Stop running your notes out of a spreadsheet.
Lendiom services owner-financed notes, land contracts, and rentals. Amortization schedules, online payments, late fees, and borrower reminders run on their own, so you can stop tracking payments by hand.
What you can run on it
Two sides of the same portfolio, in one place.
Owner Financing Contracts
Set up a contract and Lendiom builds the amortization schedule, applies late fees on your terms, collects the payments, and keeps every buyer's history straight. See how it works for owner financing, land contracts and contracts for deed, or servicing your own notes.
Rental Management
Rentals run on the same workflow as the notes. Late fees that apply themselves, online rent payments with auto-pay, reminders by text and email. Included in every plan at no extra cost.
See Lendiom in action
About a minute, and it shows the actual software rather than a slide deck.
What customers tell us
“In a busy world, Lendiom is a great tool that allows me to manage my clients with minimal involvement.”— Antonio L.
“Lendiom's software has made my land development projects so much easier. From tracking contract payments to managing projects, it's an all-in-one solution that saves me time and effort.”— Jeremy W.
“Lendiom has enabled us to launch a successful business that we could not have otherwise launched.”— Caleb A.
The parts that save you the most time
These are the jobs people were doing by hand before.
Contracts in minutes
Walk through the terms once and the schedule generates itself. Standard, daily accrual, or interest-only, with down payments, setup fees, and escrow if you need them.
Everything about a buyer in one file
Contact details, notes, documents, entities, and every message you have sent them. Social Security numbers are encrypted separately and only staff you allow can see them.
Buyers pay themselves
ACH, credit, or debit through Lendiom Pay. No password to forget, and they can turn on auto-draft without calling you.
Reminders that go out without you
Upcoming payments, due-today notices, late notices, and receipts, by text and email, in English or Spanish.
Reports your accountant will take
Twelve of them, as Excel workbooks. Installment income, transaction lists, journal entries, 1098 data. Run them on demand or have them emailed every month.
A ledger that survives the real world
Partial payments, overpayments, reversals, and returned ACH all land correctly. When a payment bounces after later ones posted, Lendiom re-applies them in order instead of leaving you to unpick it.
Get paid, effortlessly.
Your buyers get their own portal. They sign in with an account number and a texted code, see their balance, history, and payoff amount, and pay by bank or card. It works in English or Spanish, and there is nothing to download.
Visit Lendiom PayBuilt by people who were doing this the hard way.
Lendiom is built by Lendiom LLC in Memphis, Tennessee. I started it because I was tired of managing spreadsheets. The software that could have replaced them was priced well above what a portfolio my size could justify, and the other option was hiring someone to do the same work by hand, which is paying for the problem instead of fixing it. So we built the thing I wanted.