---
title: How to add funding in a commercial loan?
description: This article discusses how to add funding in a commercial loan.
---

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October 9, 2026

# How to add funding in a commercial loan?

## This article discusses how to add funding in a commercial loan.

The funding process is an **essential** part of the initial loan setup and must be completed before any payments can be processed for a loan. The Mortgage Office® powerful and flexible funding engine allows for **one** or **more lenders** to participate in the loan with varying servicing fees. Loans can be funded **all at once** or **incrementally** during the life of the loan. Mid-period funding and sales/purchases are easily entered and accurately distributed. The funding process for commercial, construction, lines of credit and conventional loans differs slightly.

Use the ![db](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/db.png?width=15&height=15&name=db.png) **Add Funding** assistant to account for initial and incremental funding, and to transfer loan ownership between lenders.

TIP: Funding **increases** the loan's principal balance.

There are 3 ways to add funding to a commercial loan in The Mortgage Office®: from the [Commercial grid](https://help.themortgageoffice.com/knowledge/how-to-add-funding-in-a-commercial-loan-2#commercial)[,](https://help.themortgageoffice.com/knowledge/how-to-add-funding-in-a-commercial-loan-1?hsLang=en#all-loans-grid) from the [loan file,](https://help.themortgageoffice.com/knowledge/how-to-add-funding-in-a-commercial-loan-2#loan-file) or through [Tasks & Reports.](https://help.themortgageoffice.com/knowledge/how-to-add-funding-in-a-commercial-loan-2#t-r)

### **To add funding from the Commercial grid:**

- Click on ![running](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/running.png?width=15&height=15&name=running.png) **Loan Servicing** in the left panel of The Mortgage Office®.
- Click the **Loans** drop-down.
- Click **Commercial** below **All Loans** from the menu located on the left of the window.
- From the grid, select the loan to add funding.

TIP: If the record you want to edit is not visible, use the grid's vertical scroll bar to scroll the contents of the grid up or down, or click ![FindSearch icon box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/FindSearch%20icon%20box.png?width=214&height=25&name=FindSearch%20icon%20box.png) **Find** to search for the record by entering your own search criteria. For additional information see [How to use find](https://help.themortgageoffice.com/knowledge/how-to-use-find?hsLang=en) and [How to use the data grids.](https://help.themortgageoffice.com/knowledge/how-to-use-the-data-grids?hsLang=en)

- Click ![action-png-1](https://help.themortgageoffice.com/hs-fs/hubfs/action-png-1.png?width=15&height=15&name=action-png-1.png) from the options available on the top panel and select ![db](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/db.png?width=15&height=15&name=db.png)**Add Funding** from the list.
- Enter the following information:

TIP: When entering a funding directly from the **All Loans grid**, the Loan Account field is disabled and **automatically** populated with the loan's account number and primary borrower's name.

| **Field:** | **Description:** |
| --- | --- |
| **Loan Account** | Enter the loan's **Account** number. TIP: Click ![image-png-3](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-3.png?width=17&height=20&name=image-png-3.png) to open a lookup window that allows you to select a record from a list of existing records. For more details see [How to use lookup windows](https://help.themortgageoffice.com/knowledge/how-to-use-lookup-windows?hs_preview=ZvxqWlVz-116799074672&hsLang=en). |
| **Borrower Name** | The primary borrower's **name** and **address** is displayed when a valid loan account is entered. This is a read-only field. |
| **Principal Balance** | The loan's current principal balance is displayed when a valid loan account is entered. This is a read-only field. |
| **Funding Date** | Enter the **date** of the funding. The default is today's date.   TIP: Fundings on the first day of the billing period are assumed **full period**. For example, a funding date of 7/1/2007 to a loan with a billed-through date of 6/30/2007 will accrue a full period worth of interest. TIP: Funding dates **on** or **before** the loan's billed-through date are not allowed. TIP: The funding starts **accruing** finance charges as of the funding date. |
| **Reference** | Enter a reference **number**. (Maximum of 10 characters) |
| **Funding Amount** | Enter the total **amount** of the funding. TIP: Enter a zero-dollar amount to record a sale/purchase or transfer of ownership between two or more lenders. |
| **Funding Fee** | Enter the **fee** amount to be charged for the funding. |
| **Select Trust Account** | Select a trust account from the drop-down list. TIP: The drop-down list is disabled until a numeric value is entered in the **Funding Amount** field. |
| **Notes** | You may enter up to 255 characters to **describe** the transaction. The notes are attached the loan's transaction and funding history.  TIP: The notes entered are for internal use only and are not disclosed to the borrower or lenders. |

- Click ![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=62&height=24&name=NEXT%20in%20blue%20box.png)**Next**.

