Private loan tracking,
finally automated.
The simplest way for private lenders to track loans, manage borrowers, and keep payment records — all in one place.
Free to start · Bank-level encryption · No credit card required
- Set up in 5 minutes
- Automated reminders
- Amortization included
- Bank-level encryption
From setup to autopilot in minutes
- 01
Create your loan
Enter the amount, rate, term and late fee rules. Your full amortization schedule is ready in seconds.
- 02
Invite your borrower
Your borrower gets an email invite to their own portal, or keep them offline and invite them later.
- 03
Track everything
Mark payments, apply late fees, record paydowns and payoffs, and get year-end summaries for tax time.
FEATURES
Everything a private lender needs
Built specifically for private lenders and seller-financing deals — not adapted from generic banking software.
Amortization Engine
Auto-generate complete payment schedules with precise principal/interest splits on loan creation.
Borrower Portal
Borrowers get their own dashboard to view their schedule, history, and remaining balance.
Late Fee Automation
Set a grace period. Lendy automatically calculates and applies late fees when triggered.
Payment Tracking
Mark payments received, track partial payments, and see a full history per loan.
Year-End Summary
One-click tax summary showing interest income per loan for each calendar year.
Installment Sale Tax
For seller-financed real estate, automatically calculate the gross profit ratio and taxable gain recognized on each payment.
Automated payment collection — where borrowers authorize recurring payments directly through Lendy — is on our roadmap and will be available in a future release.
PRICING
Simple, transparent pricing
Start free. Upgrade as you grow.
Free
$0/month
Everything you need for a single loan
- 1 active loan
- Amortization schedules & payment tracking
- Late fees & year-end tax summaries
- Borrower portal & payment reminders
Lender
$15/month
For active private lenders
- Up to 10 active loans
- Everything in Free
- Overdue reminders & lender alerts
- Customizable reminder timing
Pro
$29/month
For high-volume lenders
- Unlimited active loans
- Everything in Lender
- Portfolio analytics
Ready to take control of your loans?
Join lenders who've replaced spreadsheets with Lendy.
Get Started Free — No credit card required