Create a clear loan agreement in under 2 minutes.
Accorda turns informal agreements into documented, trackable loans — without handling money, accessing bank accounts, or charging borrowers. Here's exactly how it works.
Free to start. No credit card required.
Create a professional loan offer
Enter the principal, APR, payment frequency, and term length. Accorda auto-calculates the full amortization schedule, monthly payment amounts, and total interest — then formats everything into a clean agreement.
- Set principal, APR, frequency, and term
- Auto-generated amortization or interest-only schedule
- Add optional notes, collateral, and late fee terms
- Review everything before sending
Borrower reviews and accepts
Once you send the offer, the borrower gets a clear view of the terms, payment schedule, and due dates. They can review everything and accept or decline — no back-and-forth texts needed.
- Borrower sees exact terms, APR, and schedule
- One-click accept or decline
- Both sides reference the same agreement
- No app download required for borrowers
The borrower portal is optional and always free for borrowers.
Track payments and manage your portfolio
Once the loan is active, your dashboard becomes your command center. See who's paid, who's late, and what's coming due — across every loan.
- Record payments as they arrive (any payment app)
- See per-loan progress: 5 of 12 payments made
- KPIs: active loans, interest earned, payments collected
- Late loan alerts with days past due
- Works with Venmo, Zelle, Cash App, wire, cash
Stay aligned with a single source of truth
Every loan has its own detail page: funding status, repayment schedule, balances, payment history, and the agreement itself. Both sides always know where things stand.
- Complete loan summary with principal and interest breakdown
- Live repayment schedule with due dates and amounts
- Full timeline of actions (sent, accepted, funded, payments)
- Generate a PDF agreement anytime
- Status lifecycle: Sent → Accepted → Active → Paid
Ready to create your first loan?
Set up your account and send a professional loan offer in under 2 minutes. Free for loans under $500.
The borrower portal: clarity that pays off.
You choose whether to give each borrower portal access. When they can see their loan terms, payment schedule, and what's been paid, they take it more seriously. No app download. No sign-up hassle.
- You control who gets portal access — per loan
- Borrower sees terms, schedule, and payment history
- Professional experience builds trust and accountability
- Eliminates "I forgot" and "what was the amount?"
What Accorda handles for you
You focus on lending. Accorda handles the logistics.
- Documents loan terms into a formal agreement
- Generates full payment schedules with due dates
- Tracks repayment status over the life of the loan
- Provides a shared source of truth for both sides
- Gives borrowers an optional portal to stay informed
- Keeps communication neutral and professional
- —Move, hold, or process money
- —Access bank accounts or financial data
- —Perform credit checks or underwriting
- —Charge borrowers any fees
- —Act as a collections agency
- —Replace legal counsel for large or complex loans
Accorda tracks payment status — it does not process payments. Borrowers pay you directly through whatever app you already use (Venmo, Zelle, Cash App, bank transfer, cash). When a payment comes in, you mark it as received in Accorda and both sides see the updated balance.
Ready to try it?
Create your first loan offer in minutes. Free for loans under $500 — no credit card required.