Private and hard money lending software that cuts the admin.
Applications, term sheets, closings, ACH payments and borrower and investor portals in one organized workflow. Less time on administration. More time building your lending business.
30 days free · No credit card required · From $249/month by active loansBuilt by a lender, run on it daily: Lending Desk services Brittco Capital’s loans every business day.
What is Lending Desk?
Lending Desk is software for private and hard money lenders who make business-purpose loans to real estate investors. It runs a loan from lead to payoff: applications, term sheets, closing documents, ACH payments, and portals where borrowers and investors check status.
- Who it is for
- Private and hard money lenders making business-purpose loans to real estate investors.
- How money moves
- Your company has its own payment account, so money moves directly between your bank account and your borrowers’ and investors’ accounts.
- Cost
- From $249 a month, by active loans. Every plan starts with a 30-day free trial, no credit card. A 15-minute demo is also available.
- Not for
- Consumer or owner-occupied mortgages.
Your week, simplified.
The tasks you already do, before and after Lending Desk.
Send a term sheet
Run a sizing spreadsheet, fill in a Word template, email it and wait for a signature.
Enter purchase, rehab and ARV. Send an e-signable term sheet.
Turn a lead into a loan
Re-type the borrower’s details into a spreadsheet, a closing checklist and the servicing file.
One record follows the deal from lead to payoff. Nothing gets re-keyed.
Close a loan
Email PDFs back and forth and re-type the borrower’s answers.
Send one secure closing link. Answers land in the loan file.
Collect monthly payments
Track who paid and chase late payers by hand.
ACH payments pull from the borrower’s account on the due date.
Answer “where’s my loan?” calls
Field calls and texts from borrowers and investors asking for status.
Borrowers and investors check status and payments in their own portals.
Fund a construction draw
Collect photos by text, email the inspector, wire funds and update the holdback.
Borrower requests the draw with photos in the portal. Approve it and fund by ACH.
Everything in Lending Desk
Start with the features most people open first, then see everything else below.
Instant term sheets and loan sizer
Enter purchase, rehab, ARV and borrower experience to get the maximum loan under your LTV, LTC and ARV caps, with rate and points, on an e-signable term sheet, so you win deals by answering first.
Borrower portal
Borrowers apply for new loans, keep one profile reused on every application, upload documents into folders per property, message you, and see payoff letters, statements and ACH history in one place.
E-sign closing applications and closing packet PDFs
The borrower signs the loan application, note and personal guaranty (spouse guarantor included) with a typed electronic signature recorded with time, IP and device. You get a deed of trust or mortgage, note and closing packet PDF zip ready for the title company.
ACH collections
Pull loan payments by ACH, one-time or recurring, after the borrower signs an online ACH authorization. Settlements post automatically, collections are never applied twice, and staff are alerted if a transfer fails.
Automated servicing
Automatic ACH on the due date, late fees, NSF handling, payoff letters, maturity and extension reminders, and 1098 / 1099-INT forms, so the monthly spreadsheet grind goes away.
Construction draw management
Borrowers request draws with photos in the portal, inspectors get a link, and you approve, fund by ACH and update the holdback automatically.
Investor portal and statements
Investors see money still in loans, this year's and all-time profit, annualized return and net after their own carry cost, and download PDF statements and loan spreadsheets.
All Lending Desk features
Origination and pipeline
- Instant term sheets and loan sizerEnter purchase, rehab, ARV and borrower experience to get the maximum loan under your LTV, LTC and ARV caps, with rate and points, on an e-signable term sheet, so you win deals by answering first.
- Borrower portalBorrowers apply for new loans, keep one profile reused on every application, upload documents into folders per property, message you, and see payoff letters, statements and ACH history in one place.
- Online loan applicationsSend a prefilled application link from a borrower, deal or loan. The borrower fills in the missing facts and signs electronically.
- Five-tab workspacePipeline, Loans, Investors, Money and Settings. Get deals in, decide, close, collect and pay investors in five screens.
- One record from lead to payoffA lead becomes an application, then a loan, then a paid-off loan, without retyping borrower data.
- Loan templatesStart from fix-and-flip, bridge and DSCR rental templates with terms, document checklists and fee schedules already set.
- Lead capture and rate sheetsTrack marketing leads by loan product and email a branded rate sheet PDF in one click.
- Transactional funding landing pageA public page takes same-week double-close funding requests with ID, A-B and B-C contracts and entity papers, plus fillable A-B and B-C contract templates.
