How It Works

From Live Receivables to Payments in Your Wallet

Lendee makes it simple to access and purchase existing business payment streams. Browse live contracts, understand the numbers, choose how much you want to participate, and servicing is handled for you from there.

  1. 01 Browse Live Receivables
  2. 02 Review the Details
  3. 03 Choose How Much You Want to Purchase
  4. 04 Purchase the Receivable
  5. 05 Servicing Is Handled for You
  6. 06 Receive Scheduled Payments
  7. 07 Put Your Capital Back to Work
01 — Browse Live Receivables

Find payment streams that fit you.

Explore active receivables from businesses across different industries. Filter contracts by Lendee Score, term, size, and other available criteria to narrow down the options that match your preferences.

All contracts Score Term Size Industry
GD
General Dentist Los Angeles, CA · 12 payments remaining
from $628.44
AR
Auto Repair Shop Phoenix, AZ · 6 payments remaining
from $412.50
VC
Veterinary Clinic Austin, TX · 9 payments remaining
from $684.00
The Business profile General Dentist · Los Angeles, CA 9+ years in business · License active · Verified by Lendee
The Customer profile Lendee Score: 92 3 of 15 payments made · 100% on time so far
The Contract details
Payment $218.75
Due 1st monthly
Remaining 12 payments
Already paid $656.25
02 — Review the Details

See what you’re buying before you commit.

Every receivable comes with the information you need to understand the contract and its payment history.

03 — Choose How Much You Want to Purchase

Take the full contract or start with a portion.

You don’t have to purchase the entire remaining payment stream.

As you adjust your selection, the purchase price, scheduled payback, margin, and payment timeline update with it.

Try the live example
Same contract 3 payments 7 payments All 12 What you pay $628.44 $1,378.47 $2,169.42 What you get back $656.25 $1,531.25 $2,625.00 Your margin +$27.81 +$152.78 +$455.58 Yearly pace 17.7% 19% 21% Timeline Oct – Dec 2026 Oct 2026 – Apr 2027 Oct 2026 – Sep 2027

Each payment repays $218.75. Pick any number from 3 to 12. Fewer payments: your money is back sooner at a lower rate. More payments: it’s out longer at a higher rate. A 5% Lendee fee is added at checkout.

9:41
ID: 4A0006 Guide
GD From General Dentist · Verified Los Angeles, CA · 9+ yrs in business
You pay $1,378.47
You collect $1,531.25
How many payments do you want?
7 Payments of 12 +$152.78 · 19% yearly
3 min12 max
Summary of Purchase
Base amount $1,378.47
Lendee fee (5%) $68.92
Amount you are paying $1,447.39
Purchase for $1,447.39 By tapping Purchase you agree to Lendee’s Terms & Conditions.
The purchase screen in the Lendee app · sample contract
Now yours 7 payments of this contract · General Dentist Your funds are now assigned to a verified contract. Payments will land in your wallet on the scheduled timeline.
Purchase price $1,378.47
Lendee fee (5%) $68.92
Scheduled payback $1,531.25
Your margin +$152.78
First payment Oct 1, 2026
04 — Purchase the Receivable

Choose your contract and complete your purchase.

Once you’ve reviewed the details and selected the portion you want, confirm your purchase.

Your selected payment stream is added to your active contracts.

05 — Servicing Is Handled for You

You purchase. The servicer manages what happens behind the scenes.

A servicer handles the ongoing servicing of the receivable.

You don’t need to manage the customer relationship or chase individual payments.

You Three things, once
  • Choose a receivable
  • Confirm your purchase
  • Watch payments arrive in your wallet
The servicer Everything behind the scenes, for the whole term
  • Billing
  • Payment reminders
  • Payment tracking
  • Customer communication
  • Follow-up on delayed payments
  • Recovery
  • Compliance oversight
  • Crediting your Lendee Wallet
Lendee Wallet $656.25 3 of 7 payments received · General Dentist
Received $656.25
Still outstanding $875.00
Coming next Jan 1 · $218.75
Oct · Nov · Dec received 4 scheduled through Apr 2027
06 — Receive Scheduled Payments

Your payments flow into your Lendee Wallet.

As the customer makes payments according to the contract schedule, your purchased share is credited to your Lendee Wallet.

You can track what’s been received, what’s still outstanding, and what’s coming next.

07 — Put Your Capital Back to Work

When funds come back, choose what’s next.

As payments become available in your wallet, you can explore other live receivables and decide where you want to put your capital to work next.

Available in your wallet $656.25
Transfer to bank Redeploy
Live receivables that fit
OP
Optometry Practice Seattle, WA · 8 payments remaining
from $498.40
PT
Physical Therapy Studio Denver, CO · 4 payments remaining
from $358.20

The Cycle

Browse Review Choose Purchase Receive Redeploy

Your capital moves through existing business payment streams, comes back with a margin through scheduled payments, and can be ready for its next receivable.

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
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