Private Credit
Private Credit Fund Administration Software
Credit funds break tools built for equity. aama.io runs the accounting direct lending actually requires — effective-interest amortisation, expected-credit-loss staging, PIK and cash interest, revolver drawdowns and fee income — alongside capital calls, distributions and investor reporting, for mid-market credit managers across Singapore and APAC.
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Why aama.io
Built to move your operations forward
Accounting that fits credit
Effective-interest, ECL and PIK handled natively under IFRS 9 / SFRS(I) 9 — not forced through an equity-fund ledger.
A NAV you can defend
Accrued interest, amortisation and impairment flow into a NAV that stands up to audit.
One platform, end to end
Loan administration, accounting and the LP portal share one data model — no reconciliation between systems.
MAS & VCC ready
Built for Singapore credit funds, including VCC sub-fund structures and MAS-aligned reporting.
Capabilities
Everything you need, in one platform
Credit accounting (IFRS 9 / SFRS(I) 9)
The measurement model credit funds actually need
- Amortised cost with effective-interest amortisation
- Business-model and SPPI classification
- Expected-credit-loss (ECL) staging and provisioning
- PIK and cash interest accruals
- Original issue discount and arrangement fee recognition
- Fair value (FVTPL) where positions are traded
Loan & facility administration
Every loan, drawdown and repayment tracked
- Borrower and facility register
- Term loans, revolvers and delayed-draw tranches
- Drawdown, repayment and amortisation schedules
- Covenant tracking and watchlist flags
- Position-level valuation and impairment
- Multi-currency loans with FX revaluation
Capital, distributions & LP reporting
Investor operations end to end
- Capital calls and commitment tracking
- Income vs principal distributions
- Interest and yield distributions to LPs
- Capital account statements
- Distribution waterfalls and carried interest
- White-labeled LP portal and reporting
Use cases
How teams put it to work
Direct lending funds
Senior and unitranche lending with effective-interest income, ECL provisioning and revolver mechanics.
Close cycleDays, not weeks
Audit prepAlways-ready
Mezzanine & private credit
Subordinated debt with PIK toggles, warrants and blended cash/PIK coupons.
PIK accrualsAutomated
Venture debt
Loans to venture-backed companies with warrants, drawdowns and milestone tranches alongside equity upside.
Facilities trackedUnlimited
Platform
More of what's under the hood
Effective-interest engine
Amortises premium, discount and fees over the life of each loan and posts the journal entries automatically.
Expected credit loss
Forward-looking ECL staging and provisioning for assets held at amortised cost, with a full audit trail.
PIK & cash interest
Separate accrual of paid-in-kind and cash interest, with capitalisation to principal where the facility provides for it.
Facility & covenant tracking
A live register of facilities, drawdowns, repayments and covenants, with watchlist flags.
Income distributions
Distribute interest and yield to LPs, with income-versus-principal treatment and capital accounts.
MAS & VCC support
VCC sub-fund segregation and MAS-aligned reporting for Singapore credit vehicles.
FAQ
Frequently asked questions
Explore
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Ready to transform your fund operations?
See aama.io run on your own structure — book a walkthrough with our team.