Peer-to-peer lending intelligence

LOAN LEDGER

A serious ledger for peer-to-peer lenders. Track every loan on your machine, then query the network for borrower warning signals before you lend. Your ledger stays local.

network focus:Borrower warning lookups

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How the network works for you

Step 1

Track your loans locally

The LoanLedger desktop app keeps your full ledger on your machine. Loans, repayments, balances, and borrower notes stay local — nothing leaves your device.

Step 2

Query borrower warning signals

Before adding a new loan, query the network for warning signals on any borrower. The lookup returns risk level, evidence count, and reason codes — no data from your ledger is sent to the network.

Step 3

Operator-curated intelligence

Signal data is curated by network operators — verified, deduplicated, and moderated before it influences any warning lookup. No unreviewed data reaches lenders.

Why this matters

Built for peer-to-peer lenders

You’re lending personal capital with no institutional safety net. LoanLedger gives you a disciplined ledger, borrower risk lookups when you need them, and optional network signals that get stronger as more lenders participate—without exposing your full book.

The problem

Borrower history trapped in chats or spreadsheets
Default signals arrive late, after capital is already lost
No shared intelligence means the same defaulters repeat

What we do

One clean ledger: loans, repayments, unresolved balances
Warning lookups: check borrower risk before you lend
Human-reviewed signals feeding shared warning lookups

The network effect

Warning signals grow stronger as the operator-curated dataset expands
Every signal is reviewed before it influences shared lookups
Spot repeat risk across the network — not only your own history