Lend to family and friends with absolute clarity.
No fees. No spreadsheets. No awkward conversations.
Touchdown Loan Tracker is the loan-tracking app built for generous people who lend to the people they love — with draws on existing loans, variable interest rates, an automatic amortization schedule, and zero processing fees, ever.
Lending to family shouldn't be this hard.
Your son needs $30,000 to remodel a bathroom before the mold gets worse. Your friend has a real shot at launching a dumpster rental business but can't get the capital from a bank. Your 15-year-old grandson wants $1,000 to buy a mower and weed eater for his first lawn-mowing business.
You want to help. You want to do it right — with clear terms, an honest schedule, and a real record both sides can trust.
But every option breaks down. Spreadsheets work fine until the loan needs a draw or a rate change, and then the formulas fall apart. Loan-tracking apps charge a processing fee on every payment, quietly eating into the loan over the life of the term. And handing money over with a "pay me back when you can" turns your generosity into ambiguity — and ambiguity strains relationships fast.
We call it the Fuzzy Handshake — the well-meaning loan that turns gratitude into resentment, generosity into enabling, and family into awkward avoidance.
It doesn't have to be that way.
A loan tracker built the way family actually lends.
Touchdown Loan Tracker handles real-world family lending — with the flexibility of a line of credit and none of the cost of a payment processor. You send and receive money however you already do (Venmo, Zelle, check, cash, PayPal — anything), and the app keeps the schedule, the records, and the reminders clean for both sides.
No transaction fees. No setup fees. No surprises.
How it works.
- Register your free account. No credit card required.
- Send a loan offer. Enter the amount, term, interest rate, and due date.
- The borrower accepts, and the full amortization schedule generates automatically.
- Both parties confirm payments with one click as they happen — borrower marks sent, lender marks received.
- Watch your loans get paid back and your generosity compound.
What makes Touchdown different.
Draws on existing loans.
When your borrower needs more money, you don't start a new loan — you draw on the existing one, like a line of credit. The schedule recalculates automatically, the monthly payment stays the same, and the term extends. No other family loan tracker handles this.
Variable interest rates.
Family loans evolve. The lender can change the rate at any time, the borrower is notified by email, and the remaining schedule recalculates instantly. Past payments are never affected.
Tracking only — never payment processing.
Touchdown Loan Tracker doesn't move money, so there are no transaction fees on any payment, ever. Send and receive money however you want; we just keep the books straight.
Built by a son for his own dad.
Larry wanted to help a friend launch a dumpster rental business. The opportunity was real and the friend was capable, but the bank wouldn't loan him enough to buy bins and trucks. So Larry stepped in and made the loan himself.
A Google Sheet got the basics done. Then the business needed another $20,000 in equipment — not a brand-new loan, just an addition to the existing one, like drawing on a line of credit. The spreadsheet had no way to handle that.
Larry's son Reuben spent months looking for software that could. The few apps that came close all worked the same way — they handled the payment processing too, and charged a fee on every payment, which made them very expensive over the life of a long loan. Larry didn't want a payment processor. He just wanted clean, accurate tracking — the principal, the interest, the draws, the payments — without paying a fee every month for it.
So Reuben built it. Touchdown Loan Tracker is the result, and Larry still uses it for every loan he makes.
What changes when you use Touchdown.
You stop wondering who owes what. You stop rebuilding spreadsheet formulas every time a loan gets complicated. You stop hesitating to lend because the tracking is too much trouble.
Instead, you watch family and friends enjoy things they couldn't have done without your generosity — a remodeled bathroom, a new business, a first lawnmower. You read an email from a borrower telling you how well they're doing and what's next for them. You open the dashboard and see exactly who owes what, when payments are due, and which loans are paid off. And one day, you watch a borrower pay back what they owed and turn around to lend to the next generation themselves.
That's how generosity compounds.
Pricing.
Every loan can be exported to CSV at any time, with the full payment history and amortization schedule. Your records are always portable, and always yours.
Questions you might be asking.
Can't I just keep this on a Google Sheet?
Until you can't. Spreadsheets work fine for a fixed-amount loan with a fixed payment, but they break the moment you need to add a draw, change the interest rate, or handle extra payments correctly. Touchdown handles all of it automatically.
What if Touchdown shuts down before my loan is paid off?
Every loan can be exported to a CSV at any time, structured to import cleanly into other software. Your records belong to you.
Won't lending to family strain the relationship?
Clear terms strengthen relationships. The strain comes from ambiguity — unwritten amounts, vague payback expectations, forgetting who owes what. A real schedule and a real record turn the loan into a sign of respect, not a favor.
Do I have to mark every payment manually?
It takes less than a minute — open the email, click the link, mark the payment, done. The two-step confirmation creates a verified record both parties agreed to, which protects everyone.
Ready to lend with clarity?
Send your first loan offer in under five minutes. Free for one active loan, and a 90-day Pro trial if you want unlimited.