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Groundwork

For private and hard-money lenders

Originate it, service it, and account to your investors — without leaving the loan file.

Groundwork runs the whole life of a private loan: the pipeline and the application, the ledger the day after it funds, the investors behind it, and a portal your borrower will actually use. One system, one set of numbers.

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14-day free trial · no card

The problem

There is a spreadsheet beside every tool.

The origination system stops the day the loan funds. The servicing lives in a workbook one person understands. The investor statements get rebuilt by hand on the first of the month, out of both.

Those are the same loan, described three times, and by the end of a quarter they disagree. Somebody then spends a Friday deciding which of the three is right.

Groundwork is the version where there is one of them.

What you get

Six parts, and every one of them is finished.

Not modules to be enabled later. This is what is in the product today, on the plan below.

  • Origination

    Lead to funded, on one file — pipeline, application, conditions, underwriting, signatures.

    What that means

  • Servicing

    The ledger after funding: payments, payoffs that show their work, reminders, year-end figures.

    What that means

  • Investors

    Whose money funded this — participations, opportunities, statements, one login per investor.

    What that means

  • Borrower portal

    Your name, your logo, your colour — one loan at a time, and it works on a phone.

    What that means

  • Messaging, documents and e-sign

    One thread per loan, one place for the paperwork, signatures included at no extra cost.

    What that means

  • Migration

    Bring the book you already have — loans mid-draw, balances, contacts and all.

    What that means

Trust

Money math proven twice.

A servicing balance is not a feature you demo. It is a number somebody is going to be paid on, so it is computed two ways and shipped only when both agree.

  • Two engines, one answer

    Interest is computed twice, by two programs that share no arithmetic code and were written against one contract. A balance ships only when both agree to the penny.

  • Hand-computed test vectors

    The cases underneath that contract were worked out by hand — leap years, mid-period rate changes, partial payments, payoff on the day of a draw — and the product is held to them on every change.

  • Every figure shows its work

    A payoff quote is not a total. It is the periods, the rates, the days, the fees and the credits that produced the total, in a form you can hand to a title company.

Sensitive fields — tax identifiers, bank details, vendor credentials — are encrypted at the field level rather than only at the disk, so they are unreadable in the database itself. Two-factor authentication, per-file visibility rules and a complete audit trail are part of the product. We are hosted on SOC 2-certified infrastructure.

Credit

Pulls run on your account, not ours.

Run soft pulls with your own credit vendor account — consent captured in the portal and stored on the file, so the authorisation and the report live with the loan they belong to.

The bureaus bill you at your own rates. We do not resell credit and we do not mark it up. Everything else here works without a credit connection, so you can be live long before yours is approved.

Pricing

$89.99

/ lender seat / month

  • Every module. No tiers, no add-ons, no setup fee.
  • Unlimited borrowers, investors and accountants — they are never billed.
  • E-signature included, with no per-envelope charge.
  • Month to month, cancelled by you, from your own screen.

14-day free trial · no card

See what is included

Before you ask

The three we are asked most.

What happens when the free trial ends?
Your workspace becomes read-only. Nothing is deleted: everyone can still sign in, read every file, and export everything. An owner subscribes under Settings → Billing and the workspace picks up exactly where it was. Your borrowers and investors keep their portals throughout, and anything arriving from outside — an application, a signed document, a portal message — still arrives.
Do you move money?
No. We track payments — we never move money. Funding requests, payoff quotes and distribution figures are produced here; the wire is sent by your people through your bank, exactly as it is today.
Can I get my data out?
At any time, including while your workspace is read-only. An owner or administrator requests an export and receives a ZIP holding a spreadsheet for every part of the product — loans, the servicing ledger, payments, payoffs, draws, budgets, investors, participations, statements, contacts, the audit trail — plus every stored document. Column headings are the database’s own names, so nothing is lost in translation.
All the questions we are asked →

Start with your next loan.

Create the workspace, invite your team, and run one file end to end. If it is not better than what you do today, you have spent nothing.

Start free trial

14-day free trial · no card