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
Fund administration & accounting for private credit and direct-lending funds — amortised cost, ECL staging (IFRS 9), PIK accruals and LP reporting.
6 capabilities
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
6 capabilities
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
6 capabilities
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
01
Direct lending funds
Senior and unitranche lending with effective-interest income, ECL provisioning and revolver mechanics.
Days, not weeksClose cycle
Always-readyAudit prep
02
Venture debt
Loans to venture-backed companies with warrants, drawdowns and milestone tranches alongside equity upside.
UnlimitedFacilities tracked
03
Note programmes & convertible note
Issue promissory notes and convertible note to investors, with principal, interest, maturity and conversion terms tracked in the LP portal.
In the portalNoteholder reporting
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.
Explore
Other solutions
Book a walkthrough
See Private Credit running on your own structure
Bring your fund or vehicle and your questions. Our team will show aama.io working on your set-up, not a generic demo.
- Shown on your own structure
- Pricing explained up front
- Singapore and APAC specialists
Your walkthrough3 steps
1Share your structureYour fund type, vehicles and investors
2See it on your numbersCapital calls, accounting and reporting for your set-up
3Get a plan that fitsPricing for your fund type, explained up front
Raising your first fund? See Launch Free