NoteHarbor pricing is a low base plus a small per-loan servicing fee for loans above your plan's included count. Here's why that's a non-issue for most note holders.
It's a standard pass-through
A servicing fee is a normal, expected charge in the note world — borrowers on professionally serviced loans routinely pay one. Most note holders simply pass this fee through to the borrower as the loan's servicing charge.
It nets to $0 for the account owner
When you pass the fee through, the per-loan cost you pay NoteHarbor is covered by the servicing fee the borrower pays you — so it nets to $0 for you as the account owner. You're collecting servicing the way a professional servicer does, and the platform cost rides along with it.
You're never blocked
Adding a loan above your cap never stops you — NoteHarbor just bills the small per-loan fee (as low as a couple of dollars a month). See Settings → Billing for your live usage against your plan.
Check your state's note and disclosure rules before adding a servicing fee to a borrower's payment.