- Deal-partner portalWholesalers, brokers and agents submit deals and track their status, with referral tracking and fee splits, so wholesalers become a free source of deals.
- Borrower Flip / BRRRR calculatorBorrowers check all-in cost against ARV and requested LTV before they apply, and can download the result as a PDF.
- Soft credit pullRun a consented soft credit pull from the application or the borrower file, which does not affect the borrower's score, with pull history on file.
- Underwriting memo and file completenessEach application gets a memo from your own lending guidelines and a list of what's missing. A person still makes the call.
- AI document intakeReads bank statements, appraisals, title commitments and insurance binders, fills the fields and flags gaps, so underwriting prep goes faster.
- Approve or deny with one recordReview borrower-submitted figures, approve or deny, and create the loan from the approved deal.
- Property snapshotPull estimated value and listing photos for the property on the loan.
- Borrower invites by email or textInvite borrowers and send welcome and complete-your-profile messages in bulk.
- Ask assistant for borrowers and staffBorrowers get answers drawn from your lending rules and their own file, and staff get a desk assistant. It cannot approve a loan or change one.
Closing
- E-sign closing applications and closing packet PDFsThe borrower signs the loan application, note and personal guaranty (spouse guarantor included) with a typed electronic signature recorded with time, IP and device. You get a deed of trust or mortgage, note and closing packet PDF zip ready for the title company.
- State document templatesTemplates by state and instrument (for example, a deed of trust or a mortgage) with merge fields and versioning, so each loan generates the right documents.
- Document generationGenerate the note, mortgage or deed of trust, guaranty and closing instructions from your templates, so you close without waiting on an attorney every time.
- Closing links and closing checklistSecure closing links for borrowers, a per-deal closing checklist, and staff alerts when a signed application comes back.
- Change document dates without re-signingUpdate closing dates and regenerate the deed and note while the signed application stays signed.
- Wire instructions on payoff lettersPayoff letters carry your company's wire instructions, so borrowers know exactly where to send funds.
- Document foldersPer-property document folders with drag-and-drop and bulk upload, zip download, and cleanup of misplaced or duplicate files.
Servicing and payments
- ACH collectionsPull loan payments by ACH, one-time or recurring, after the borrower signs an online ACH authorization. Settlements post automatically, collections are never applied twice, and staff are alerted if a transfer fails.
- Automated servicingAutomatic ACH on the due date, late fees, NSF handling, payoff letters, maturity and extension reminders, and 1098 / 1099-INT forms, so the monthly spreadsheet grind goes away.
- Construction draw managementBorrowers request draws with photos in the portal, inspectors get a link, and you approve, fund by ACH and update the holdback automatically.
- Flexible loan termsFix and flip, bridge, transactional, gap and custom loans, with interest rate or flat-fee pricing, extension options, late fees, call notice periods and due days.
- Amortization schedulesCreate a schedule from any loan, email it to the borrower, and download an editable spreadsheet.
- Payoff letters and payoff noticesGenerate, approve and send payoff letter PDFs, and log payoff notices when you call a loan.
- Monthly borrower statementsStatements are emailed automatically each month and filed in the borrower's portal.
- Single-page loan viewTerms, payment schedule, draws, documents, borrower messages and investor allocations on one page with a status bar.
- Owner dashboardCapital deployed, idle cash, yield, delinquency, maturities in the next 60 days and pipeline by stage on one screen.
- Loan-sale exportExport a loan tape in the format capital partners and loan buyers want, so you can sell loans and recycle capital.
Investor management
- Investor portal and statementsInvestors see money still in loans, this year's and all-time profit, annualized return and net after their own carry cost, and download PDF statements and loan spreadsheets.
- Investor waterfall and participationsFractional loan participations, automatic distributions by ACH, monthly PDF statements and 1099-INT, so you can raise private capital and keep it.
- Capital available to deploySee how much each investor has ready to lend, in one list.
- Funding sources and carry costInvestors record the accounts they fund from, including borrowed money such as a HELOC with its rate, and see their return after that cost.
- Returns calculatorInvestors model their flat and annualized return on a loan.
- Investor CRMAdd investors, send welcome and login emails, track participations per loan and capture feature requests from the portal.
- Profit-share trackingTrack a manager's or partner's share of each loan's realized profit and what's payable.
