Borrower access
Borrowers sign and follow their balance on their phone or in a browser, with a free account.
LENDER● Emma Johnson
BORROWER● Michael Brown
NewFor lenders, co-ops, unions and employersYour loan office,
Your loan office,
without building a system.
Give every borrower a clear agreement you both sign, track each payment and let IOUEZ send the due-date reminders. Applications, loan products and portfolio reports are coming soon.
Free to start. No setup fees.
‹Agreement⋯
40%
Olivia owes you$1,260Rent share · 6 payments
✓ Aug 9$350.00
✓ Sep 9$350.00
Next · Oct 9$210.00
+ PaymentRemind
Organizations that lend, but can’t afford their own software
Small lenders
A signed agreement and a clear payment record for every borrower.
Co-ops & credit unions
Member loans with signatures and reminders. Savings and shares are on our roadmap.
Employers
Salary advances and staff loans, signed and tracked. Payroll reports are coming soon.
Landlords
Deposits and rent plans as signed IOUs, with overdue reminders.
What works now, and what we are building
Loan products
Flat or declining-balance interest, fees, grace periods and penalties.
Coming soonSchedules
Weekly, every-two-weeks or monthly installments with partial payments, on the web and Android.
Applications & approvals
Online application, officer review, manager approval, and every decision noted.
Coming soonReminders
Push and email the day before, on the due date and when a payment is late. SMS and WhatsApp are coming soon.
Portfolio reports
Outstanding, repaid, arrears ageing and portfolio at risk, with an Excel export and reminders to many borrowers at once.
Guarantors & collateral
Co-signers and collateral recorded with photos and value.
Coming soonField collection
Officers record cash offline and close the day per officer.
Coming soonRoles & branches
Owner, manager, loan officer and viewer, across branches.
Coming soonStart lending on IOUEZ today
- 1
Create a free account
Sign up on the web or in the Android app. No setup fees.
- 2
Add a borrower and the loan
Amount, currency, due date and optional interest. Set up installments in the Android app.
- 3
Sign and track it together
Your borrower signs with their own free account. Payments and reminders are tracked for both of you.
Plans for organizations
Start free today. Features marked “coming soon” are not available yet.
Organization
For lenders, co-ops and employers$49.00/month
Billed monthly
Start free trial- Everything in Pro, no ads
- Borrowers e-sign with a free account
- 5 staff seats (coming soon)
- Loan products and amortization schedules (coming soon)
- Portfolio and arrears report with Excel export
- Remind many borrowers at once
- Roles, audit log and bulk import (coming soon)
Organization Plus
Multi-branch lenders$199.00/month
Billed monthly
Start free trial- Everything in Organization
- 25 staff seats (coming soon)
- Branches and teams (coming soon)
- API and webhooks (coming soon)
- White-label with your domain (coming soon)
- Priority support
Enterprise
Banks and large institutionsCustom
Volume pricing and contracts
Talk to sales- Single sign-on (SSO) (coming soon)
- Custom data retention and SLA
- Security review pack
- Dedicated onboarding
You are responsible for the lending rules in your area; IOUEZ keeps a clear, signed record.