DebtNote
Collect what you're owed without the awkward follow-up.
Collect what’s owed — write the name, share a signed agreement, and let the notebook send the nudges. Para hindi ikaw ang masamang tao.
Everything in one notebook
Built for local Filipino lenders
Not a bank, not a loan app — just a sharper version of the notebook you already keep. Warm enough for barkada, firm enough to get paid.
One collection ledger
Track every peso owed to you in one notebook — clear balances, due dates, and who still hasn’t settled.
Automated email nudges
4 tonesPick from four tones — from a warm Taglish reminder to the dramatic Shinigami Notice — and let DebtNote follow up so you don't have to.
Signed promissory agreements
No borrower accountShare a public link. Your borrower reviews the terms and signs — no app, no sign-up. You get a timestamped record that it was agreed.
Proof-upload freeze
When a payment proof lands, reminders pause automatically — so no one gets nagged after they've already paid. Fair sa lahat.
Salary-period & paluwagan
Schedule installments around sahod (15th & 30th) or run a full paluwagan pool with payout order — DebtNote does the counting.
Private by default
Your books are yours. Borrowers only ever see the single agreement you share with them — never your whole ledger.
Three steps to getting paid back
From awkward text thread to a clean, agreed record — in the time it takes to write a name.
Add a record
Isulat ang pangalan at halaga. Set a schedule — one-time, salary-period, or paluwagan — and DebtNote does the math.
Share & sign
Send a public promissory link. Your borrower reviews the terms and signs from their phone — walang account, walang app to download.
Nudge until settled
DebtNote emails polite reminders on schedule. Once proof of payment is uploaded, reminders freeze. Tapos — settled na.
Say it your way
Four tones. Same goal.
Pick the voice that fits the relationship — a light Taglish nudge for barkada, or the dramatic Shinigami Notice when the deadline has come and gone. Tap to preview the actual email.
Subject
Re: Grocery pautang — ₱2,500
Kuya Ramon... ang utang na ₱2,500 para sa "Grocery pautang" ay due na (July 30). Huwag palampasin — ang notebook ay nakatutok.
Free to start. Honestly.
Email reminders are free while DebtNote is growing. SMS follow-ups are on the way — babayaran mo lang kapag kailangan mo.
Everything you need to keep the record and get paid back.
- Unlimited collection records
- Automated email nudges (all 4 tones)
- Signed promissory agreements
- Proof-upload freeze
- Salary-period & paluwagan schedules
For the reminders na hindi mababasa sa email. Priced per message, only when you send.
We'll email you the moment SMS goes live. No auto-charges, no surprises.
Mga tanong, sagot
The honest answers to what people ask before they start.
Nope. You share a public link, they review the terms and sign from their phone — no sign-up, no app to install. Only you keep a DebtNote account.
Let the notebook do the talking.
Stop being the bad guy over money you were kind enough to lend. Start your ledger in under a minute.