Hypercore Inc

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Hypercore is a loan management platform that helps users track loans, manage clients and investors, automate workflows, and generate reports. With a consistent interface and structured navigation, it streamlines portfolio management and internal processes while providing tools for financial analysis and collaboration.

Hypercore's various modules and features are navigated via our sidebar on the left-side of the screen. Hovering over an icon presents the module and possible sub-entities.

Here is a quick overview of the various modules and features of Hypercore:

 – Manage loans from application to redemption.

 – Track investment sources and fund allocations across portfolios.

 – Track equity investments and distributions.

 – Reports can be customized to your needs.

 – Collect and manage borrower data and applications.

 – Create processes like approvals and compliance checks.

 (Mac) to search for various loans, borrowers, and other items

Hypercore follows a consistent two-section layout:

 – Displays key details, often split into top and bottom sections. For example, on a loan page, the loan schedule appears here.

 – Provides deeper insights, such as additional information, terms, notes, and documents.

In Hypercore, every item, whether a loan, funder, borrower, etc. receives an internal ID # (see screenshot as an example). 

The Hypercore URL to get to this item will include the ID # - for example https://app.hypercore.ai/loans/

The ID is a great way in communicating internally and with Hypercore personnel for quicker handling of any requests/issues.

If you are new to Hypercore or need a quick refresher, we recommend viewing these articles to get started:

Hypercore Basics - Introduction

 Interest refers to the cost of borrowing money, calculated on the outstanding principal balance. In Hypercore, this specifically refers to regular cash interest that is usually paid periodically.

 Cash Interest, Simple Interest, Serviced Interest

 Calculated on principal balance, may also apply to outstanding compounding balance

Interest that, instead of being paid in cash, is added to the loan balance and begins accruing interest itself.

 Payment in Kind (PIK), Capitalized Interest, Rollover Interest

 Increases loan balance over time, stored separately in Hypercore's Outstanding Compounding Interest Balance

Describes how interest rates are determined throughout the loan term. Flat rates remain constant, while floating rates vary based on market indices.

 Floating rates consist of Base Rate (market index) plus Margin (lender's premium)

 Two distinct dates that track when financial events occur and when they impact calculations.

 When an event impacts interest calculations and reporting

 When the event actually occurred in real-world terms

 A portion of the loan amount set aside specifically to cover future interest payments.

 Retained Interest, Interest Reserve, Advanced Interest

 Automatically covers interest payments until depleted

 The process of releasing loan funds to the borrower, marking the beginning of interest accrual.

 Can be single or multiple, may include retained amounts for fees or interest reserves

Methods of calculating the true cost of borrowing and loan discounts.

 Effective Interest Rate - reflects total borrowing cost including fees and interest

8. Advanced Payment vs. Payment in Arrears

 Timing options for loan payments relative to the period they cover.

 Additional charges that may apply to the loan.

 Charges for non-compliance or late payments

 Standard service charges for loan administration

 Often have different repayment priorities

Definition: The process of fully repaying a loan before its scheduled maturity date.

 Includes calculation of all outstanding amounts

. If the payout is only partial, please use the repayment action.

 The process of removing unpaid loan balances from financial records.

 Affects financial reporting and loan portfolio management

 The formal process of forgiving certain loan amounts or requirements.

 Can apply to principal, interest, fees, or penalties

 May be manual or automated based on conditions

13. Equal Installments vs. Equal Principal

 Different approaches to structuring loan repayments.

 Fixed total payment amount with varying principal/interest split

 Fixed principal amount with decreasing total payments

 The timing intervals for various loan events and calculations.

 Applies to payments, interest calculations, and fee assessments

 A deposit in Hypercore refers to funds charged to the borrower and held upfront, often at disbursement. These are not part of the disbursed loan amount but are retained to cover future obligations or risks.

 Reserve (Interest Reserve), Retentions, Security Deposit

 Commonly used for holding back funds to cover future repayments, mainly interest

Terms Glossary

When entering Hypercore’s platform, you will see an icon with your initials on the bottom of the sidebar.

When clicking on this icon, you will see user and team settings regarding security and privacy.

 tab. On the top right, you will see a button labeled "Invite User"

Then, you will have to enter the user’s:

Once you've filled in all of the above, you can go ahead and click the blue Invite button.

The system includes different user roles with varying levels of access:

 - Full access to all system features. Can manage all user roles, including assigning and removing permissions. This is the highest-level role.

 - Has full access and edit permissions in the system, but cannot add or manage users directly.

 - Has the same permissions as a Loan Officer but without approval permissions.

 - Can view system data but cannot perform any actions.

Users can define the roles of other users that are at the same level or below their own role level. They can also edit the roles of other users within their permission scope.

To edit a user's role, go to user settings → users, choose the relevant user and update the role.

If you have forgotten your password, follow these steps to reset it:

Enter your registered email address when prompted.

Check your email inbox for a password reset link and follow the instructions to create a new password.

