Put Your
Money to Work.

Meet Receivables: active, performing payment streams from real businesses.

Businesses have customers paying them on a fixed schedule. Lendee lets you buy those payments below face value and collect them as they come in. The difference becomes the margin you earn.

  • Short-Term Contracts
  • Verified Performance
  • Real Business Backing
  • Steady Margins
Explore Live Contracts How It Works
Your payment stream Performing
$437.50 collected of $2,625.00 scheduled
General Dentist 12 of 15 payments are yours
2 of 12 received Oct 2026 – Sep 2027
Payment 5 received Credited to your Lendee Wallet · Nov 1
+$218.75
Dec 1, 2026 Payment 6Up next $218.75
Jan 1, 2027 Payment 7 $218.75
Feb 1, 2027 Payment 8 $218.75
7 more scheduled through Sep 2027
Still to come $2,187.50
Your margin +$455.58
Yearly pace 21%

Payment plans like these have been serviced and paid back for over a decade. You’re stepping into a
process that already works.

10+ years of servicing
120,000 contracts paid back
What Are You Actually Buying?

Receivables: A Defined Stream of Future Business Payments

A receivable is a legally committed payment contract. When a business finances a customer, the customer agrees to pay it back on a fixed schedule — with a set price, a set term, and a set amount. That agreement itself is the receivable.

Lendee lists that schedule below face value. You acquire part of that active business contract and receive the scheduled repayments over time. The difference between what you pay and what the schedule repays is your margin.

One contract, worked through Illustrative example
The 12 listed payments repay $2,625.00 12 × $218.75 · face value
−
You pay today $2,169.42 17.4% below face value
=
Your margin +$455.58 21% on what you put in · a 21% yearly pace

Judge the rate, not the dollars. Buy fewer payments and your money is back sooner at a lower rate. Buy more and it’s out longer at a higher rate. There’s no wrong answer.

3–5 payments · 17.7% yearly 6–9 · 19% All 12 · 21%
The customer agreed to 15 payments of $218.75 · 3 already paid to the business 12 payments listed on Lendee

Why would a business sell its payment plan?

  1. They offered it

    More customers say yes when they can pay over time.

  2. They already charge for the wait

    The plan price includes a charge for paying over time. That extra is where your margin comes from.

  3. They want the money now

    So they sell the customer’s payments on Lendee at a discount, instead of waiting months to collect them.

What Lendee Lists?

Vetted Contracts From Established Businesses

Every receivable on Lendee is checked before it’s listed. You see the full picture before you buy.

  1. 1

    The Contract Details

    What you’re buying — payment amounts, due dates, remaining term, and how much has already been paid.

  2. 2

    The Business Profile

    Where the contract comes from — the business, what it does, how long it’s been operating, and where it’s based. All verified by Lendee.

  3. 3

    The Customer Profile

    Who makes the payments — their Lendee Score and payment history, so you can see how consistently they’ve paid so far.

Live contract Performing
1
Contract 12 remaining payments of $218.75
Payment amount $218.75
Remaining term 12 months
Already paid $656.25
2 Business
GD
General Dentist Dental practice · Los Angeles, CA · 9+ years in business
Verified by Lendee License active Identity verified
3
Customer Lendee Score: 92 3 of 15 payments made · 100% on time so far
Payment history
Buy from $628.44 · up to $2,169.42 View contract
Everything You Need to Make a Decision.

See It All Before You Commit.

The numbers are laid out upfront, so you can understand the economics of a receivable before you buy.

What You Pay

The amount you pay to purchase the selected payment stream.

What You Get Back

The total amount scheduled to come back to you through the payments.

Your Margin

The difference between what you pay and what you’re scheduled to receive.

Payment Schedule

See how much you’ll receive, when each payment is due, and how many payments remain.

No calculations. No guesswork. Just clear numbers before you decide.

Choose How Much You Want to Participate

Buy the Whole Contract. Or Just a Few Payments.

Take the full remaining payment stream or select just a portion of it. With Partial Purchases, you can choose the number of payments that fits your preference.

Your purchase price, scheduled payback, margin, and yearly pace update as you adjust your selection. Judge the rate, not the dollars.
Partial purchase · 3 payments Oct 2026 – Dec 2026
Your payments · 3
$219 Oct
$219 Nov
$219 Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
3 / 12
What you get back $656.25
−
What you pay $628.44
=
Your margin +$27.81 4.4% over 3 months · 17.7% yearly
How It Works?

4 Easy Steps

See the full process
  1. 01

    Explore

    Browse live contracts and filter by Lendee Score, term, entry price, and remaining payments.

  2. 02

    Evaluate

    Review the Lendee Score, the business and customer details, and the payment history behind each contract.

  3. 03

    Purchase

    Complete the payment. The contract is assigned to you and tracked automatically.

  4. 04

    Receive

    Each repayment transfers into your Lendee Wallet on the contract’s timeline, with real-time visibility.

Start Exploring
You Never Chase Payments. The Servicer Does.

Servicing, Handled End-to-End.

Once you acquire a portion of a contract, the repayment process is fully managed on your behalf. If a payment is delayed or missed, the servicer steps in to handle follow-ups and keeps reporting to the credit bureaus until you are paid. No calls, no chasing, no coordination required from you.

  • Billing and reminders

  • Recovery management

  • Compliance oversight

  • Real-time tracking

What if the customer misses a payment? Life happens. Usually they just need a little more time.
Day 0 Payment not received
Day 1 Automatic retry
Day 3 The servicer contacts the customer directly
Day 7 Paid to your wallet
82% of late payments are back by day 7
You never chase it. The servicer collects on your behalf.

Your Money Can Do More Than Sit Still.

Put it to work through active business receivables. Choose your contract, choose your size, and know the numbers before you buy.

Explore Live Contracts

Questions

See all FAQs
Am I lending money?
No. You’re buying payments already committed under an existing business contract, at a price below what they repay.
Where does my margin come from?
The business accepted less than face value to get its cash sooner. That discount is your margin.
Do I get one lump sum?
No. Payments arrive on the contract’s own schedule, into your Lendee Wallet.
What’s the smallest amount I can start with?
You can start with as few as 3 payments from a contract rather than the whole thing — then scale with larger portions, or more contracts, later on.
What does the platform fee cost?
Lendee charges a 5% fee on the amount you pay for the payments you buy. You’ll see the exact amount at checkout, before you confirm, and it isn’t included when calculating your margin.

© Lendee App LLC. | All rights reserved.

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