Make LendingWise the system of record for investor capital. Track who put money in, which loans that money went into, what interest it earned and what was paid back out. No spreadsheets, no separate back office.
If you lend other people’s money, whether a pooled fund, a handful of direct investors, a credit line or your own balance sheet alongside them, every step is tracked in one place.
The fund structure is the first choice you make, and it shapes how ownership is measured, what happens when loans pay off and how investors exit.
| Topic | Evergreen (open-end) | Closed-End (vintage) |
|---|---|---|
| Life | Perpetual: investors come and go | Fixed term, then wind-down |
| Ownership is measured in | Units priced at NAV per unit | Dollars (capital accounts) |
| Money comes in via | Subscriptions: cash buys units at the current NAV price | Commitments, then contributions (capital calls) |
| When a loan pays off | Principal recycles into fund cash for the next loan | Principal can be returned to investors (return-of-capital run) |
| Investors exit via | Redemption requests (notice period, lock-up, gate) | Return-of-capital distributions as the fund winds down |
| Headline metrics | NAV per unit, units outstanding, AUM | DPI and TVPI (cash-on-cash multiples) |
Built on a Ledger
Everything runs on an immutable double-entry ledger, the same accounting discipline as our loan servicing. Every dollar movement is a permanent journal entry, and balances are always derived from those entries, never typed in.
Fund Management is built on top of our loan servicing. The servicing ledger records what happened on the loan, and the fund ledger mirrors the investor side of the same events.
Split a loan’s funded principal across one or more capital sources, a fund, a direct investor, your balance sheet or an external credit line, with an optional per-source rate. A reconcile badge shows green when allocations equal funded principal to the cent.
A rehab holdback counts toward the allocation but stays in fund cash until each construction draw disburses, and that’s when it deploys. The loan shows what’s committed but not yet deployed.
Borrower interest is recognized daily and projected onto each capital source as accrued income, then converts to realized income when the borrower pays. Reversed payments back out automatically.
Contributions, bank interest, fees, distributions, NAV strikes, redemptions, subscriptions and accreditation review all sit on the fund you have selected.
Switch between funds from one Command Center: status pills across the top, an action rail that hides actions your fund type can’t use, and Overview, Operations, Cash Flow, Deployments and Integrity views.
Invite-only, read-only self-service. Investors see only their own positions: capital balance, ownership, units & NAV or committed & called with DPI/TVPI, YTD earnings, transactions and statements (HTML, CSV, PDF). Shared documents and annual tax packages (a K-1 or 1099-INT informational summary built from the ledger) are in their Documents tab.
Give each fund a public offering page, a full public teaser (506(c)) or a generic landing page (506(b)), with deeper tabs gated until an investor signs in. Investors complete accreditation in the portal, then subscribe or set a commitment for you to approve and fund.
Your fund, your loans, their draws and their servicing all share one set of books.
Let us show you how our end-to-end system can transform your lending operations:
Book Demo