Private lending software for real estate investors

Your loans.
Your terms.

UOME is the modern loan servicing platform for private lenders and owner finance sellers. Collect ACH payments, manage draws, generate 1098s — all under your own brand.

Start for free →Sign in
$79/month per loan · No setup fees · Cancel anytime
$79
per loan per month
10 min
to add your first loan
100%
white-labeled for your brand

Two products. One platform.

Whether you're carrying a note on a home sale or managing construction draws, UOME has you covered.

UOME Build

Construction & Renovation Loans

Manage draw requests, track commitment utilization, and convert to permanent financing when the renovation is complete.

  • Draw request approvals
  • Interest-only payments on drawn balance
  • Commitment utilization tracking
  • Convert to permanent loan
UOME Home

Owner Finance Home Loans

Collect monthly P&I payments via ACH, track amortization, and generate IRS Form 1098s automatically at year end.

  • Automatic ACH payment collection
  • Full amortization schedule
  • IRS Form 1098 generation
  • Branded borrower portal

Everything you need to run a private lending business

💳
ACH Payments
Borrowers pay directly from their bank account. Payments post automatically to your loan ledger.
🏷️
White Label
Your borrowers see your brand — your name, your colors, your portal. UOME stays invisible.
📄
Form 1098
Generate IRS Form 1098s automatically at year end. No accountant needed for interest statements.
🏗️
Draw Management
Borrowers submit draw requests. You approve or deny. Balances update automatically.
📱
Mobile App
Borrowers can add UOME to their home screen. Check balances and make payments from their phone.
🔒
Bank-Grade Security
Stripe handles all payment processing. Your borrowers' bank details are never stored on our servers.

Simple pricing

One price. No tiers. No setup fees.

$79
per loan per month
  • Unlimited ACH payments
  • Automatic 1098 generation
  • Draw management
  • White-label borrower portal
  • Mobile PWA
  • Payment history & activity log
  • Stripe-powered payment processing
Get started free →
First loan free. No credit card required.

Ready to run your lending business like a pro?

Add your first loan in 10 minutes. Your borrowers get a professional portal. You get peace of mind.

Start for free →