# Accelerate and reverse acceleration

Accelerating a loan makes the entire outstanding balance due immediately. Use this tool when a loan must be manually accelerated — for example, after an approved bankruptcy case. To undo an acceleration that was applied by mistake, use the reverse acceleration tool.

**Availability:** All clients
**Required permissions:** `loan:accelerate` (to accelerate); `loan:accelerate.reverse` (to reverse)
**Loan status:** Accelerate requires `active`; Reverse accelerate requires `accelerated`
**Loan types:** All

## Before you begin

- Loans are typically accelerated automatically by the system after a configurable number of days in overdue status. Manual acceleration is for cases where you need to override or preempt that automatic process.
- Accelerated loans stop accruing interest. The full outstanding balance becomes due immediately.
- If the outstanding balance is not paid after acceleration, the loan may be charged off. See [Charge off, update details, and reverse charge-off](/servicing-operations/agent-only-tools/agent-tools-charge-off).


## Accelerate a loan

1. From the agent-view Borrower Portal, open the loan and select **Loan options** > **Accelerate**.
2. Review the current loan balance displayed on the form.
3. Enter an **Effective date** for the acceleration. By default this is set to today.
4. Optionally select **Send notice to borrower** to email the borrower.
5. If your company requires a Case ID, select a case from the **Case ID** dropdown. See [Global behaviors — Case ID requirement](/servicing-operations/agent-only-tools/agent-tools-overview#case-id-requirement).
6. Select **Accelerate**.


The loan status changes to `accelerated`. The acceleration appears in the borrower's Activity view.

### Accelerate field reference

| Field | Description | Required | Values / Format |
|  --- | --- | --- | --- |
| **Loan balance** | The current outstanding balance of the loan. | — | Read-only display |
| **Effective date** | The date the acceleration takes effect. | Yes | Date (default: today) |
| **Send notice to borrower** | Sends an email to the borrower about the acceleration. | No | Checkbox |
| **Case ID** | The case associated with this action. | Conditional | Select from open cases. Required when `forceCaseIdOnAgentActions` is enabled. |


## Reverse acceleration

If a loan was accelerated by mistake, you can reverse the acceleration to return the loan to `active` status.

1. From the agent-view Borrower Portal, open the accelerated loan and select **Loan options** > **Reverse accelerate**.
2. Select **Reverse accelerate**.


The loan status changes back to `active`.

**Important:** If you reverse the acceleration and the loan has an overdue balance, the system may automatically re-accelerate the loan if the overdue balance is not resolved the same day.

## Related pages

- [Agent-only loan tools](/servicing-operations/agent-only-tools/agent-tools-overview)
- [Charge off, update details, and reverse charge-off](/servicing-operations/agent-only-tools/agent-tools-charge-off)
- [Freeze and unfreeze a loan](/servicing-operations/agent-only-tools/agent-tools-freeze)