Private lending software that drafts promissory notes, computes schedules, tracks payments, and keeps both parties on one ledger
Global CPaaS platform for SMS, WhatsApp, RCS, Voice and Email messaging
Stage
Startup
Established
Founded
2026
2010
Based in
US
AE
Pricing model
Freemium
Contact for pricing
Pricing
Free plan: $0, up to 2 open loans. Standard plan: $12 per month or $120 per year, unlimited open loans.
SMS pricing varies by destination, route and volume; pricing starts at €0.2750 per message for Afghanistan on Carrier Direct routes. WhatsApp, RCS and Voice pricing available upon request. Enterprise volume discounts available.
Key features
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
SMS messaging across 190+ countries with direct operator routes
WhatsApp Business API with templates and catalogs
OTP and 2FA verification with flash call support
RCS Business Messaging with rich cards and carousels
Programmable voice for alerts and TTS broadcasts
Marketing automation across multiple channels
Cloud PBX with IVR and routing
REST APIs and SDKs for multiple programming languages
Real-time delivery tracking and analytics dashboards
AI-powered chatbots with no-code automation flows
What makes it different
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
Direct operator connections rather than grey routes for faster delivery
24/7 Network Operations Center with real engineers monitoring traffic
Compliance handled as part of platform, not as add-on fee
All major messaging channels unified on single platform and API
99.95% platform uptime SLA with 2 billion messages processed annually
NoteHouse