Your Lending Books, Finally in Order
Book a Free DemoSYNDi Online integrates directly with QuickBooks Online — calculating every principal, interest, and fee split automatically, then posting clean journal entries to your GL. No manual accruals. No spreadsheets. No reconciliation surprises.
QuickBooks was never designed for loan portfolios.
It's an excellent accounting tool. But when community lenders use it alone, predictable problems follow.
No Native Amortization Engine
Clients build manual schedules in Excel that break the moment a payment is late, a rate adjusts, or a loan is modified mid-term. Interest accruals get posted by hand and principal balances drift from reality.
No Borrower Statements
Clients either improvise something in Word, or call their advisor to explain why their numbers don't match what the borrower thinks they owe.
No Loan-Level Reporting
Portfolio reporting requires exporting data and rebuilding it in Excel — meaning the numbers are already stale by the time anyone reads them.
Payment Splits Are Manual
That $1,292.60 invoice is actually $842.18 principal, $416.67 interest, and a $33.75 fee — each hitting a different account. Someone calculates that split every month, for every loan, by hand.
The result is a receivables ledger that can't be trusted.
Interest income is either overstated or understated. AR aging reports mean nothing because the underlying entries weren't structured correctly to begin with. These aren't edge cases. They're the predictable result of using general-purpose accounting software to do a specialized job.
SYNDi Online does the math. QuickBooks gets the result.
The integration doesn't replace QuickBooks — it makes your clients better QuickBooks users. Every lending transaction is calculated correctly at the source in SYNDi Online, then posted to QuickBooks using our integration built on Intuit's QuickBooks REST API, mapped to your client's own chart of accounts.
The AR aging reconciles to the loan register. Interest income ties to what the amortization schedule says was earned. The balance sheet loan receivable balance matches the portfolio report. These are things that almost never happen cleanly when a lender is using QuickBooks alone.
Every transaction type, handled correctly.
Each transaction in SYNDi Online maps to a specific QuickBooks object type — no workarounds, no clearing accounts.
Loan Advances
Advances post as a QBO Bank Deposit directly to the bank register — no intermediary clearing account, no extra reconciliation step. Debit Loans Receivable, credit the bank.
QBO Bank DepositBillings & Payments
Post as direct GL journal entries — principal, interest, and fee splits calculated automatically. Borrower Receivable, Interest Income, Loans Receivable, and bank accounts all update correctly. No QBO Invoice or Sales Receipt created.
Direct GL Journal EntryThird-Party Fees
NSF charges and pass-through fees route through Misc Charge Payable with a VendorID, then settle via Bill Payment directly to the bank. Fees stay out of interest income and carry a clean audit trail.
QBO Bill + Bill PaymentIdempotent Posting
Re-running a GL transfer will never create duplicate entries. SYNDi Online keeps a record of each entry sent to QuickBooks — so re-runs are safe and reconciliation is clean.
No DuplicatesCOA Mapping
SYNDi Online maps to your client's existing chart of accounts. Loans Receivable, Interest Income, Fee Income — each loan maps to whatever account your client already uses in QuickBooks.
Per-Client MappingAutomated Amortization
The amortization engine runs automatically — handling variable rate adjustments, missed payments, partial payments, and mid-term modifications without anyone touching a spreadsheet.
Always CurrentBuilt for advisors whose clients have outgrown QuickBooks alone.
When a lending client runs SYNDi Online alongside QuickBooks, your work changes — in the best way possible.
Referral Commissions
Advisors who refer clients earn a commission on every conversion. No quotas, no complicated terms — if a client you refer becomes a SYNDi customer, you earn on it.
Integration Roadmap Input
ProAdvisors who join the program now get direct input into the QuickBooks integration roadmap, so the tool gets shaped by people who understand how their clients' books actually work.
Natural Advisory Add-On
For clients who fit the profile, this becomes a complement to the work you're already doing — not a competing product, a cleaner upstream data source for your advisory work.
Software built by lenders, for lenders — for over 20 years.
Full Loan Lifecycle in One Platform
Origination and funding, automated amortization, billing runs, payment processing, borrower statements, and real-time portfolio reporting — all in one place.
Clean Books Without the Effort
Your AR aging reconciles to the loan register. Interest income ties to the amortization schedule. The balance sheet loan receivable matches the portfolio report.
Built for Community Lenders
We've been building this for over 20 years, working with CDFIs, agricultural co-ops, Indigenous financial institutions, dioceses, and private funds across Canada and the US.
Implementation & Onboarding Support
Our team handles configuration, data migration, and staff training. Most organizations are up and running within weeks, not months.
Cloud-Based, Always Current
No servers, no IT maintenance, no version upgrades. Access your portfolio and your GL integration from anywhere.
Trusted by community lenders across Canada and the United States.
Private lending funds, agricultural co-ops, Indigenous financial institutions, and mission-driven organizations trust SYNDi Online to run clean portfolios and maintain accurate books — without the manual overhead of QuickBooks alone.
Ready to clean up your lending books?
See how SYNDi Online + QuickBooks gives community lenders accurate GL entries, clean reconciliation, and a live portfolio view — automatically.
Book a Free Demo →Common questions about the QuickBooks integration
Does SYNDi Online replace QuickBooks?
No. SYNDi Online works alongside QuickBooks — it handles loan management and calculates all transaction splits, then posts clean journal entries directly to your existing QuickBooks GL.
How does the principal/interest split get calculated?
SYNDi Online's amortization engine calculates the exact principal, interest, and fee portions of every payment automatically. Those splits post as journal entries to QuickBooks — no manual calculation required.
Will re-running a GL transfer create duplicate entries?
No. SYNDi Online uses idempotent posting — it keeps a record of every entry sent to QuickBooks, so re-running a transfer is always safe and will never create duplicates.
Can the integration map to our existing chart of accounts?
Yes. SYNDi Online maps to your client's existing COA. Loans Receivable, Interest Income, Fee Income — each loan maps to whatever accounts your client already uses in QuickBooks.
Who is this integration built for?
Community lenders, private funds, agricultural co-ops, CDFIs, and Indigenous financial institutions who manage loan portfolios and use QuickBooks for their GL — and their ProAdvisors.
Is there a ProAdvisor partner program?
Yes. ProAdvisors whose clients fit the profile can join our partner program for referral commissions and direct input into the integration roadmap. Book a 15-minute call to learn more.