LendShark

The ledger never forgets. Neither should you.

Your buddy owes you $40 from the cookout. Sarah still has your impact wrench. You owe your mom for the concert tickets — and she knows.

LendShark is a loan shark's notebook for everyday life: a beautiful, slightly menacing little ledger that keeps the books on money and stuff between friends. Speak it or type it — "Bob owes me $50 due Friday" — and it's on the books.

Friendly reminders. Firm follow-ups. Receipts, always.

Get on the books iPhone beta via TestFlight — email us and we'll send an invite. The first entry's free. (They're all free.)
The Ledger Big Tony $50 due Friday · poker night Cousin Vinny $120 9 days past due · vig accruing Aunt Carol ladder has had it since March Lefty PAID squared up · we're even OUTSTANDING: $170 swipe to collect → Past due

How the operation works

Three steps. No paperwork. Well — only the fun kind.

1.Say it like you mean it — "Lefty borrowed my chainsaw, due in two weeks." Typed or spoken; the parser does the bookkeeping.ON THE BOOKS
2.The ledger watches the calendar. Due dates get 9 AM reminders; one tap opens a pre-written nudge text. Polite first. Then less so.THE NUDGE
3.They pay up — in full or in pieces. Swipe, stamp it PAID, and everybody stays friends. That's the whole racket.SQUARED UP

The toolkit

Everything a respectable neighborhood creditor needs.

🗣

Speak the debt

Voice entry that understands "Bob owes me twenty five bucks due next Friday" — names, amounts, spoken numbers, due dates.

📅

Collection calendar

Due-date reminders the morning of and the day before. Tap the notification, and a nudge text is already written for you.

💬

The nudge

Pre-composed reminder texts with escalating politeness, from "hey, just a heads up" to "the ledger remembers."

🔨

Items too

It's not always money. Track the drill, the ladder, the folding chairs — and who's had them since March.

🧮

The vig (optional)

A playful weekly-interest calculator for overdue balances. For dramatic effect. We are not a bank. Obviously.

📜

Receipts

Export the whole book as CSV or a handsome PDF statement when someone says "I don't remember that."

Confidential

The books stay private

Every entry lives on your phone and nowhere else. No accounts, no cloud, no analytics, no tracking — we couldn't read your ledger if we wanted to, and we don't want to. Data leaves your device only when you export or share it. A real loan shark would respect that.

Read the full privacy policy →

Questions from the back room

Is this a real lending app?

No. LendShark moves no money, makes no loans, and connects to no banks. It's a notebook with attitude — a tracker for the $40 your buddy owes you, played for laughs.

Does it send texts automatically?

Never. It writes the reminder text for you; you read it, you press send. You're the boss. We're just the bookkeeper.

What about the "interest"?

An optional, tongue-in-cheek weekly percentage you can put on overdue entries. It computes a number for dramatic effect. Whether you actually collect the vig is between you and your conscience.

Why does it ask for contacts / microphone?

Contacts (optional) autocomplete names and numbers for nudge texts. Microphone and speech (optional) power voice entry. Both are processed on-device and never leave your phone. Say no to either and the app works fine.

When can I get it?

It's in beta on TestFlight now. Email us and we'll put you on the list. App Store release to follow once the beta crew stops finding things.