Seller Financing & Loan Payment Tracking
Private lending, properly managed.
You seller-financed a property — or issued a personal loan. Tracking payments, interest, and year-end tax forms shouldn't feel like running a bank. Lend. is the seller financing payment tracking tool built for individual private lenders — not institutions.
Good morning,
María.
Outstanding Balance
$142,500
Monthly Payment
$1,247.50
Next Due
Apr 1
Recent Payments
2 min
Configure once, then let it run
Hands-off
Payments tracked automatically
100%
Puerto Rico–aware
1 tool
Everything you need
Trusted by private lenders
480.7A
Hacienda-ready tax forms generated instantly
60 days
Free trial — no credit card required
$0
No hidden fees, no closing costs, no commissions
5 min
Average time from signup to first loan tracked
Built for individual private lenders 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 exists
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 individual private lenders the infrastructure without the institution.
Spreadsheets & manual payment tracking
Automated loan payment tracking
Hiring an accountant for interest allocation
Built-in interest/principal breakdown
No Hacienda PR or IRS reporting
480.7A and 1098 form generation — automatic
Manual receipts and spreadsheets
Automated tracking & digital receipts
What it does
Full amortization schedule with interest/principal breakdown for every payment — for seller-financed mortgages (including balloon) and personal loans.
Track payments against your amortization schedule automatically. Record partial payments, detect late payments, and see your remaining balance in real time.
ATH Movil, PayPal, Zelle, ACH — all detected and matched automatically. Set up email forwarding and Lend. records payments as they arrive.
Professional PDF receipts for every payment recorded — keep a clean paper trail for you and your borrower.
Generate Form 480.7A for Hacienda PR and Form 1098 for the IRS — automatically from your payment records. No CPA needed for form prep.
Invite your borrower to view their amortization schedule, balance, and receipts — no phone calls needed. They can make payments directly via ACH.
Borrowers can make additional principal payments at any time. Lend. recalculates the remaining balance and amortization schedule automatically.
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
gSquare unified login — one account for all gSquare products.
Mortgage? Enter property address and loan terms. Personal loan? Just the loan terms. Two minutes either way.
They get their own portal to view schedule, balance, and download receipts.
Payment tracking, receipts, tax forms for mortgages — all handled automatically.
Automatic Amortization Schedule
Lend. generates your complete amortization schedule the moment you enter your loan terms — whether it's a seller-financed mortgage or a personal loan between family members. Interest and principal are broken down for every payment — including balloon support for mortgages. Borrowers can make additional principal payments at any time, and the schedule recalculates automatically.
Original Loan
$185,000
Interest Rate
6.00%
Loan Term
30 yrs
Outstanding Principal
$142,500
| # | Date | Payment | Principal | Interest | Balance | Status |
|---|---|---|---|---|---|---|
| 37 | Jan 1, 2026 | $1,247.50 | $534.00 | $713.50 | $141,966.00 | Confirmed |
| 38 | Feb 1, 2026 | $1,247.50 | $536.67 | $710.83 | $141,429.33 | Confirmed |
| 39 | Mar 1, 2026 | $1,247.50 | $539.35 | $708.15 | $140,889.98 | Confirmed |
| 40 | Apr 1, 2026 | $1,247.50 | $542.05 | $705.45 | $140,347.93 | Pending |
Issued By
María G.
Issued To
Ana L. Santiago V.
Property Address
456 Calle Luna, Ponce, PR 00717
Interest Paid
$8,452.18
Principal Paid
$6,517.82
Outstanding Principal
$135,982.18
Form 480.7A & 1098 Generation
As the lender, you're required to issue Form 480.7A (Hacienda PR) and Form 1098 (IRS) to your borrower so they can deduct the interest they paid. Lend. generates both automatically from your payment records — interest paid, principal paid, outstanding balance — formatted and ready to file. (Tax forms apply to mortgages only — personal loans are tracked without tax reporting.)
Borrower Portal
Invite your borrower to their own portal where they can view their remaining balance, upcoming payment schedule, and download receipts — without calling you. Transparency builds trust between private lenders and their borrowers.
Welcome back,
Ana L. Santiago V.
Outstanding Principal
$142,500
Next Payment
Apr 1 — $1,247.50
Property
456 Calle Luna, Ponce, PR 00717
Payment History
José A. Colón
Funded $60,000 · 40%
$498.96
CompletedLaura M. Torres
Funded $30,000 · 20%
$249.48
CompletedCo-Lender Distribution
If you co-funded a mortgage with a sibling, partner, or investor, Lend. can automatically distribute loan payments to each co-lender after every confirmed payment. Set up by funded amount or percentage. Co-lenders get their own portal to track what they're owed and what's been paid. Connect a bank account for automatic ACH deposits, or settle manually outside the platform.
Why Lend.
| 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 |
Pricing
Mortgages from $20/mo first · Personal loans from $15/mo first · Volume discounts on additional loans
Monthly subscription. 60-day free trial on your first loan.
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.
Common Questions
A personal loan management and seller financing software for individual private lenders. Track payments, generate amortization schedules, and produce 480.7A and 1098 tax forms — all from one dashboard. It is not a bank, not a lender, and not a loan originator.
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.
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.
ATH Movil, Zelle, ACH (direct bank transfer), PayPal, and Venmo. Set up automatic email forwarding and Lend. detects payments as they arrive. You can also record payments manually.
Mortgages: $20/mo for the first, $15/mo each additional. Personal Loans: $15/mo first, $12/mo additional. 60-day free trial on your first loan. No credit card required to start.
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.
Most loan servicing software is built for companies managing hundreds of loans. Lend. is built for the individual who seller-financed one or two properties. You get amortization, payment tracking, and tax forms without enterprise complexity or enterprise pricing.
If you received $600+ in mortgage interest, you may need to file Form 1098 with the IRS. In Puerto Rico, Form 480.7A is required for Hacienda. For installment sales, Form 6252 tracks gain recognition. Lend. generates all three automatically from your payment records.
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.
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