Owner financing software that runs your portfolio for you.
Lendiom is purpose-built for seller-financed deals. Set up a contract in minutes, collect payments online, and let automated reminders chase the late payments so you don't have to.
Everything a seller-financed contract needs
From the first down payment to the payoff letter.
Automated amortization schedules
Schedules are generated automatically when you create a loan, with three interest modes — standard, daily accrual, and interest-only — plus a printable schedule for your buyer.
Flexible payment terms
Weekly, biweekly, semimonthly, monthly, quarterly, semiannual, or annual payment schedules, with support for down payments (lump-sum or installments), setup fees, and escrow.
Online payments & auto-draft
Buyers pay by ACH or card through the Lendiom Pay portal — in English or Spanish — and can enable auto-draft so payments collect themselves.
Late fees that apply themselves
Configure tiered late fees — fixed or percentage, with minimum and maximum caps — and Lendiom applies them automatically when a payment is late. Waive or remove them with one click.
Automated communications
Upcoming-payment reminders, due-today notices, late notices, and payment receipts go out automatically by text and email. You can even send real physical mail, including certified letters.
Payoffs, refinances & defaults
Generate payoff quotes with a printable payoff statement, record payoffs, refinance or recast a loan, and track defaults through repossession — the full life of a contract.
Tax season, handled
Lendiom tracks interest per contract, generates 1098 forms for your buyers, and e-files them with the IRS directly from the app. Property taxes can be tracked per property and reimbursed through the same payment rails your buyers already use. When your accountant asks for numbers, run the installment income, transaction list, or journal entry reports — or schedule them to arrive by email every month.