TIP: The Next button is **disabled** until the following conditions are met:

- Valid loan **account.**
- Valid funding **date.**
- Funding amount is **not** blank. (You can enter a zero to transfer funds between lenders)

- The **Distribute Funding Amount** step is used to distribute the amount of the draw between one or more lenders. Upon entry, the grid is populated with all the lenders currently funding this loan and it displays each lender's account, name and percentage of ownership. The table below contains a list of the grid's available options:

| **Buttons:** | **Description:** |
| --- | --- |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-20-53-2436-PM.png?width=205&height=34&name=image-png-Jul-06-2023-06-20-53-2436-PM.png) | If needed, click to add one or more new funding lenders. To learn more read [How to add a funding lender](https://help.themortgageoffice.com/knowledge/how-to-add-a-funding-lender?hs_preview=NQMNThvp-119171990892&hsLang=en). TIP: The total funding amount must be distributed before the![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=62&height=24&name=NEXT%20in%20blue%20box.png) **Next** button is enabled. TIP: Enter a **negative** number to account for a purchase/sale or transfer of ownership between lenders. For example, if lender A is selling $5,000 of his ownership to lender B, then enter -$5,000 for lender A and $5,000 for lender B. |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-22-20-0519-PM.png?width=169&height=25&name=image-png-Jul-06-2023-06-22-20-0519-PM.png) | Click to reset all amounts to **zero**. |
| ![](https://help.themortgageoffice.com/hubfs/image-png-Jul-13-2023-09-33-22-6085-PM.png) | Click to distribute the funding amount to all lenders, based on their **ownership** percentage. |

TIP: Check ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) next to the lender to automatically withdraw the funding amount from the lender's designated bank account via ACH. You can **Select All** or **Clear All** lenders using the hyperlink at the bottom of the form.

TIP: The lender ACH information **must** be setup prior to using this functionality. To learn more see [Setting Up Lender ACH Information](https://help.themortgageoffice.com/knowledge/setting-up-lender-ach-information?hs_preview=vyWIfBGg-121075869278&hsLang=en).

NOTE: You must distribute the amount of the draw fully between **one** or **more** lenders before you are allowed to continue to the next step.

- Click **Apply** to enter the funding and update all files or click **Cancel** to abort.

### To add funding from the loan file:

- Click on ![running](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/running.png?width=15&height=15&name=running.png) **Loan Servicing** in the left panel of The Mortgage Office®.
- Click the **Loans** drop-down.
- Click **Commercial** below **Conventional** from the menu located on the left of the window.
- From the grid, select the loan to add funding to.

TIP: If the record you want to edit is not visible, use the grid's vertical scroll bar to scroll the contents of the grid up or down, or click ![FindSearch icon box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/FindSearch%20icon%20box.png?width=222&height=26&name=FindSearch%20icon%20box.png) **Find** to search for the record by entering your own search criteria. For additional information see [How to use find](https://help.themortgageoffice.com/knowledge/how-to-use-find?hs_preview=HVOdZgqP-118552067706&hsLang=en) and [How to use the data grids.](https://help.themortgageoffice.com/knowledge/how-to-use-the-data-grids?hs_preview=iGfLglJv-112766338347&hsLang=en)

- Click ![image-png-Jun-23-2023-06-05-51-9477-AM](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jun-23-2023-06-05-51-9477-AM.png?width=15&height=15&name=image-png-Jun-23-2023-06-05-51-9477-AM.png) from the options available on the top panel or **double-click** on the loan.
- Click ![dollar-sign-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/dollar-sign-solid.png?width=15&height=15&name=dollar-sign-solid.png)**Funding** in the navigation panel on the left.
- Click ![db](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/db.png?width=15&height=15&name=db.png) **Add Funding** to open the **Add Funding assistant**.

