Automatic Amortization Schedule
Full amortization schedule with interest/principal breakdown for every payment — for seller-financed mortgages (including balloon) and personal loans.
Seller Financing & Loan Payment Tracking
Payment tracking for seller-financed loans
Seller-financed notes, properly tracked.
You financed a property sale, sold your business with seller financing, or lent money privately. Tracking payments, interest, asset allocation, and year-end tax forms shouldn't feel like running a bank. Lend. handles mortgages, personal loans, and business sales (Form 8594 + §1245 recapture) — the way the people actually holding the notes need.
✓ From $15/mo✓ Mortgages, Personal Loans & Business Sales✓ ATH Móvil, Zelle & ACH detected automatically✓ Federal + PR, TX & FL state forms
lend.gsquarelabs.com/dashboard
Good morning,
María.
Outstanding Balance
$142,500
Monthly Payment
$1,247.50
Next Due
Apr 1
Recent Payments
Issued ToMethodTotalStatus
Ana L. Santiago V.Mar 1
ACH$1,247.50ConfirmedAna L. Santiago V.Feb 1
Zelle$1,247.50ConfirmedAna L. Santiago V.Jan 3
ACH$1,247.50LateBuilt for private lenders
5Payment methods detected automatically
60 daysFree trial — nothing charged until it ends
$0No hidden fees, no closing costs, no commissions
100%Principal vs. interest split, every payment, every month
Built for private lenders and business sellers in Puerto Rico — not banks, not institutions.
Why we built this
Lend. started when our founder's wife sold her father's apartment to her aunt in a seller-financed deal. With the mortgage deed came real responsibilities — tracking payments, calculating interest, filing 480.7A forms. He looked for a simple tool to manage it all. Nothing existed. So he built one.
That tool is Lend.
Why it existsYou're not a bank.
You're not a bank.
You shouldn't need one.
Private loans and seller-financed mortgages deserve proper tooling — not spreadsheets. Spreadsheets break. Accountants charge. Banks won't help. You made the loan yourself — you should be able to manage it yourself, too. Lend. gives private lenders and business sellers the infrastructure without the institution.
Without
- Spreadsheets & manual payment tracking
- Hiring an accountant for interest allocation
- No Hacienda PR or IRS reporting
- Manual receipts and spreadsheets
With
Automated loan payment tracking- Built-in interest/principal breakdown
- 480.7A and 1098 form generation — automatic
- Automated tracking & digital receipts
What it does
Seller financing payment tracking & tax compliance. One dashboard.
Seller-Financed Payment Tracking
Track payments against your amortization schedule automatically. Record partial payments, detect late payments, and see your remaining balance in real time.
Track ATH Movil, Zelle & ACH Payments
ATH Movil, PayPal, Zelle, ACH — all detected and matched automatically. Set up email forwarding and Lend. records payments as they arrive.
PDF Receipt Generation
Professional PDF receipts for every payment recorded — keep a clean paper trail for you and your borrower.
Generate 480.7A & 1098 Tax Forms
Generate Form 480.7A for Hacienda PR and Form 1098 for the IRS — automatically from your payment records. No CPA needed for form prep.
Self-Service Borrower Portal
Invite your borrower to view their amortization schedule, balance, and receipts — no phone calls needed. They can make payments directly via ACH.
Handle Extra Principal Payments
Borrowers can make additional principal payments at any time. Lend. recalculates the remaining balance and amortization schedule automatically.
Co-Lender Payment Distribution
Co-funded a mortgage with a partner or family member? Lend. automatically splits loan payments with co-lenders based on funded amount. Each co-lender gets their own portal to track distributions and payouts.
How it works
Loan payment tracking, set up in minutes.
- 01
Create your account
gSquare unified login — one account for all gSquare products.
- 02
Add your note
Mortgage? Enter property address and loan terms. Personal loan? Just the loan terms. Business sale? Add the asset allocation (or skip it if you're migrating an active note). Two minutes either way.
- 03
Invite your borrower
They get their own portal to view schedule, balance, and download receipts.
- 04
Let Lend. manage it
Payment tracking, receipts, tax forms for mortgages — all handled automatically.
New Tier — Business Sale
Sold your business with seller financing? We handle the §1060 paperwork.
