Before You Lend — If It Isn't Written, It Isn't A Loan.

— Get the app

Before You Lend is free, forever. Put it on your home screen like any app — no store, no account, no cost, and it works offline once it's yours. Keep it next to the kitchen table, where these loans get made.

On iPhone: tap Share, then "Add to Home Screen." · On Android: tap the menu (⋮), then "Install app" or "Add to Home screen." The mark lands on your phone, and the paper travels with you.

The Loan — Names, Numbers, And The Way Back

Fill in the loan the way it was agreed — out loud is not enough. The amount lent is never shown without the total to be repaid standing beside it. When every field is whole and both acknowledgments are checked, the sheet prints: the terms, the full repayment plan, the payment ledger, and a signature line for each of you. Print two copies — one for each hand that signs.

Lender — who is lending

Borrower — who is borrowing

Amount lent $

Interest % per year (0 is fine)

What the money is for

Start date — the day the money moves

The Way Back — How It Gets Repaid

Pick the shape of the repayment. Monthly interest is counted on the balance still owed, month by month, in whole cents. For a single repayment, interest is counted simply, day by day, from the start date to the day it is paid back.

A monthly payment The same amount every month until the loan is done. The first payment falls one month after the start date. One repayment, all at once The whole amount, plus any interest counted to that day, paid on one date.

Monthly payment $

The Understanding — Both Names, Both Boxes

The sheet does not print until both of these are checked. They are the whole point of the paper.

We both understand this is a loan, not a gift. We both hold a copy of this sheet.

The Ledger — Every Payment, Marked

As money comes back, mark it here — the date and the amount. The balance still owed counts down from the total to be repaid under this plan. The ledger prints with the sheet.

Paid back so far$0.00 ·Still owed—

LOAN SHEET

Before You Lend — the loan, in writing, before the money moves.

Lender —

Borrower —

What the money is for —

Start date —

Interest —

Amount lent: — · Total to be repaid: —

How it is repaid —

Interest, all in —

#	Date	Payment	Interest	Balance after

☐ We both understand this is a loan, not a gift.

☐ We both hold a copy of this sheet.

PAYMENTS MADE

Date	Payment	Still owed after

No payments marked yet.

LENDER — SIGNATURE

DATE

BORROWER — SIGNATURE

DATE

WITNESS — SIGNATURE (OPTIONAL)

DATE

IF IT ISN'T WRITTEN, IT ISN'T A LOAN.

A written record between the parties — not legal advice. For large amounts, a lawyer should read it before anyone signs.
Before You Lend · Through Life, Who's Got You? · Nothing typed into this tool is sent anywhere — both copies live on paper, one in each hand.