Built for the whole loan lifecycle
Every tool a private real-estate lender needs to originate, service, and report — with money math you can trust.
From application to funded in minutes
Capture borrowers, guarantors, and collateral, set your note terms, and preview the exact amortization schedule before you fund. Interest-only, amortizing, and balloon structures are supported per loan, with configurable day-count conventions.
- Borrower, co-borrower & guarantor roles
- Property & lien tracking
- Live schedule preview
- Draft → active funding workflow
Servicing that runs itself
Nightly interest accrual, delinquency buckets, late-fee assessment, and statement generation happen automatically. Post a payment and Notesheet allocates it through a configurable waterfall — or split it manually when you back-enter history.
- Automatic accrual & billing
- Late fees & grace periods
- Payment waterfall or manual split
- Holdover accrual at your default rate
Books that reconcile to the penny
Money is stored as integer cents and computed with bcmath — no floating-point drift. The ledger is append-only, so corrections are reversing entries you can always audit. Void or edit a payment and the trail stays intact.
- Immutable transaction ledger
- Void & edit with full audit trail
- Running balances that ignore voids
- Escrow tracking & disbursements
Investor payouts, done right
Track each investor’s capital, positions, and cash-basis earnings with a built-in yield-spread model. Investors only earn their share of interest actually collected — so you never disburse money that hasn’t landed.
- Per-loan investor positions
- Cash-basis interest earnings
- Disbursements & reinvestment
- Yield-spread economics
Tax-ready, portfolio-wide
Generate the official IRS Form 1099-INT auto-filled for each investor, plus year-end summaries. Portfolio dashboards show outstanding principal, weighted-average rate, expected interest, and delinquency at a glance.
- Auto-filled 1099-INT forms
- Payoff & interest statements
- Aging, income & cash-receipts reports
- Portfolio & maturity dashboards