Lend Mate

LendMate makes it simple to track money lent or borrowed between friends and family — with proper records, interest calculations, and payment tracking with proof uploads. Stop relying on messy WhatsApp messages and manual memory. LendMate keeps everything organized so both parties stay on the exact same page, preserving relationships and building financial trust. 📊 DASHBOARD & OVERVIEW • One-glance dashboard showing what you've lent, borrowed, and your net position. • Complete dark and light theme support for comfortable viewing anytime. 💰 CREATE LOANS — 3 INTEREST TYPES Customize your loans to match any personal agreement with three local interest calculation models: • Reducing Balance: Interest is calculated on the outstanding principal each month (the most common standard). • Flat Rate: Fixed interest applied to the original principal throughout the entire loan tenure. • Interest Only: Pay only the interest monthly, with the flexibility to repay the principal at any time. 📆 EMI SCHEDULES & PREVIEWS • Auto-generate complete amortization schedules detailing the principal and interest breakdown per EMI. • View a live EMI preview to adjust amounts and tenures before final creation. • Stay ahead of debts with overdue detection and visual alerts for late payments. • Support for irregular, partial, and final EMI handling. 💸 EASY PAYMENT RECORDING & PROOF • Settle EMIs using any external UPI payment handler (such as GPay, PhonePe, Paytm, or BHIM) and record them in-app. • Securely upload payment proof screenshots so lenders can quickly verify and approve the transactions. • Record cash or offline transactions manually with ease. • Make extra payments above the regular EMI with automatic schedule recalculation. • Close a loan fully with a single tap, subject to mutual lender approval for maximum accountability. 👥 SEAMLESS BORROWER MANAGEMENT • Search registered users instantly by name or phone. • Directly import and pick borrowers from your phone contacts. • Invite unregistered borrowers using a customized WhatsApp or SMS deep link; they will auto-join your loan as soon as they sign up. 📈 ANALYTICS & DEEP INSIGHTS • Interactive charts showing monthly cash flow (lent vs. borrowed over time). • Visual payment timeline charts and loan distribution summaries (active, closed, pending). • Track earned, projected, and payable interest at a glance. • Access detailed lender insights such as interest accrued, projected returns, and average rates. 🔔 SMART NOTIFICATIONS & REMINDERS • Real-time push notifications for payment confirmations, approvals, and loan requests. • Send friendly, prompt payment reminders directly from the lender's screen. • Review your notification history with one-tap navigation directly to the loan details. 📄 PDF STATEMENTS & REPORTS • Generate and share comprehensive loan statements in PDF format, including full payment histories and complete EMI schedules. 🔐 PRIVACY & SECURITY • Secure authentication via Email/Password or fast Google Sign-In. • Powered by a Supabase backend with strict Row-Level Security (RLS)—only you can view your personal loan data. • Direct account deletion and password recovery via OTP. 🎯 IDEAL FOR: • Lending money to friends, family, and colleagues. • Keeping informal, hand-to-hand loans completely organized with a digital paper trail. • Managing peer-to-peer lending with known, trusted connections. • Visualizing personal lending cash flows and outstanding balances.