Private Lender Software Pricing Compared (2026)
Most private lending software hides their pricing behind a "Contact Sales" form. Here's the actual cost of every major option for private and hard money lenders in 2026 — what you pay, what you get, and where each one fits.
If you have under 20 active loans: A spreadsheet still works. Switch when you hit a specific pain (audit gap, two-person edit conflict, borrower portal request).
If you have 20–200 loans: RepayFlow at $899/month is purpose-built for hard money and private lending — same scale segment as Baseline ($995), Lendr ($995), Nortridge ($1,140), but no setup fee and no annual contract.
If you have 200+ loans or institutional servicing: Look at Nortridge or LoanPro. Enterprise platforms start to make sense at that scale.
Pricing at a Glance
Here's the published or reported entry-level pricing for the loan servicing tools most often shortlisted by private lenders.
| Software | Starting Price | Loan Limit | Hard Money Focus | Setup Fee | Annual Contract |
|---|---|---|---|---|---|
| RepayFlow | $899 / mo | 200 (Standard) | Yes | None | None |
| Baseline | $995 / mo | <50 (entry tier) | Mixed | Varies | Likely |
| Lendr | ~$995 / mo | Per ops | Yes | Custom | Likely |
| Nortridge | ~$1,140 / mo | Custom | Broad LMS | Yes | Yes |
| TMO | Custom | Custom | Enterprise | Yes | Yes |
| LoanPro | Custom | Custom | Broad lending | Yes | Yes |
Pricing reflects entry tiers as advertised or reported by users. Actual quotes vary by portfolio size, integrations, and contract terms.
What Each Vendor Costs (And What's Included)
RepayFlow
$899 / month FeaturedPurpose-built loan servicing software for private and hard money lenders. The Standard tier is $899/month for portfolios up to 200 active loans — every feature included. Custom pricing kicks in above that.
What's in the Standard tier: interest-only with balloon (default loan type for hard money), standard amortizing, principal curtailments, payment waterfall, immutable audit trail, document vault, deal pipeline (Kanban), one-click PDFs (term sheet, payoff letter, loan statement, payment receipt), and three day count conventions (30/360, ACT/360, ACT/365).
No setup fee, no annual contract, no per-loan charges. Built solo + AI in 2026 — newer than the alternatives, with a deeper amortization engine designed specifically for hard money and bridge lending.
Baseline
$995 / month (entry)Established platform serving private lenders and small commercial originators. The entry tier is around $995/month for portfolios under ~50 loans, scaling up from there. Investor tracking, ACH, and a borrower portal are core to their offering.
Baseline anchors the "small private lender" pricing tier — most alternatives benchmark against their $995 starting point. Strong fit for lenders who want investor-side reporting baked in. Different fit than RepayFlow, which is more specialized in hard money fee mechanics (default interest rates, exit fees, prepayment penalties).
Lendr
~$995 / monthOperator-built platform with a strong focus on hard money workflow. Known for AI-assisted underwriting, borrower portal, ACH, DocuSign, 1099/1098, and Dutch interest support. Pricing typically starts around $995/month and scales with portfolio size and feature set.
Best fit if you need their full workflow stack (CRM + underwriting + servicing) in one place. Different focus than RepayFlow — Lendr leans toward breadth (workflow + integrations); RepayFlow leans toward depth in amortization mechanics (multiple day count conventions, waterfall enforcement, maturity stub handling).
Nortridge
~$1,140 / monthMature loan management system serving consumer, commercial, and real estate portfolios. Pricing starts around $1,140/month and climbs quickly with integrations and custom workflows. Setup fees and annual contracts are standard.
Comprehensive feature set built for larger and more diversified operations. The platform is more justified at 200+ loans or when moving into commercial servicing; below that scale, much of the breadth goes unused.
TMO (The Mortgage Office)
Custom (enterprise)Enterprise lending platform with sales-led pricing. Expect five-figure setup fees and multi-year annual contracts. Mature, broad, and capable — but built for institutional servicers, not the small private lender managing 20–100 loans.
Best fit if you're a large-scale servicer or running a fund with significant compliance overhead. Built for a different segment than the typical 20–100 loan private lender.
LoanPro
CustomBroad lending platform serving consumer, commercial, BNPL, and merchant cash advance use cases. Custom pricing, sales-led process, with annual contracts and setup costs. Capable platform with deep API and workflow customization.
Their target customer is significantly larger and more diversified than micro-private-lending. If your operation is a hard money lender with 20–100 loans, LoanPro is built for someone else.
How to Choose by Portfolio Size
5–20 active loans
You probably don't need software yet. A spreadsheet works. Switch only when you hit a specific pain — usually one of: a borrower asks for a portal login, an audit reveals you can't prove who edited a payment, or two team members corrupt each other's loan tape. Until then, you're paying for software you won't fully use.
20–50 active loans
This is where the software market starts. RepayFlow at $899/month is purpose-built for hard money and bridge — IO with balloon, curtailments, default interest, prepayment penalties, multi-tenant isolation, all out of the box. Comparable alternatives in this segment are Baseline ($995), Lendr (~$995), Nortridge ($1,140) — generally 10–25% more, often with setup fees and annual contracts on top.
50–200 active loans
RepayFlow's $899 Standard tier covers up to 200 active loans without scaling. Baseline, Lendr, and Nortridge typically move into custom pricing here, scaled by user seats and integrations — get at least three quotes. Nortridge starts to make sense if you're moving into commercial servicing or need deep compliance reporting.
200+ active loans or institutional servicing
Look at Nortridge or LoanPro. The big enterprise platforms are built for your scale and compliance footprint. RepayFlow can serve this segment but it's not where we lead — our core advantage (price, niche depth, fast iteration) compresses as portfolios scale.
What's Driving the Price Difference?
RepayFlow at $899/month sits 10–25% below the comparable competitors — not because we're cutting corners, but because of three structural choices:
- Niche specialization. We don't try to serve consumer lenders, BNPL, or commercial mortgage. Hard money + private lending is the entire product. Less surface area, less code, less support overhead.
- Solo + AI development. No enterprise sales team, no professional services org, no multi-office overhead. The cost of running RepayFlow is closer to a hosted SaaS than an enterprise platform.
- No vendor markup. Built from the ground up — no white-labeled engine, no third-party reseller layer. The math, the schedule generator, the audit trail, the PDF generators — all native.
The result: fair pricing visible on the website, no setup fee, no annual contract — what you'd expect from purpose-built software, without the enterprise procurement nonsense.
$899/mo. No setup fee. No annual contract.
Try RepayFlow in a sandbox first. Get a feel for the loan engine, run a payoff quote, generate a term sheet — then decide.
Request Demo →Pricing data current as of May 3, 2026. Sources include vendor public listings, customer-reported quotes, and industry references. Tier names and exact prices change frequently — verify directly with each vendor before purchase. RepayFlow is the author of this comparison and has commercial interest in your decision; verify our claims independently. We don't believe in disparaging competitors — every product on this list serves a real segment of the market, and the right choice depends on your operation.