debt.express helps individuals and small businesses formalize personal loans and leases with accurate interest, late fees, and a shared ledger both parties can see.
Free tier — track one loan, no credit card required.
Simple or compound interest, custom day-count conventions, configurable late fees, and grace periods — done correctly down to the penny.
Payer and payee each get their own login and see the same ledger. Disputes go away when everyone has the receipt.
We don't process payments. We just keep the books accurately. That's why we can charge a few dollars per loan instead of hundreds.
Beyond a spreadsheet
A spreadsheet is fine on day one. Then interest accrues, grace periods expire, late fees appear, payments arrive out of order, and someone asks why the balance changed. Debt Express keeps the history, math, and explanation together.
Terms are stored as structured rules instead of hidden spreadsheet cells, so the same agreement can be recalculated consistently later.
Interest, late fees, scheduled charges, software fees, payment reports, and confirmations are tracked as the ledger evolves.
Each balance comes with the entries and calculation path behind it, giving both parties a shared source of truth.
Invite the other party, record payments, and keep both sides looking at the same state.
Model interest, fees, schedules, waterfalls, day counts, and grace periods without rebuilding formulas.
Lenders, borrowers, and viewers can have different access while staying aligned on the ledger.
Turn structured terms and ledger history into copyable agreement language and records.
Portfolio and integration plans can connect Debt Express data to internal workflows and tools.
Built for real arrangements
Not every private debt fits the same template. Debt Express gives each agreement enough structure to capture the promise, the schedule, and the little rules that matter later.
Family and friends
A parent helps with a car repair, a sibling covers a deposit, or a friend fronts moving costs. Keep the payment plan clear without turning the relationship into a spreadsheet negotiation.
Fixed installments, no interest, optional grace period, shared payment history.
Bridge notes
Someone needs cash until a bonus, invoice, or property sale closes. Track interest separately from principal so payoff quotes do not become guesswork.
Interest-only schedule, maturity date, actual-day interest, payoff balance.
Leases and equipment
A small shop leases equipment, a contractor rents a trailer, or partners share software costs. Record recurring charges and late fees without pretending everything is principal and interest.
Fixed lease payments, scheduled fees, late-fee rules, attachments.
Small portfolios
A property manager, private lender, or small business may have multiple agreements moving at once. Keep each ledger separate while seeing the portfolio clearly.
Multiple active agreements, organization dashboard, exports, API access.
Lighter than loan servicing software
Full loan servicing platforms are built for institutions that collect payments, manage compliance workflows, staff operations teams, and service large books of loans. That power is real, but it is often far more than a private lender, family agreement, or small portfolio needs.
Payment rails, borrower portals, escrow workflows, compliance queues, implementation projects, and pricing that usually assumes a serious lending operation.
Structured terms, shared ledgers, interest and fee calculations, payment records, exports, and API access for people who need clarity more than infrastructure.
Use it for one loan or a small portfolio without taking on platform minimums, onboarding fees, or a servicing vendor relationship.
Create an agreement, invite the other party, and start tracking the ledger instead of planning a software implementation.
Debt Express does not move money. It keeps the calculations, history, terms, and explanations organized while payments happen outside the system.