Ditch the checkbook.
Pay vendors instantly.
Approve invoices on your phone. Stripe routes secure ACH or card payouts to your plumbers, electricians, and contractors. No paper checks, no manual data entry, no surprise fees.
ACH batch in flight
Mike's Plumbing
Inv #4128 / ACH
$483.00
Settled
Northstar Electric
Inv #4131 / ACH
$1,250.00
In transit
Casa Painters
Inv #4126 / Card
$640.00
Awaiting approval
Greenline Lawn Care
Inv #4130 / ACH
$215.00
Settled
From leaky pipe to reconciled ledger.
Four steps. Zero spreadsheet edits, zero stamped envelopes.
Work Complete
Your contractor closes the maintenance ticket in their Vendor Portal and uploads the final invoice with photos.
One-Click Approval
Push notification on your phone. Tap to review photos and invoice. Approve and pay in two seconds.
Stripe Payout
Funds route from your connected business account to the vendor's bank. Stripe handles the rails, we handle the receipts.
Auto-Accounting
Expense logged to the property ledger, categorized for Schedule E, and counted toward the vendor's 1099 threshold.
Invoices arrive pre-triaged.
Smartlord.ai reads every invoice the moment it lands, compares it to the vendor's history, and flags what deserves a closer look. You still tap Approve. We just save you the spreadsheet.
Northstar Electric
Inv #4131 / received 2h ago
$1,250.00
Why we flagged it
18% above the 12-month average for this vendor ($1,058). Line item "panel upgrade" appears for the first time.
Casa Painters
Inv #4126 / received today
$640.00
Why we flagged it
Same amount, same property, same scope ("exterior trim, unit 2B") as Inv #4119, paid 11 days ago.
Sparrow Roofing
Inv #4135 / received 25m ago
$3,200.00
Why we flagged it
First invoice from this vendor. $3,200 already crosses the $600 1099 threshold, but no W-9 is on file. Send the onboarding link before paying?
AI never approves, holds, or pays anything on its own. Every action requires a tap from you, with a full audit trail of what was flagged and why.
Drag the slider. See the split.
Smartlord.ai adds zero markup. Stripe charges a small fee per payout, and we share it so neither side carries the whole cost.
$5.00
0.8% capped at $5, split 50/50
$29.30
2.9% + 30¢, vendor caps at $5
Win-win split. ACH fees are shared 50/50 with the vendor. On cards, the vendor caps at $5 and you cover the rest, which keeps emergency same-day funding accessible without making them eat the whole fee.
1099 Tracker
Year-to-date payouts
Mike's Plumbing
EIN 84-2913••• / W-9 on file
$0
1099 ready
Northstar Electric
EIN 27-1188••• / W-9 on file
$0
$188 to threshold
Casa Painters
W-9 missing, payouts paused
$0
Hold
Greenline Lawn Care
EIN 46-3221••• / W-9 on file
$0
$445 to threshold
1099s prepared as you go.
Tracking down who you paid and how much is the worst part of tax season. Smartlord.ai assigns every payout to a vendor profile in real time, so by January your filings are already done.
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Real-time tracking. Watch each vendor approach the $600 threshold as you pay them.
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W-9 enforcement. Vendors without a signed W-9 are blocked from receiving payouts.
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Export ready. One-click CSV at year-end for your CPA or tax software.
Zero-touch setup. Three steps.
You enter the vendor's email. Smartlord.ai handles the rest. You never touch their bank details, you never store their tax ID, you never chase paperwork.
You enter the vendor's email. Smartlord.ai sends a branded invite with a secure link to their custom onboarding portal.
The vendor links their bank through Stripe's tokenized onboarding. You never see, touch, or store their routing number.
The vendor digitally signs their W-9 during the same flow. It auto-files to your Files, ready for January.
Stop chasing invoices and writing checks.
Set up vendor payouts in under five minutes. Your contractors get paid faster, your books stay clean, and your taxes file themselves.
Free to start. No card required. Upgrade anytime.