Set up in under 10 minutes.
From closing table to autopilot in four steps.
Upload your promissory note
Drag and drop your signed PDF. Our AI reads the document and extracts the loan terms — principal, interest rate, payment schedule, late fee terms, and more. You review and confirm every field before anything is saved.
Invite your borrower
Enter your borrower's email. They receive a secure invitation link, review the loan terms, confirm them with a timestamp, and connect their bank account via Plaid-powered ACH — all in minutes.
Payments run automatically
NoteCarry initiates ACH pulls on the due date. Your borrower gets reminders 7 and 3 days before. Late fees are applied automatically per your contract terms. You get notified of every payment.
Everything is tracked
Log in anytime to see real-time balances, payment history, full amortization schedules, and documents. Every January, 1098s are generated and emailed to your borrower automatically.