For security reasons, if you enter the wrong password multiple times, your account may be temporarily locked. If this happens, please contact our customer support team for assistance:

Hypercore uses Multi-Factor Authentication (MFA) to protect your account. MFA provides additional security beyond just passwords.

MFA options include SMS, Authenticator Apps, or Built-in Authenticator (biometrics)

Configure MFA settings in your account security section

If you need help with MFA or need to reset it due to a lost device, please contact 

. Our team will verify your identity and help restore access.

Users Management


How do I add a new user to my Hypercore account?

You can add a new user via the user management and profile settings on the bottom left corner (by default you will see your initial in a circle). Please note that only authorized users may invite new users. All users added can only be within the same permission role (or below) of the user who invited them.

Does Hypercore offer keyboard shortcuts for faster navigation and data entry?

Yes! You can use ctrl+k (Windows) or cmd+k (Mac) from anywhere in the system to open the global search box. Simply enter a search for entities such as loans, equities, and clients. You can search either by their name or id#.

How can I create and manage user roles with specific permissions?

Hypercore provides several default user roles that you can assign your users. To enquire about additional user permission roles, please contact your Customer Success Manager.

Can I change terminology in Hypercore to match my company’s terms?

Hypercore supports the changing of some words/text appearing on the platform. If you would like to translate specific terms, please contact your Customer Success Manager to set up.

Does Hypercore support tablets or mobile devices like Android phones?

Hypercore is optimized for desktop use (PC and Mac), and we recommend accessing the platform via 

 for the best experience. While some features may work on tablets or mobile devices, full support is not guaranteed at this time. That said, we're continuously working toward broader compatibility and appreciate any feedback that helps us improve accessibility across all devices.

For a more in depth walkthrough, please view our guide on 

You can create a new loan from the Loan Portfolio Page (the most common method), the Client Page, or through Workflows—all of which link the loan to a client. From there you will enter the loan creation page which will require you to enter basic loan details, principal and interest terms, fees/deposits, and more.

How do I adjust loan terms and extensions?    

Loan terms may be modified or added as much as you would like. In the terms tab, you can decide whether to modify the existing terms (with the pencil icon) or add new ones (with the + icon). Term changes can include repayment frequencies, interest rates, maturity date, and much more.

How do I manage revolving lines of credit?

I see that Hypercore's calculations are different from mine. What can I do?

If Hypercore’s loan calculations differ from yours, it’s usually due to a mismatch in settings. Start by reviewing the interest frequency, compounding method, day count convention (360 vs. 365), and amortization type. Differences in rounding, effective dates, or repayment strategy can also impact results.
 

If you’re comparing against a spreadsheet, be sure to check for common issues on your end as well:

    We recommend reviewing your loan terms in Hypercore and using the expanded schedule view to inspect daily calculations. For step-by-step guidance, check out our 

 How does Hypercore handle compounding vs. non-capitalized interest?

In Hypercore, principal and compounding interest are treated as separate components, but accrued interest is calculated on the combined outstanding balance of both. You can configure this behavior in the loan’s interest settings.
Interest will not accrue on the outstanding simple (non-capitalized) interest.

 
What are the supported interest rate types (e.g., TERM SOFR 30D)?

Hypercore allows you to set up various indexes and floating rates that change over time. Through API connection, Hypercore is able to provide updates on rates provided by 

. In other cases we can explore whether we can automatically pull the rates or require manual updating of the rates. Please contact your Customer Success Manager to further explore this support.

How do I manage early repayments or close a loan early?

Hypercore lets you record transactions like repayments, even if they don't align with the expected schedule. For partial early repayments, you can enter the 

 screen and input the amounts paid in advance. If the loan has been fully repaid ahead of schedule, use the “

How does Hypercore calculate overdue payments?

In Hypercore, a payment is considered overdue when an expected repayment hasn't been fully made by its due date. The system highlights the overdue status and provides a detailed breakdown of the unpaid amount—such as outstanding principal, interest, fees, or other components. If any principal or compounding interest remains unpaid, Hypercore will continue to accrue additional interest and charges on those balances, which may result in higher-than-expected totals over time.

How are prepayment penalties calculated if a borrower pays off the loan early?

In case you need to charge penalties/fees for early repayments, you can set those up to charge your borrower upon these payments. On the fee setup you can select charge/payment timing to be upon repayments, principal repayments, and/or early redemption.

What are the different statuses in the loan portfolio?

 – When a loan application is first created, it enters a Pending status until a decision is made to approve or reject it.

 – Once approved, the loan moves to this status and remains here until it is activated. Note: no changes can be made while a loan is in Approved status.

 – The loan becomes Active when it starts. Typically, this happens upon disbursement, but in some cases, a loan can be activated before disbursement (e.g., for setting up fees or accruals), which will show as 

 – A loan is marked as Closed once it has matured or has been fully repaid, written off, or otherwise closed according to your workflow.