Accounting
- Lender accountingCash net income, collections from borrowers, payouts to investors, corporate P&L, a simple balance sheet and a loan-by-loan worksheet, with CSV export.
- QuickBooks Online syncKeep your lending books in step with QuickBooks Online.
Compliance and security
- Staff two-step sign-in (MFA)Authenticator-app codes with single-use recovery codes, and an admin switch to require it for all staff.
- Audit logEvery signed-in request is logged with who, when and what, viewable by super admins.
- Hardened sign-inHashed passwords, login rate limiting, CSRF protection, secure cookies, idle session timeout and self-service password reset for staff, investors and borrowers.
- Role-based staff accessStaff and super-admin roles. Super admins add, revoke and reset staff access.
- Protected documentsBorrowers see only their own files, and uploads can be stored in private, encrypted object storage.
- Signed webhooks and security headersPayment webhooks are signature-verified and fail closed, and the app sends strict browser security headers.
- Written Information Security ProgramBuilt for the FTC Safeguards Rule, with a privacy policy, terms of service and a data processing agreement for lenders.
- Reliable infrastructurePostgres with point-in-time recovery and nightly encrypted backups, health checks, a staging environment, error tracking, and deploys only after automated tests pass.
Platform
- Multi-company with database-level isolationEach lender's data is walled off from every other lender's at the database level.
- White-label brandingYour logo, colors, email sender name and custom domain. Borrower and investor portals show only your brand, with an optional "Powered by Lending Desk" footer.
- Your own payment accountEach lender gets its own payment account, so funds never mix with another lender's.
- Guided setupSet up company name, logo, colors, domain and bank account, and import your first loans from CSV.
- Data migrationBring loans over from LendingWise or spreadsheets.
- Reseller / partner accountsA parent account creates and brands lender accounts, so capital partners and coaching programs can resell Lending Desk to their networks.
- Plans by active loansPricing scales with active loans, not per user.
- Mobile-readyInstalls to the phone home screen as a web app for staff, borrowers and investors.
- Free trial30 days free. No card required.
Generated closing documents are working forms that a licensed attorney should review before recording. Lending Desk is for business-purpose loans, not consumer mortgages.
AI features answer from your own records and never approve a loan or change data on their own.
Lending Desk pricing
30 days free. No credit card. Cancel any time.
Starter
$249 /monthUp to 15 active loans · 1 user · pipeline and CRM, term sheets, borrower portal, ACH collections, 3 loan templates
Start free trialPro
$499 /monthUp to 50 active loans · 3 users · Starter plus investor portal and statements, draw management, deal-partner portal, your own domain
Start free trialFirm
$899 /monthUp to 150 active loans · unlimited users · Pro plus full white label, loan-sale export, AI document intake, QuickBooks sync, priority support
Start free trialAn active loan is any funded loan that is not yet paid off. $500 onboarding fee, waived when you pay annually (2 months free). Optional data migration from LendingWise or spreadsheets: $750.
Set up in three steps
Guided setup walks you through each step.
Add your company and brand
Name, logo, colors and your own web address.
Connect your bank account
Payments move by ACH, straight between your account and your borrowers’.
Import your loans
Upload a CSV of current loans, or let us migrate them for you.
Lending Desk questions
What is Lending Desk?
Lending Desk is software for private and hard money lenders who make business-purpose loans to real estate investors. It runs a loan from lead to payoff: applications, term sheets, closing documents, ACH payments, and portals where borrowers and investors check status.
Who is Lending Desk for?
Private and hard money lenders making business-purpose loans to real estate investors. If you buy, rehab, rent or sell property yourself, Deal Desk is the right product.
What counts as an active loan?
Any funded loan that is not yet paid off. Paid-off loans stay in your records but don’t count toward your plan.
Does borrower or investor money pass through you?
No. Your company has its own payment account, so money moves directly between your bank account and your borrowers’ and investors’ accounts.
Can it run under my company’s brand?
Yes. Borrower and investor portals show your logo, colors and web address.
Can you move my data from LendingWise or spreadsheets?
Yes. Import a CSV yourself, or we migrate it for you for $750.
Can I see Lending Desk before I commit?
Yes. Start a 30-day free trial with no credit card, or book a 15-minute demo.
Does it handle consumer or owner-occupied mortgages?
No. Lending Desk is built for business-purpose loans to real estate investors: fix-and-flip, bridge and DSCR rental loans.