- Enter the following information:

TIP: When entering a funding directly from a **loan file**, the Loan Account field is disabled and **automatically** populated with the loan's account number and primary borrower's name.

| **Field:** | **Description:** |
| --- | --- |
| **Loan Account** | Enter the loan's **Account** number. TIP: Click ![image-png-3](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-3.png?width=17&height=20&name=image-png-3.png) to open a lookup window that allows you to select a record from a list of existing records. For more details see [How to use lookup windows](https://help.themortgageoffice.com/knowledge/how-to-use-lookup-windows?hs_preview=ZvxqWlVz-116799074672&hsLang=en). |
| **Borrower Name** | The primary borrower's **name** and **address** is displayed when a valid loan account is entered. This is a read-only field. |
| **Principal Balance** | The loan's current principal balance is displayed when a valid loan account is entered. This is a read-only field. |
| **Funding Date** | Enter the **date** of the funding. The default is today's date.   TIP: Fundings on the first day of the billing period are assumed **full period**. For example, a funding date of 7/1/2007 to a loan with a billed-through date of 6/30/2007 will accrue a full period worth of interest. TIP: Funding dates **on** or **before** the loan's billed-through date are not allowed. TIP: The funding starts **accruing** finance charges as of the funding date. |
| **Reference** | Enter a reference **number**. (Maximum of 10 characters) |
| **Funding Amount** | Enter the total **amount** of the funding. TIP: Enter a zero-dollar amount to record a sale/purchase or transfer of ownership between two or more lenders. |
| **Funding Fee** | Enter the **fee** amount to be charged for the funding. |
| **Select Trust Account** | Select a trust account from the drop-down list. TIP: The drop-down list is disabled until a numeric value is entered in the **Funding Amount** field. |
| **Notes** | You may enter up to 255 characters to **describe** the transaction. The notes are attached the loan's transaction and funding history.  TIP: The notes entered are for internal use only and are not disclosed to the borrower or lenders. |

- Click ![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=62&height=24&name=NEXT%20in%20blue%20box.png) **Next**.

TIP: The Next button is **disabled** until the following conditions are met:

- Valid loan **account.**
- Valid funding **date.**
- Funding amount is **not** blank. (You can enter a zero to transfer funds between lenders)

- The **Distribute Funding Amount** step is used to distribute the amount of the draw between one or more lenders. Upon entry, the grid is populated with all the lenders currently funding this loan and it displays each lender's account, name and percentage of ownership. The table below contains a list of the grid's available options:

| **Buttons:** | **Description:** |
| --- | --- |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-20-53-2436-PM.png?width=205&height=34&name=image-png-Jul-06-2023-06-20-53-2436-PM.png) | If needed, click to add one or more new funding lenders. To learn more read [How to add a funding lender](https://help.themortgageoffice.com/knowledge/how-to-add-a-funding-lender?hs_preview=NQMNThvp-119171990892&hsLang=en). TIP: The total funding amount must be distributed before the![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=62&height=24&name=NEXT%20in%20blue%20box.png) **Next** button is enabled. TIP: Enter a **negative** number to account for a purchase/sale or transfer of ownership between lenders. For example, if lender A is selling $5,000 of his ownership to lender B, then enter -$5,000 for lender A and $5,000 for lender B. |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-22-20-0519-PM.png?width=176&height=26&name=image-png-Jul-06-2023-06-22-20-0519-PM.png) | Click to reset all amounts to **zero**. |
| ![](https://help.themortgageoffice.com/hubfs/image-png-Jul-13-2023-09-33-22-6085-PM.png) | Click to distribute the funding amount to all lenders, based on their **ownership** percentage. |

TIP: Check ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) next to the lender to automatically withdraw the funding amount from the lender's designated bank account via ACH. You can **Select All** or **Clear All** lenders using the hyperlink at the bottom of the form.

TIP: The lender ACH information **must** be setup prior to using this functionality. To learn more see [Setting Up Lender ACH Information](https://help.themortgageoffice.com/knowledge/setting-up-lender-ach-information?hs_preview=vyWIfBGg-121075869278&hsLang=en).

NOTE: You must distribute the amount of the draw fully between **one** or **more** lenders before you are allowed to continue to the next step.

- Click **Apply** to enter the funding and update all files or click **Cancel** to abort.

