RepayFlow handles the jobs your spreadsheet can't — audit trails, automated waterfalls, and payoff quotes prorated to the day. Built for micro lending.
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Most loan software is built for banks. RepayFlow is built for you — the private lender managing bridge loans, fix-and-flips, and ground-up construction.
No more spreadsheet formulas that break. No more manual calculations at payoff. Every loan, from draft to close, tracked with precision.
Create a loan in under a minute. Set the rate, term, payment frequency, day count, and fees. IO with balloon? Standard amortizing? Curtailments? It's all built in.
See Features →Record payments, track late fees, handle arrears. The waterfall applies every dollar in the right order — fees, arrears, interest, principal. Automatically.
See Features →Generate payoff quotes with prorated interest. Close with reason tracking — paid in full, write-off, or loss. Every action logged in an immutable audit trail.
See Features →No bloat. No bank features you'll never use. Just the tools private lenders rely on every day.
Standard, interest-only with balloon, curtailments. Every schedule generated to the penny with your chosen day count convention.
Every payment applied in the right order: fees, arrears, interest, then principal. Configurable for late fees, arrears mode, or both.
Instant payoff calculations with prorated interest, outstanding arrears, prepayment penalties, and exit fees. Good-through date included.
Every disbursement, payment, rate change, and close event is logged immutably. Actor, timestamp, IP, and full before/after diffs.
Each lending operation gets its own subdomain, data isolation, and team accounts. Your borrowers never see another lender's data.
Rate changes and term extensions mid-loan. PMT auto-recalculates. Curtailments redistribute across the extended term. No manual rework.
Attach every loan document — notes, title commitments, insurance certificates — organized in 13 categories. Plus one-click PDFs: Term Sheets, Payoff Letters, Loan Statements, and Receipts.
Set an initial advance below loan amount, track holdback and draw releases as the project progresses. IO payments auto-adjust based on funded balance.
Visual Kanban board from Inquiry to Closing. Drag-and-drop deals between stages, track every opportunity, and originate directly into the loan lifecycle. No separate CRM needed.
Excel handles the math. RepayFlow handles everything around it.
| Spreadsheet | RepayFlow | |
|---|---|---|
| Amortization schedule | Manual formulas, breaks when you add rows | Auto-generated from loan parameters |
| Payoff calculation | Done by hand, error-prone | One click, prorated to the exact day |
| Payment waterfall | You decide the order manually | Fees → Arrears → Interest → Principal, enforced |
| Audit trail | Who changed what? No idea. | Every action logged with actor, timestamp, IP |
| Late fees & arrears | Tracked in your head or notes | Auto-assessed after grace period, paid first |
| Rate change mid-loan | Rebuild entire sheet | One input, remaining periods recalculate |
| Day count convention | Everyone uses 30/360 because ACT is tedious | 30/360, ACT/360, ACT/365 — transparent |
| 30+ loans | One file per loan, chaos | One dashboard, searchable, filterable |
| Deal pipeline | Separate CRM or sticky notes | Built-in Kanban (Inquiry → Closing) |
| Loan documents | Email, Dropbox, local folders — not linked to the loan | Attached to the loan, 13 categories, audit-tracked |
| Professional documents | Format it yourself, every time | Term Sheet, Payoff Letter, Statements — one-click PDF |
| Construction draws | Separate tracker, manual balance updates | Built-in holdback and draws, IO auto-adjusts |
The payment waterfall and day count handling are exactly what private lenders need but can't reliably build in Excel. The immutable audit trail alone solves a compliance gap most small lenders don't realize they have until it's too late.
Loan Servicing Consultant Private Lending OperationsIndustry professionals review how RepayFlow handles the details that matter.
Most private lenders calculate payoffs by hand or with fragile spreadsheet formulas. A system that prorates interest to the exact day using the correct day count convention eliminates the most common source of disputes at closing.
An append-only event log with actor identity, timestamp, and IP address on every action is exactly the kind of audit infrastructure regulators look for. Spreadsheets have no equivalent — any cell can be silently changed.
The payment waterfall — fees, then arrears, then interest, then principal — follows the standard contractual priority most promissory notes specify. Automating this removes a major source of accounting errors in manual servicing.
Supporting 30/360, ACT/360, and ACT/365 transparently is rare in tools built for small lenders. Most just default to 30/360. For lenders with mixed portfolios, having the day count affect the actual PMT — not just the display — matters for accuracy.
A visual deal pipeline that feeds directly into the loan origination workflow is a practical upgrade over the CRM-plus-spreadsheet combination most small shops use. Draft-to-disburse in one system reduces data re-entry errors significantly.
Tenant-level data isolation with subdomain separation is the right architecture for multi-lender SaaS. Each operation sees only its own loans, borrowers, and audit history — essential for any lender handling sensitive borrower data.
Whether you're originating a simple bridge loan or managing a complex IO with curtailments and rate changes, RepayFlow handles the math so you don't have to.
Two plans. No hidden fees. No annual contract. Pick the one that fits — start in a sandbox first.
For lenders managing up to 200 active loans.
For larger portfolios — 200+ active loans.
No setup fee. No annual contract. No per-loan charges. Cancel anytime.
See how we compare to Baseline, Lendr & other private lender software →
Private and micro lenders managing loan portfolios — bridge, fix-and-flip, ground-up construction, and stabilization loans. If you're currently tracking loans in Excel or Google Sheets, RepayFlow is for you.
Bank LOS/LMS platforms are designed for conventional mortgages with compliance layers you don't need. RepayFlow is purpose-built for private lending — interest-only with balloon, flexible payment frequencies, origination points, default interest rates, and the payment waterfall private lenders actually use.
No. If you can use a spreadsheet, you can use RepayFlow. The interface is designed for lenders, not developers. You enter loan terms, and the system handles the math — amortization, waterfall, payoff quotes, everything. No formulas, no macros, no breaking.
Each tenant is fully isolated — separate subdomain, separate data. All sensitive data is encrypted at rest and in transit. The append-only audit trail ensures no action can be silently modified or deleted.
Standard is $899/month for portfolios up to 200 active loans — every feature included. Larger operations get custom pricing based on volume. No setup fees, no annual contract, no per-loan charges. See pricing →
Get your own sandbox environment to test RepayFlow with real loan scenarios. No commitment, no credit card.
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