KL
KinLedger by LendPath · collective lending
KL

Unlock KinLedger

Enter your product key to activate this installation for one administrator.

Demo: KINLDG-DEMO-0001-ALPHA · Pack: KINLDG-PACK-0001-ONE … FOUR

← Back to LendPath · Lendee portal

Admin setup

This person controls KinLedger on this device. Recovery uses product key + SSN/DOB fragments.

Strength: —
    Lost password recovery requires product key + exact SSN/DOB fragments. Store them offline.

    Welcome back

    Enter your admin password to open KinLedger.

    Forgot password? Recover with product key

    Admin recovery

    Welcome to KinLedger

    We make the process of lending tracking easy. Admin:

    Active loans
    0
    In pipeline
    0
    Outstanding principal
    $0
    Paid off
    0

    Lending agreements

    Application → funding → committee decision → signatures → servicing.

    LoanBorrowerStageRequestedBalance

    Why collectives need yield

    Set up a loan

    Guided capture with identity lock after confirmation.

    1 · Loan name 2 · Lendee 3 · Created
    Name it so you’ll remember Examples: “John Doe credit card payoff” or “Jane Doe college tuition books”.
    Who is borrowingThe person responsible for repayment.
    Personal loans usually have one responsible party (like credit cards and joint cardholders). Add a cosigner only if your circle requires it.

    Loan

    Loan application (committee context)

    Capture request, disbursement preference, and judgment factors.

    Request

    If filled with a term, payment is priority — term will adjust so math holds.
    Used to suggest payment or solve term. Committee may set a different final rate.
    Payment calculator
    Press the green button below when the lendee did not provide a monthly payment (or to recompute).
    • Term only → computes monthly payment
    • Payment only → solves term
    • Payment + term → payment wins; term is recalculated

    Disbursement request

    Optional at application. You may enter payee / bank details now, or leave blank. After the committee decides where money goes, complete details become required before the lendee can sign. KinLedger does not support paper checks — ACH / electronic credit only (audit + fraud control).

    Capacity & rate rationale

    Sponsor & admin suggestions

    Funding commitments

    Record contributors. On vote day, declines remove dollars; others may increase amounts.

    Active pool: $0
    0%

      Disbursement requires: approved decision + all signatures complete.

      Committee decision

      Equal votes among admin + funders. Work the decision points in order.

      1. Approve or decline the loan
      2. Set approved amount
      3. Confirm how funds are disbursed (honor or adjust lendee request)
      4. Set term
      5. Set interest rate
      6. Review amortization, total interest, and 3% inflation breakeven

      Decision entry

      Defaults to the lendee’s requested term when available.
      At final decision, term + rate + amount drive the payment. It will be close to what the lendee requested, but can differ when the committee rate (or amount) changes.
      Application vs decision: On the application, payment can be priority (term adjusts to the math). On committee finalize, the opposite: you set the term; the system solves the monthly payment.

      Votes

      Loan status

      Track every milestone from application through disbursement.

      Decision packet

      Print to PDF from your browser (Save as PDF). Available to the circle for review and download.

      Signatures

      Approving funders + admin + lendee. Simple bank-style validation: legal name match + admin password / last-4 where applicable.

      Lendee portal code: — — share only with the borrower. No negotiation after decision.

      Admin signature

      Funder signature

      Lendee signs in the Lendee portal (top bar or license screen link).

      Loan detail

      History

      Lendee portal

      Enter the portal code from your administrator to review the decision and sign.