Service owner-finance notes, fix-and-flip loans, and construction draws from one branded platform. Collect by ACH, manage draws, generate 1098s, and watch your capital work.
No subscription · No setup fees · No card required
No migration project, no onboarding calls. Add a loan, hand your borrower a portal, and let the payments run themselves.
Enter the terms — or bulk-import your whole book from an Excel template. Historical totals carry over, so your dashboard is right from day one.
Your borrower connects their bank in a portal that carries your name and logo. Each payment posts to the ledger automatically — no checks, no chasing.
See what's deployed, what's available, and what's returning in the next 90 days. Approve draws, track paydown, and print 1098s at year-end.
Owner finance, fix & flip, new construction — run all three side by side without falling back into a spreadsheet.
Total capital deployed across every note and hard-money loan, what's free to lend, and what's returning in 90 days — at a glance.
Carry the note when you sell. UOME amortizes it, pulls monthly P&I by ACH, tracks paydown, and prints a 1098 at year-end.
Set a commitment, fund at closing, then approve or deny rehab draws with photo proof. Holdback and drawn balance update on every decision.
Build a multi-phase draw schedule. Borrowers request draws with site photos; you release funds against milestones.
Your borrowers see your company name, colors, and logo on every statement and email. UOME stays invisible.
Borrowers pay monthly notes straight from their bank. Add the portal to their home screen for one-tap access from any phone.
Moving borrower payments is the part you can’t get wrong. So we don’t hold any of it — the rails are run by the same companies banks and Fortune 500s rely on.
Bank credentials never reach us. Stripe holds and moves the funds; payouts land in your connected account.
Sign-in, sessions, and access control are managed by a dedicated identity provider — not homegrown.
Closing docs and draw photos are stored encrypted, isolated per lender with row-level security.
Close your account and your records are retained 90 days to export. Your Stripe payouts are never touched.
We earn when you do — 0.5% per borrower ACH payment, and nothing else.
Everything you need to run private loans
+ 0.5% per ACH payment from your borrower
Add your first loanDon’t see yours? Email hello@uomelending.com.
UOME services Owner Finance loans, Acquisition + Renovation loans, and new Construction loans. You can run all three side by side under one account.
UOME is software, not a license. Whether a lender's license is required depends on your state and the type of loan you're making — consult a real estate attorney before originating.
Borrowers connect their bank account through Stripe ACH and pay from a portal you control. Each payment posts to the loan ledger automatically — no manual reconciliation.
Your borrowers see your company name, your colors, and your logo on the portal, statements, and emails. UOME stays invisible the whole way through.
On a construction or fix-and-flip loan, the borrower submits a draw request from their portal — amount, description of work, and photos. You review on the loan detail page and approve or deny in one click; the drawn balance updates instantly.
Yes. Download our Excel template, fill in your existing loans (including total collected to date), and bulk-import them in seconds. Historical totals are preserved so your dashboard is accurate from day one.
One click. From the loan detail page, hit "Generate 1098" — UOME prepares a tax-year PDF using the interest collected and borrower information already on file.
We take a 0.5% platform fee on each ACH payment your borrower makes through Stripe. So a $1,500 monthly payment costs you $7.50. No subscription, no setup fees, no per-loan charges — we only earn when a borrower pays you.
Your loan and payment data is retained for 90 days so you have time to export it. After that it's permanently deleted. Stripe holds your funds in your connected bank — closing your UOME account doesn't touch your Stripe payouts.
Yes — even across different lenders. When a borrower signs into the portal, they're shown a loan picker and can switch between loans without signing out.
Stop tracking private notes in a spreadsheet. Onboard your first loan in ten minutes and start collecting by ACH.
Add your first loan