For dealer software platforms
Your dealers finance their own car sales. Amortance recalculates balances, schedules and refunds after deferrals, cancellations and insurance settlements, using the dates in each contract.
Available now: a paid calculation review. 20–50 plans · $1,500 fixed for the first three platforms 10 business days once the agreed inputs are ready
For disputed payoff amounts, manual corrections after deferrals or refunds, and changes to your dealer-finance calculations.
The embeddable engine is in development. The review stands on its own.
A customer's plan · August: a cancelled service contract
A dealer finances the car purchase. Cancelling a service contract credits $1,245.84 to the customer's plan.
2029-08-24
Final payment date
2029-04-06
Final payment date
This contract applies the late refund from the cancellation date. Earlier interest is recalculated; payments stay at $235.35 every two weeks and finish sooner.
Inspect the full calculation →Synthetic plan: $15,398.69 financed on a car, 91 payments every two weeks from January 2026. Further down the page, the same plan in October and in July.
The same plan · October: a total loss
The customer, your ledger and the contract each name a different amount. Support needs an answer they can explain.
In October the same car is written off. The insurer pays $9,850.00 on 24 October, 22 days after the loss. The customer expects their GAP waiver to clear the balance.
This waiver measures the shortfall on the date of loss. The excluded $25.00 deferral fee and $145.46 of interest from the 22-day wait remain payable. Using the payment date would waive that interest too.
The review checks which date the platform uses and gives support the rule behind the remaining balance. Scope and fee →
Available now · paid calculation review
Launch terms
$1,500
Fixed, for the first three platforms
Bring disputed plans or recurring manual corrections. See where your figures follow the contract and what needs correcting.
Scope
One contract type, usually your platform's default terms, and an agreed set of changes to check.
Your input
One export: orders, terms, payments, changes and current results, with non-identifying plan IDs. No integration work.
Delivery
10 business days from the agreed start date, once the export and contract rules are complete.
Launch terms. In return for this rate, I ask for a 30-minute feedback call after delivery to shape the engine. Later reviews are quoted per scope. We confirm your fee and start date in writing before you book.
Use the findings to fix your current engine and add test cases. The review stands on its own.
Reviewed by Evgenii Agafonov, founder of Amortance. I have worked in consumer lending since 2022 as a developer and tech lead, on loan origination pipelines and microloans. I build Amortance and carry out the reviews; you work directly with me.
Email your platform and one difficult case. I will reply with a scope, data checklist, fixed fee and start date.
Sample report · the same plan, July's deferral
After a deferral, the next payment covers two periods of accrued interest. This illustrative export charges only one.
Cause: $107.26 of the next payment went to principal instead of accrued interest. Action: carry the deferred interest forward and replay the schedule from 3 July.
Under this contract, deferring a payment does not waive accrued interest. Check this example →
The downloads cover this same plan: one check, the interest in payment 13 after the deferral. In the row, exported_amount is your system's figure after the event, recomputed_amount the same figure under the contract, difference the gap between them.
A working example you can inspect
Change a contract rule, watch the numbers update and trace the result to its inputs. Your engineers can also run the independent verifier.
The public demo uses synthetic data and covers the published scenarios.
Planned product · in development
An API and a calculation package you can run yourself are in development. Integration has a separate scope and price; for that work I bring in engineers I have worked with before.
Amortance only calculates. It does not move money, hold borrower identity data or make credit decisions. The dealer funds the plan and owns its contract terms.
I am looking for the first platform partners to shape that work.
Your existing systems keep handling borrower identity, credit decisions and money movement.
Before you get in touch
For software teams serving dealers that finance their own customer purchases and have existing plans to check. Typical changes include deferrals, service-contract refunds and insurance payoffs.
You can use the report to improve your existing engine and add checked cases to your tests. Buying a review creates no obligation to integrate Amortance.
A platform team member who understands the export and current calculations. The review runs against your platform's default terms, so no dealer has to take part. Where a merchant's own contract differs from those terms, the person responsible for it confirms the rule.
The report records confirmed matches, the rules checked and any data gaps. Its conclusions cover the selected plans and scenarios.
Start with a description of your case. We then agree export fields and a transfer method. Use non-identifying plan IDs, amounts, terms and dated events; omit borrower names, contact details and payment credentials. An NDA is available on request. I delete the export once the report is delivered, unless you ask me to keep it for a follow-up.
Partly. With no interest, an earlier effective date does not change what was already charged, so past periods stay as they were. The review still checks that each change produces the right balance, remaining installments and refund, and that the platform records the rule it applied.
Talk directly with the founder
Email your platform and one difficult case to hello@amortance.com. I will confirm whether the review fits and whether one of the three launch slots is still open.