 – Loans that were not approved remain in this status for tracking purposes.


Note: For best practices around analytics and historical tracking, we strongly recommend not deleting loans—even after they’ve been closed or rejected.

Hypercore recommends closing, not deleting, inactive loans. This keeps all loan information archived and searchable for future reference, even for matured or rejected loans. Closing avoids accidental data loss while maintaining a clean data environment.

How can I configure dashboards and reports to monitor loan performance?

 with ready-made dashboards that can be implemented quickly and free of charge. These dashboards offer key insights into loan and portfolio performance using charts, graphs, tables, and filters.

If you need a custom dashboard or report, or want to modify an existing one - please contact your Customer Success Manager. Customization and creation are handled by our BI team and require a 

, depending on your contract. Your Customer Success Manager can help explore the best option for your needs.


How do I schedule automatic report generation and delivery?

Hypercore supports scheduled email delivery of dashboards whether daily, weekly, or monthly - based on your preferences. To set up these automated report subscriptions, please contact your Customer Success Manager, who will help configure the schedule according to your needs.

 Can I export loan data for external analysis?

Yes, Hypercore allows you to export a wide range of data, including amortization schedules, data tables, and reports. Schedules and data tables can be exported in 

 format, while reports support export in 

 formats - making it easy to analyze data externally using your preferred tools.

  How do I import existing loan data into Hypercore?

Hypercore supports importing a wide range of data types, including loans, terms, transactions, data tables, funding sources, and more. You can import data by either uploading a 

 file or using the built-in copy/paste functionality available in the platform.
A detailed step-by-step guide is available in our Knowledge Base to help you through the process. 

    Is there a way to recover deleted loan data?

In rare cases, partial recovery may be possible through a manual process by our R&D team, but this involves significant effort and may incur additional costs. Please contact your Customer Success Manager to assess your specific situation.

In most cases, deleted data in Hypercore cannot be recovered, as it is permanently removed from our database. We strongly recommend implementing strict user permissions and data management practices to prevent accidental deletions.

Should I add additional data to Data Tables or Additional Information tabs?

 tab is ideal for storing simple, static data—information that has a single value and doesn’t change over time. Examples include a borrower’s address, a contact person’s name, or a tax ID. These fields are best used for reference data that stays consistent and doesn’t require historical tracking or multiple entries.
 

, on the other hand, are designed for more complex or dynamic information. Use them when you need to capture data that:

In short: use the Additional Information tab for 

How to add a fee to a specific disbursement?

To add a fee to a specific disbursement, follow these steps:

Navigate to the loan fee tab in the loan page
 

Click the plus icon in the top right corner of the table to create a new fee
 

In the payment section, select either "on first disbursement" or "on every disbursement"
 

 In the charge section, define the specific period when you want the fee to apply
 

Note: Use the charge section to specify a date range if you want the fee to apply only during certain periods.

How to create loan fees that won't be allocated to funding entity?

To create loan fees that won't be allocated to funding sources:

Go to the loan fee tab in the loan page
 

 Click the plus icon to create a new fee, or click the three dots menu next to an existing fee to edit it
 

 In the fee set-up screen, locate the funding source section
 

 Turn off the toggle for "Allocate to funding sources"

This will ensure the fee is created without being allocated to any funding sources.

To access the Import Transactions feature in Hypercore:

Here are the recommended methods to import transactions in Hypercore:

Use the built-in template table:
 • When entering the Import Transactions page, you'll see a formatted table
 • Copy and paste your transaction data directly into the matching columns
 • Review and validate the data
 


      1. Upload your .csv file
      2. Define the header row
      3. Map columns to platform fields (Loan ID, Date, Type, Amount)
      4. Review and validate the data
B. 


     1. Click directly on the table
     2. Enter transaction details one by one
     3. Useful for small batches of transactions

For detailed instructions and best practices, please refer to the 

What do I do if a loan redeems late with no official extension? Should I just extend the loan in Hypercore and then redeem?

No, you do not need to extend the loan first. Hypercore will continue to calculate the loan schedule and interest as long as the loan remains open in the platform. You can record the redemption directly.

However, if there has been a change in loan terms or a loan agreement amendment, it is recommended to:

 First extend the loan by updating the terms

To set up advance repayment, follow these steps:

 Navigate to the advance repayment section
 

How do I view who made an action on the system?

You can view all user actions in the Historical Activity log. This log organizes actions by entity type (such as loans, equity, fees, etc.) and can be accessed at 

. The log provides an audit trail of all changes and actions made within the system.



Why aren't the loan fees repayments reflected correctly in the funding entity schedule?

If loan fee repayments are not reflecting correctly in the funding entity schedule, check these key points:

 For fees deducted from disbursement, ensure proper transaction records:
  

If the issue persists after confirming these points, please contact our support team for further assistance.

Getting Started

Hypercore Basics - Introduction

Terms Glossary

Users Management

FAQ