresses the specific challenges of credit fund operations.
PoliBit calculates interest with configurable parameters. Each debt structure uses its agreed rate, its default rate, and its day-count convention (30/360, Actual/360, and Actual/365).
PoliBit implemented individual property tokenization using a commercial loan structure, allowing the developer to advance complete project cash flow as if 100% of the property had been sold.
“The automated capital raising process saved us significant time — no delays in due diligence or contract signing. We're managing 60+ investors seamlessly while saving thousands in transfer costs every quarter.”
Private debt management software is a specialized platform that automates the operations of private credit and direct lending funds. It covers the lifecycle of a debt vehicle, from investor onboarding to interest distributions, including automated interest calculations, payment processing, and LP reporting. PoliBit's platform replaces fragmented spreadsheets with a unified system that handles multi-currency operations across jurisdictions.
The platform automates investor onboarding and KYC/AML, capital calls, interest calculations, periodic interest distributions, and maturity projections by investor cohort. Each debt structure has a configurable rate, default rate, and day count. Investors get a portal with their own statements and ILPA reports, and payments can be made by stablecoin, card, or bank transfer. Upload any report or tax document for each investor, and export tax-ready data straight into your accounting and tax systems.
The NAV lending market grew 30% annually from 2019-2023, reaching $150 billion in outstanding loans. With subscription line supply/demand imbalanced after 2023 banking disruptions, fund managers need new liquidity strategies.
More than $1 trillion in commercial real estate loans mature in 2025, with $1.5 trillion maturing between 2024-2026. As debt funds hold 13% market share—up from 9% pre-2019—and deliver +7.4% average annual returns, operational excellence in refinancing, underwriting, and portfolio monitoring determines survival.
Robotic process automation now handles daily—even intraday—NAV calculations and reconciliations, with early adopters reclaiming days from quarter-end close cycles. As LPs demand real-time transparency, distribution automation has shifted from cost-saving measure to competitive necessity.
70% of GPs cite LP reporting as their top operational challenge. With ILPA releasing updated Reporting Templates in January 2025 and 37% of LPs now requiring weekly NAV updates, the reporting burden has never been higher, making automation essential for competitive fund operations.
See how private credit managers are automating fund operations with PoliBit.
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