For $200K-$5M asset-sale notes, we auto-generate Form 8594 (with a buyer reference copy so both filings match), Form 6252 with §1245 depreciation recapture, Form 1099-INT + PR Form 480.6A, and the FL Documentary Stamp statement where applicable. A CPA Package PDF auto-builds every January.
Everything you need
- Form 8594 asset allocation (Classes I-VII)
- Form 6252 + §1245 ordinary-income recapture
- Form 1099-INT + PR Form 480.6A
- CPA Package — auto-built each January
$200K-$5M · $30/mo first · $22/mo additional
Why Lend.
Compare your options. Choose clarity.
| Spreadsheets & DIY | Lend.Best value | |
|---|---|---|
| Amortization schedule | Manual formulas, error-prone | Auto-generated, always accurate |
| 480.7A / 1098 tax forms | Not possible | Included, instant PDF |
| Payment tracking | Manual entry, no alerts | Auto-detect ATH, Zelle, ACH |
| Borrower portal | None | Self-service portal included |
| Cost | Free but risky | From $15/mo |
New to seller financing? See how owner financing compares to a traditional mortgage →
Pricing
One price. Everything included.
Personal Loans
$15/mo first
$12/mo each additional
Loans between individuals
- Full amortization schedule
- Payment tracking & matching
- Year-end interest summary
- Borrower portal
- Extra principal payments
- Co-lender distribution
Mortgages
$20/mo first
$15/mo each additional
Seller-financed property sales
- Full amortization schedule
- Payment tracking & matching
- Form 480.7A & 1098 generation
- Form 6252 installment sale
- Borrower portal
- Extra principal payments
Business Sale
$30/mo first
$22/mo each additional
$200K–$5M deal sizes
- Form 8594 asset allocation
- Form 6252 + §1245 recapture
- Form 1099-INT + PR Form 480.6A
- FL doc stamp where applicable
- CPA Package PDF — auto-built each January
- Buyer reference copy
Tax form prep can cost $200-500 each. Lend. generates them instantly, included in your plan.
60-day free trial on your first loan. Cancel anytime.
Guides
Practical guides for private lenders
Seller Financing
Amortization Schedule in Seller Financing: A Guide for Private Lenders in Puerto Rico
How amortization schedules work in seller-financed deals: principal vs. interest splits, balloon payments, and how to track them without spreadsheets.
Seller FinancingWhat Is a Promissory Note in Seller Financing: A Guide for the Private Lender
What a promissory note is, what it should include in Puerto Rico, and how it relates to the sale contract and Forms 480.7A and 1098.
Seller FinancingHow to Vet a Buyer Before Offering Seller Financing
What to ask a buyer before financing your property sale: documents to request, red flags, and how to size the down payment to their risk profile.
Seller FinancingWhen a Seller-Financed Buyer Stops Paying | Lend.
What private lenders can do when a seller-financed buyer stops paying in Puerto Rico: cure notices, workout plans, and foreclosure steps.
Common Questions
Quick answers. No surprises.
What is Lend.?
A seller financing payment tracking and tax compliance tool for everyone holding seller-financed notes — property mortgages, personal loans, and business sales. Track payments, generate amortization schedules, and produce 480.7A, 1098, and 8594 tax forms — all from one dashboard. It is not a bank, not a lender, and not a loan originator.
Do I need to be a licensed lender?
No. Lend. is designed for individuals who have financed the sale of their own property (seller financing, also known as owner financing) or issued a personal loan. No license is required for these activities.
How are tax forms generated?
Based on the confirmed payments in your account, Lend. auto-calculates interest and principal splits and produces downloadable PDF forms (480.7A for Hacienda PR, 1098 for the IRS). SSN is never stored — you enter it at the moment of generation.
How much does it cost?
Mortgages: $20/mo first, $15/mo each additional. Personal Loans: $15/mo first, $12/mo additional. Business Sales: $30/mo first, $22/mo each additional. 60-day free trial on your first loan. Nothing is charged until the trial ends.
Can my borrower see their loan?
Yes. Each borrower gets their own portal to view their balance, payment history, and upcoming due dates. They can also make payments directly via ACH bank transfer.
How is Lend. different from ZimpleMoney or a spreadsheet?
Spreadsheets break when loans get complex — balloon payments, extra principal, late fees. ZimpleMoney is solid but doesn't generate 480.7A forms or support Puerto Rico tax compliance. Lend. is the only tool that combines payment tracking, borrower portal, ATH Movil detection, and both PR and federal tax forms — from $15/mo.