Loan Tracker vs VC Online

Track who owes what—from everyday IOUs and family reimbursements to separate loans with flexible repayment plans. YouOweMe is a loan and IOU tracker for iPhone and iPad. Record money you lent, borrowed, paid, or received. Each person has a running balance and history, including partial repayments. Set yourself a follow-up reminder when needed. Covering groceries or bills for a parent? Keep track of what you paid, what came back, and what is still owed. Manage the record yourself and share a clear statement your relative can open without installing the app. LOANS & FLEXIBLE REPAYMENT PLANS Keep each loan separate, with its own name, balance, payment history, interest terms, due date, and status. It still counts toward your total balance with that person. Start a new loan or add one already underway using its current balance. Add a repayment plan only when you need one: • Compare lower-payment, balanced, and faster-payoff options • Plan around a payment amount, payoff date, or number of installments • Choose weekly, every two weeks, or monthly payments • Use no additional interest, a fixed total interest amount, or annual interest on the remaining principal • See the full schedule, next payment, projected payoff, and whether you are on track, ahead, or overdue The plan follows real payments. Record a partial, full, early, or extra payment and YouOweMe updates the balance, schedule, projected payoff, and next reminder. Add more money or correct an entry later, and the plan recalculates without erasing the history. BRING YOUR EXISTING LOAN HISTORY Import a copy of one loan's history from text, a photo, CSV, Excel (.xlsx), or Word (.docx). Review and correct the details before saving, then record later repayments in the same loan. CLEAR STATEMENTS & SHARING Create PDF statements from your records, or share a focused loan summary with the balance, payments, interest, due date, and optional plan details. Add your logo or payment information when needed. Share an always-current Live Link that opens in a browser, with no app required to view it. For a person's running balance, invite them to report a payment in the browser. You review each report and choose to record it, match an existing entry, or decline it. Reports never change the balance automatically. Separate loan links are view-only. When both people use YouOweMe, Balance Sync can keep supported balance entries aligned. REMINDERS & FOLLOW-UPS Set reminders for due dates, bills, balances, follow-ups, or a repayment plan. Plan reminders follow the next unpaid installment and update after payments. Record a payment directly from a reminder. Money Conversations helps draft a respectful follow-up, loan request, or repayment update from your balance and history. You choose what to send. Smart Money Check-Ins highlight when action may be useful. FOR EVERYDAY MONEY RECORDS • Partial repayments, settlements, and recurring entries • Equal or custom splits and Group Paybacks • Receipt and photo attachments, PDF statements, and CSV export • Relationship Timeline and Balance Replay • Multi-currency tracking and Voice-to-Entry • Spaces for personal, family, and work records • Face ID / Touch ID lock and optional cloud sync • Local records work offline; no mandatory sign-up to get started Start free within the included limits. Optional subscriptions and a lifetime upgrade are available. Spaces cloud storage is a separate one-time purchase; see current options in the app. Helping people keep shared money clear since 2016. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Vincent Capital is making property development financing simpler by streamlining the whole process – saving you time, paperwork and emails. With VC Online, you can manage it all yourself, from your phone. Our app makes the application faster, walking you through each step and enabling easy upload of plans and documents. It speeds up things at our end too. When the loan is approved and construction started, you use the app to manage your monthly drawdown, update information, review progress and chat to your Vincent Capital Lending Manager. It even notifies when there’s something you need to do to keep everything on track. Easy to use VC Online is intuitive and easy to use. It brings every part of the application and loan management process together on your phone. It prompts you to upload things like plans and consents. It automates AML checks. It shows you real-time balances. It tracks loan conditions, and notifies you about key dates. Quick and convenient VC Online speeds up the all-important approval process, for you and for us. It eliminates back-and-forth emails and follow-up phone calls. Once you’ve uploaded the required documentation to the app, you’ll get a quick turnaround at our end. Better support The app keeps you in direct contact with our Lending Managers, who are there when you need them to help keep things on track so you can deliver a successful project. It enables them to reach out when they need to, and for you to chat with them when you want, conveniently keeping all the online chats in one place. Secure information Confidentiality is essential for us and for you. Your information is stored securely and your identity remains private. Who is this designed for? VC Online is designed for builders and developers borrowing NZ$300,000–$100,000,000 for property developments in New Zealand, looking for a better, faster and easier financing experience. Streamlining the borrowing process VC Online makes the entire process of funding your development easier, by bringing everything into one handy app on your phone that allows you to streamline and manage things from wherever you are. - The whole borrowing cycle managed on one app - Applications are easier, turnaround faster - Monthly drawdown is simplified - Easy uploads of documents and photos - Loan conditions tracker and timely notifications - Able to manage multiple project borrowing - Real-time overview of balances and progress - Live chat with your Lending Manager - Secure data