Open it anywhere
Service your book from a laptop, tablet, or phone — at the office, at a closing, or on the road. There's nothing to install and nothing to keep updated.
Compare · NoteHarbor vs Moneylender Pro
Built for the cloud era,
and switching is the easy part.
Moneylender Pro is loan-servicing software you install on a Windows PC. NoteHarbor is servicing software you open in a browser — so your book, your team, and your borrowers aren't tied to one machine in one office.
Penny-accurate amortization and waterfall, RESPA escrow, 1098 & Metro 2, and a borrower portal — with a guided import that brings your existing book along.
No credit card to start · The full product, not a demo
Desktop program
Installed on one PC
Your book lives on the machine it was installed on, at the desk it sits on.
NoteHarbor · in the cloud
One live book, any device
The same up-to-date ledger from a laptop, tablet, or phone — wherever you are.
- Laptop
- Tablet
- Phone
Why note holders move to the cloud
The same book, wherever the work happens.
Everything below is a real NoteHarbor capability — no desktop install, no single machine, no separate spreadsheets to stitch together.
Put your whole team on it
Give teammates their own logins and work from the same live book, with every payment, edit, and status change in a shared, humanized audit trail.
Give borrowers a portal
Share one secure link for a live balance, payoff quote, and full payment history — no login to your system and no app for them to install.
Let the busywork run itself
RESPA escrow analysis, Form 1098 and 1099s, Metro 2 reporting, and borrower statements all generate from the same ledger you service against.
Feature by feature
NoteHarbor vs Moneylender Pro, side by side.
What we can show you plainly, and where we defer to the vendor rather than guess.
| Capability | NoteHarbor | Moneylender Pro |
|---|---|---|
| Runs in a web browser — nothing to install | Yes — Any modern browser; no downloads or updates | Desktop app, installed on Windows |
| Works on Mac, Windows, tablet & phone | Yes — Same live book from any device | Runs on a Windows PC |
| Your whole team on one live book | Yes — Add team seats; every action in a shared audit trail | Varies by version |
| Data hosted & backed up off-site | Yes — Encrypted cloud storage, managed backups | Varies by version |
| Borrower portal — live balance, payoff quote & history | Yes — Included on every plan, one secure link | Varies by version |
| Automated borrower emails (statements, late reminders, 1098) | Yes — Sent from your servicing ledger | Varies by version |
| RESPA escrow analysis | Yes — Annual analysis under the 12 CFR 1024.17 cushion cap | Varies by version |
| Year-end tax forms generated in-app | Yes — Form 1098 and 1099-INT / 1099-A / 1099-C / 1099-NEC | Varies by version |
| Metro 2 credit-bureau reporting | Yes — Built in, from the same ledger | Varies by version |
| Collections workbench | Yes — Track delinquencies and follow-ups in one place | Varies by version |
| Rentals management | Yes — RentHarbor add-on, address-synced to your notes | Varies by version |
| AI assistant for plain-English answers | Yes — Note Bot, included free and privacy-safe | Varies by version |
| Transparent monthly pricing, published online | Yes — From $40/mo, no up-front license | See vendor for current pricing |
"Varies by version" means we don't publish claims about another vendor's current build — confirm capabilities with them directly. What we can state plainly: both NoteSmith and Moneylender Pro are Windows desktop programs, while NoteHarbor runs in the cloud and reaches any device.
Switching is the easy part
Bring your book over in three steps.
Export from Moneylender Pro, upload, and the engine rebuilds every loan from its real balance. Your audit trail starts the moment you land.
From Moneylender Pro to your live book
about an afternoon- 1
Export from Moneylender Pro
Export your loans and payment history from Moneylender Pro to a CSV file, or bring a servicer PDF statement.
- 2
Upload & map your columns
Upload the CSV (or drop a PDF statement) and the guided wizard maps the columns and reconciles history cent-exact before it lands.
- 3
Your live loan book, in minutes
The penny-accurate engine re-projects every schedule from the real balance, the waterfall applies going forward, and your audit trail starts the moment you land.
Switching questions, answered.
Can I move my Moneylender Pro loans into NoteHarbor?
Yes. Export your book from Moneylender Pro to a CSV file and the guided import wizard maps the columns for you. You preview and confirm everything before it touches your book.
Do I have to install anything to use NoteHarbor?
No. NoteHarbor runs in your web browser on any device — Mac, Windows, tablet, or phone. There's nothing to download, and updates happen for you.
Will my full payment history come over?
Yes. You can import years of payment history, and the engine reconciles it cent-exact against the note terms, then re-projects each remaining schedule from the real balance.
Can my team use it at the same time?
Yes. Add team seats so everyone works from the same live book, each with their own login and a shared audit trail. Extra full-access seats are a $12/seat/mo add-on on Pro and Business.
How long does switching from Moneylender Pro take?
Most note holders move their book in an afternoon. A clean CSV import is the fast path; the wizard's preview and checksum step confirm the rebuild before you go live.
Bring your notes into a safe harbor.
Start a 30-day free trial and import your Moneylender Pro book — most note holders are live the same afternoon.