Clear agreements
Keep amounts, dates, and repayment terms in one shared place so both sides know exactly what was agreed.
Trust, clarity, and follow-through
Keep your loans and debts organized and under control.
EM10 helps people, freelancers, and small teams manage repayments with clear terms, explicit confirmation, and a shared activity history.
Available on web, iOS, and Android
Free for everyday loans
Privacy-minded design
Why EM10
Clearer agreements, less friction, more trust.
EM10 helps people, freelancers, and small teams manage loans, debts and repayments with clear terms, explicit acceptance, and a shared activity record.
Explicit acceptance
Both parties actively confirm the terms, reducing ambiguity and making the agreement easier to trust.
Smart reminders
Timely reminders help prevent missed due dates and reduce the awkwardness of chasing repayments manually.
Shared activity history
Track confirmations, payments, and status changes in a single timeline that gives both sides more visibility.
Designed for personal loans and debts, shared expenses, freelancer repayments, and small business arrangements that need more clarity without unnecessary complexity.
How it works
Three simple steps to keep every agreement clear.
EM10 turns informal repayment arrangements into a shared flow that is easier to follow, confirm, and manage over time.
Step 1
Create the agreement
Add the amount, repayment dates, and any key conditions so both sides start from the same terms.
Step 2
Review and confirm
The other person checks the details and explicitly accepts the agreement, reducing ambiguity from the start.
Step 3
Track payments and reminders
Follow repayments, receive reminders, and keep a shared activity history that makes progress visible.
Step 1
Loan created
Terms ready to review
Draft
Step 2
Loan confirmed
Explicit acceptance recorded
Step 3
Reminder scheduled
Progress stays visible
Key features
Features designed to make managing loans and debts easier and safer.
EM10 combines clear confirmation, shared visibility, and lightweight traceability so repayment arrangements are easier to manage over time.
Bilateral confirmation
An agreement becomes active when both sides confirm the terms, making expectations clearer from the start.
Shared activity history
Key actions such as confirmations, payments, and status changes are recorded in a timeline both sides can review.
Action verification
Important actions can include timestamps and IP-based traceability as lightweight context, without turning the experience into bureaucracy.
Optional location context
When permission is granted, EM10 can attach optional location context to key actions for additional transparency.
Calendar and reminders
A clear schedule of repayments and reminders helps reduce missed due dates and manual follow-up.
Clear statuses
See whether a loan is pending, confirmed, active, closed, or overdue without having to guess what happens next.
Built for personal loans and debts, freelancer repayments, shared expenses, and small business arrangements that need more structure without adding unnecessary friction.
Privacy & Security
Clear agreements, with a privacy-minded approach.
EM10 is designed to keep only the information needed to support agreements, confirmations, and repayment tracking—without collecting unnecessary data.
Minimal data collection
Traceability for key actions
No bank credentials stored
What we store
- Agreement terms and repayment details
- Confirmation history and status changes
- Basic account data needed for access and notifications
- Timestamps and limited action traceability for key events
What we don’t store
- Bank account credentials
- Credit card numbers
- Location data without explicit permission
- Private message contents outside the agreement flow
Important note
EM10 supports record-keeping, confirmation, and repayment tracking. It does not replace legal advice, a notarized contract, or any formal legal process that may be required for higher-risk agreements.
EM10 is built to improve clarity and accountability in informal loans, while keeping the data footprint as small and proportionate as possible.
Get started
Access EM10 on web, iPhone, and Android.
Choose the version that fits you best and keep your loans, debts, reminders, and repayment tracking in one place.
Web app
Use EM10 from your desktop or mobile browser with full access to loans, reminders, and activity history.
Open web app
iPhone & iPad
Download EM10 from the App Store and manage your loans from anywhere.
Download on the App Store
Android
Get EM10 on Google Play and keep loans,repayments, reminders, and activity updates close at hand.
Get it on Google Play
Fast onboarding
Free for everyday loans
Privacy-minded design
Sign in with your account to sync loans, debts, reminders, and activity history across devices.
Pricing
No monthly fees. Pay once, only for larger loans.
Everyday loans are free. When a loan you create goes over 200 €, you pay a single fee based on its amount, and that's it.
For individuals
Free
Free
Plus a one-time fee for larger loans
Everything you need to create loans and debts, confirm terms, and follow repayments with reminders and shared history.
- Up to 15 active loans, created by you or by others
- Loans created by the other party never cost you anything
- Loans up to 200 €, free
- Your first paid loan is free
- Payments, reminders and signatures included
Coming soon
Pro
Monthly subscription
Price to be announced at launch
For freelancers, property managers and small businesses that keep track of many loans or debts.
- Loans up to 200 €, always free
- 50% off loan fees
- Export to Excel and CSV
- Attach receipts and documents
- Import loans from Excel
Enterprise
Custom pricing
Tailored to each organization
For larger organizations that need several users, their own branding and integration with their systems.
- Everything in Pro
- Multiple users and roles
- Your own branding
- API integration
- Dedicated support
One-time fee per loan
Based on the amount still owed, without interest. Pay once and keep the loan until it's closed.
| Amount owed | Fee |
|---|---|
| Up to 200 € | Free |
| More than 200 € and up to 500 € | 4 € |
| More than 500 € and up to 2.000 € | 9 € |
| More than 2.000 € and up to 10.000 € | 19 € |
| More than 10.000 € | 39 € |
Prices in EUR, taxes included. From your 16th active loan, loans up to 200 € have a single fee of just 2 €, or are free with Pro.
How the fee works
- Whoever creates the loan pays. The other party never pays anything.
- Your first loan that would require a fee is free.
- Increasing a loan is free while it stays in the same tier. If it moves up a tier, you only pay the difference.
- The fee is not refunded as the debt is repaid.
FAQ
Frequently asked questions
EM10 helps create a shared digital record of an agreement, confirmations, and repayments. It does not replace legal advice, a notarized contract, or any formal legal process that may be required in higher-risk situations.
EM10 is available on web, desktop, and mobile. The goal is for both sides to access the agreement easily, review the terms, and keep the shared activity history visible over time.
EM10 stores the information needed to support agreements, confirmations, reminders, and activity history. Key actions may include timestamps and limited traceability data to improve clarity and reduce disputes.
Yes. You can use EM10 to organize and follow your own repayment records, although its main value comes from keeping both sides aligned through shared confirmation and tracking.
Reminders are tied to the repayment flow so upcoming or overdue actions are easier to see and manage. This helps reduce missed dates and unnecessary follow-up between the people involved.
Export and reporting features are planned as part of the broader EM10 roadmap. The goal is to make agreement history and repayment activity easier to review and share when needed.
Contact
Get in touch
Have questions, feedback, or partnership ideas? We’d love to hear from you.