Private lending software that drafts promissory notes, computes schedules, tracks payments, and keeps both parties on one ledger
Stage
Not given
Startup
Founded
Not given
2026
Based in
US
US
Pricing model
Paid
Freemium
Pricing
3.9% + $0.50 per transaction, includes complete Merchant of Record service, global tax and compliance, billing and subscriptions, and agent-ready checkout
Free plan: $0, up to 2 open loans. Standard plan: $12 per month or $120 per year, unlimited open loans.
Key features
Payment links and hosted checkout with no integration required
Recurring subscriptions with weekly, monthly, or annual billing
Automated tax calculation and filing for sales tax, VAT, and GST
Merchant of Record compliance on every transaction
Direct bank payouts with no reconciliation required
AI agent checkout on same payment link
Compliant invoice and receipt generation
Per-transaction pricing with no monthly or setup fees
Promissory note generation from loan terms
Amortization schedule computation
Payment confirmation by both parties
E-signature with document hashing
Payment reminders before due dates
Bank debit collection on Standard plan
Loan modification and forgiveness agreements
Write-off record for unpaid loans
What makes it different
Only platform enabling AI agents and humans to purchase through the same payment link
Complete Merchant of Record service handling all tax compliance and payouts
Zero-integration payment link that works in websites, READMEs, and direct messages
Transparent per-transaction pricing with no hidden monthly fees
Append-only, hash-chained ledger that cannot be secretly altered
Never holds funds or acts as a financial institution
Legally-structured promissory notes with all required terms
Anyway
NoteHouse