Fee mechanics are a vital lever for private credit managers, often making the difference in deal economics, risk-sharing, and investor returns. Whether you’re negotiating arrangement fees, ticking fees, prepayment premiums, or bespoke recurring charges, the variety and flexibility demanded by modern credit funds stretch conventional systems and Excel far beyond their comfort zone. Tracking, modeling, and amending fee structures shouldn’t create operational drag or audit headaches.
Purpose-built for private credit fees
Carta Loan Operations was designed with these exact challenges in mind. Our platform recognizes that private credit deals are living instruments; fee arrangements evolve with market conditions, sponsor needs, and competitive pressures. Rather than bolt-on a simple “fee box,” Carta natively supports a full range of fixed and variable fee structures—tied directly into your authoritative payment schedule and reporting.
With Carta, you can:
Configure and manage complex fee structures, from one-time upfront or arrangement fees, to recurring ticking or unused fees, to tiered prepayment premiums, all at the deal, tranche, or participant level.
Reflect amendments and side-letter arrangements instantly, updating the schedule and ensuring every stakeholder has a real-time view of current and future obligations.
Automate fee accrual, invoicing, and collection so operational teams aren’t chasing receipts or updating ledgers by hand.
Seamlessly model fee impacts—like layering on a minimum interest fee, introducing a new exit fee, or adjusting call protection terms—to see immediate effects on cash flows, IRR, and MOIC for both deals and portfolios.
Centralize all fee data within a single system, eliminating redundant spreadsheets and manual reconciliation.
Scenario modeling for every fee arrangement
Every GP needs to ask “what if?” What if you add a call premium? How would recurring ticking fees during an extension change portfolio returns? Carta empowers users to answer these questions directly in-platform—without building new templates for each scenario.
Legacy loan tools and Excel trackers simply can’t keep pace with real-world fee evolution: calculations are siloed, version control is weak, and audit trails are patchy at best. Carta centralizes every fee arrangement, change, and payment, so your records are always correct, up-to-date, and ready for your next audit or investor meeting.
Built by structurers, for structurers
Carta Loan Operations was shaped by GPs and operational experts who know that deal value is often found (or lost) in the details. Our platform puts you in full control, with the flexibility to structure fees your way.
What’s next
As fee innovation accelerates across private credit, Carta makes dynamic fee structuring a core part of your operational toolkit. Adapt quickly, execute with certainty, and deliver the transparency your LPs demand.
DISCLOSURE: This communication is on behalf of eShares, Inc. dba Carta, Inc. ("Carta"). This communication is for informational purposes only, and contains general information only. Carta is not, by means of this communication, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services. This publication is not a substitute for such professional advice or services nor should it be used as a basis for any decision or action that may affect your business or interests. Before making any decision or taking any action that may affect your business or interests, you should consult a qualified professional advisor. This communication is not intended as a recommendation, offer or solicitation for the purchase or sale of any security. Carta does not assume any liability for reliance on the information provided herein. ©2026 Carta. All rights reserved. Reproduction prohibited.
