Originate and service loans
without the spreadsheets.
Notesheet is the modern platform for private lenders — exact interest math, automated servicing, investor payouts, and tax-ready reporting in one place.
Money math built on integer cents & an immutable ledger — auditable to the penny.
Everything to run a private lending book
From the first draw to the final payoff — Notesheet replaces the spreadsheets, the tax headaches, and the guesswork.
Loan origination
Enter borrowers, collateral, and terms, preview the amortization schedule, and fund — draft to active in minutes.
Automated servicing
Nightly interest accrual, delinquency tracking, late fees, and statements. Interest-only, amortizing, and balloon — per loan.
Payments & ledger
Post payments with an automatic waterfall or manual split. Every entry lands on an immutable, auditable ledger.
Investor payouts
Track each investor’s position, cash-basis earnings, and disbursements — with a yield-spread model built in.
Tax & reporting
Auto-filled 1099-INT forms, year-end summaries, portfolio dashboards, aging and income reports.
Payoffs & holdover
One-click payoff quotes and settlement, plus automatic holdover accrual at your default rate past maturity.
One source of truth, start to finish
Notesheet keeps origination, servicing, and reporting in sync — so your numbers always reconcile.
Originate
Add the borrower, property, and note terms. Notesheet builds the schedule and boards the loan for servicing.
Service
Accrual, billing, delinquency, and statements run on autopilot. Post payments and Notesheet keeps the books exact to the cent.
Report & pay out
See portfolio performance, disburse investor interest, and generate 1099s — all from one source of truth.
Integer-cent money math with bcmath — no floating-point drift, ever.
Every charge and payment is append-only. Corrections are reversing entries, fully auditable.
Investors earn their share of interest actually collected — never disbursed before it lands.
See Notesheet on your portfolio
Book a walkthrough and we’ll show how Notesheet handles your loans, investors, and reporting.