### **To add funding from Tasks & Reports:**

- Click on ![running](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/running.png?width=15&height=15&name=running.png) **Loan Servicing** in the left panel of The Mortgage Office®.
- Click on **Tasks & Reports.**
- In the Loan Transactions section, click ![db](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/db.png?width=15&height=15&name=db.png) **Add Funding (Commercial).**
- Enter the following information:

| **Field:** | **Description:** |
| --- | --- |
| **Loan Account** | Click ![image-png-3](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-3.png?width=17&height=20&name=image-png-3.png) to open a lookup window that allows you to **select** a record from a list of existing records. For more details see [How to use lookup windows](https://help.themortgageoffice.com/knowledge/how-to-use-lookup-windows?hs_preview=ZvxqWlVz-116799074672&hsLang=en). |
| **Borrower Name** | The primary borrower's **name** and **address** is displayed when a valid loan account is entered. This is a read-only field. |
| **Principal Balance** | The loan's current **principal** balance is displayed when a valid loan account is entered. This is a read-only field. |
| **Funding Date** | Enter the **date** of the funding. The default is today's date.   TIP: Fundings on the first day of the billing period are assumed **full period**. For example, a funding date of 7/1/2007 to a loan with a billed-through date of 6/30/2007 will accrue a full period worth of interest. TIP: Funding dates **on** or **before** the loan's billed-through date are not allowed. TIP: The funding starts **accruing** finance charges as of the funding date. |
| **Reference** | Enter a reference **number**. Maximum of 10 characters. |
| **Funding Amount** | Enter the total **amount** of the funding. TIP: Enter a zero-dollar amount to record a sale/purchase or transfer of ownership between two or more lenders. |
| **Funding Fee** | Enter the **fee** amount to be charged for the funding. |
| **Select Trust Account** | Select a trust account from the drop-down list. TIP: The drop-down list is disabled until a numeric value is entered in the **Funding Amount** field. |
| **Notes** | You may enter up to 255 characters to **describe** the transaction. The notes are attached the loan's transaction and funding history.  TIP: The notes entered are for internal use only and are not disclosed to the borrower or lenders. |

- Click ![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=62&height=24&name=NEXT%20in%20blue%20box.png) **Next**.

TIP: The Next button is **disabled** until the following conditions are met:

- Valid loan **account.**
- Valid funding **date.**
- Funding amount is **not** blank. (You can enter a zero to transfer funds between lenders)

- The **Distribute Funding Amount** step is used to distribute the amount of the draw between one or more lenders. Upon entry, the grid is populated with all the lenders currently funding this loan and it displays each lender's account, name and percentage of ownership. The table below contains a list of the grid's available options:

| **Buttons:** | **Description:** |
| --- | --- |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-20-53-2436-PM.png?width=205&height=34&name=image-png-Jul-06-2023-06-20-53-2436-PM.png) | If needed, click to add one or more new funding lenders. To learn more read [How to add a funding lender](https://help.themortgageoffice.com/knowledge/how-to-add-a-funding-lender?hs_preview=NQMNThvp-119171990892&hsLang=en). TIP: The total funding amount must be distributed before the![NEXT in blue box](https://help.themortgageoffice.com/hs-fs/hubfs/TMO%20APP%20Icons/NEXT%20in%20blue%20box.png?width=62&height=24&name=NEXT%20in%20blue%20box.png) **Next** button is enabled. TIP: Enter a **negative** number to account for a purchase/sale or transfer of ownership between lenders. For example, if lender A is selling $5,000 of his ownership to lender B, then enter -$5,000 for lender A and $5,000 for lender B. |
| ![](https://help.themortgageoffice.com/hs-fs/hubfs/image-png-Jul-06-2023-06-22-20-0519-PM.png?width=209&height=32&name=image-png-Jul-06-2023-06-22-20-0519-PM.png) | Click to reset all amounts to **zero**. |
| ![](https://help.themortgageoffice.com/hubfs/image-png-Jul-13-2023-09-33-22-6085-PM.png) | Click to distribute the funding amount to all lenders, based on their **ownership** percentage. |

TIP: Check ![square-check-solid](https://help.themortgageoffice.com/hs-fs/hubfs/Icons/square-check-solid.png?width=15&height=15&name=square-check-solid.png) next to the lender to automatically withdraw the funding amount from the lender's designated bank account via ACH. You can **Select All** or **Clear All** lenders using the hyperlink at the bottom of the form.

TIP: The lender ACH information **must** be setup prior to using this functionality. To learn more see [Setting Up Lender ACH Information](https://help.themortgageoffice.com/knowledge/setting-up-lender-ach-information?hs_preview=vyWIfBGg-121075869278&hsLang=en).

NOTE: You must distribute the amount of the draw fully between **one** or **more** lenders before you are allowed to continue to the next step.

- Click **Apply** to enter the funding and update all files or click **Cancel** to abort.

 

 

 

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