Free for every note. Premium when you need us doing the work.
Unlimited storage, full borrower portal, and manual payment recording — always free. Premium unlocks active management: Stripe payments, escrow analysis, late letters, default workflow, 1098s.
Free
Default home for any seller-financed note
$0/month
- Unlimited notes
- No UPB cap
- Loan tracking and amortization schedules
- Manual payment recording
- Basic monthly statements
- Late-day tracking (counter)
- Borrower portal (always free)
- CSV / PDF data export
Premium
Active management when you need the platform to do work
$15/note/month
- Everything in Free, plus:
- Stripe payment processing
- Autopay / autorecording
- Escrow analysis (annual RESPA)
- Late letter / notice generation
- Default management workflow
- 1098 generation
- Wrap mortgage structures
- Non-standard mortgages (interest-only, balloon, ARM)
- Portfolio analytics and reporting
- Bulk note import (CSV)
- Priority support
Borrowers always use ServeYourNote for free. Borrower access never depends on the holder’s tier. This is a borrower-rights principle, not a feature decision.
Payment processing fee of 0.8% (capped at $5) applies when borrowers pay through the platform. Paid by borrower unless you choose to absorb it.
Feature Comparison
| Feature | Free | Premium |
|---|---|---|
| Notes stored | Unlimited | Unlimited |
| UPB cap | None | None |
| Loan tracking & amortization | ||
| Manual payment recording | ||
| Basic monthly statements | ||
| Late-day tracking (counter) | ||
| Borrower portal (read-only) | ||
| CSV / PDF data export | ||
| Stripe payment processing | — | |
| Autopay / autorecording | — | |
| Escrow analysis (annual RESPA) | — | |
| 1098 generation | — | |
| Late letter / notice generation | — | |
| Default management workflow | — | |
| Wrap mortgage structures | — | |
| Non-standard mortgages | — | |
| Portfolio analytics & reporting | — | |
| Bulk note import (CSV) | — | |
| Priority support | — |
Frequently Asked Questions
- What counts as a note?
- Each promissory note you service on the platform counts as one note. If you hold three seller-financed notes on three properties, that’s three notes.
- How do I upgrade from Free to Premium?
- You can upgrade at any time from your account settings. Your existing data carries over — no migration needed.
- How does billing work?
- Premium is billed monthly based on the number of active notes in your account. You can cancel anytime and retain access through the end of your billing period.
- What is the transaction fee?
- When borrowers make payments through the platform via Stripe, a 0.8% fee (capped at $5 per transaction) applies. This fee is paid by the borrower by default, but you can choose to absorb it in your account settings.
- What happens if I cancel?
- You keep Premium features through the end of your billing period. After that, your account moves to the Free tier — all your notes stay visible and editable for manual payment recording. We never hide loans behind the paywall. Stripe payment processing pauses, autopay enrollments pause (not cancelled — re-upgrade resumes them), and Premium features pause until you re-upgrade.
- What happens to my data if I leave or stop paying?
- Your loan information stays in ServeYourNote until you delete it. If your account goes dormant for years, we will warn you before archiving — and even archived data can be restored. We guarantee storage. Once you stop actively maintaining a loan, we cannot guarantee that the projections, balances, or status flags continue to reflect reality.
Questions?
Tell us about your portfolio and we'll help you find the right plan.
Or email us directly at support@serveyournote.com
ServeYourNote is a technology platform, not a loan servicer, lender, or financial institution. Not legal, tax, or financial advice. Consult qualified professionals.