Rent Collection and Financial Management Software

Manual rent collection is one of the biggest time drains in coliving operations.

Chasing payments, sending reminders, reconciling bank transfers, and updating records takes hours every week across every property. Noseberry builds the custom coliving rent collection and billing automation platform that collects rent, sends reminders, generates receipts, and reconciles payments automatically, so your team stops running the finances and starts running the business.

Trusted by Coliving Operators Worldwide

Automated rent reminders and direct debit produce a 38% reduction in late payments within 3 months of launch

Finance teams using automated reconciliation complete month-end in hours instead of 2 to 3 days

Operators with real-time arrears visibility resolve overdue accounts before they escalate

Challenges We Solve

Rent reminders sent manually over WhatsApp every month. Your finance team spends the first week of every month sending individual payment reminders to every tenant. When a tenant ignores the first message, someone has to follow up again. And again. This is not a billing system. It is a monthly fire drill.

Payments collected in bank transfers with no automatic reconciliation. When rent arrives in your account, someone manually identifies who paid, updates the spreadsheet, and marks the tenant as cleared. When 200 tenants pay in the same week, this process takes days and errors are inevitable.

GST invoices generated manually in a separate tool with no connection to bookings. Your accountant exports booking data, opens the GST billing software, enters amounts manually, applies the correct tax rate, and sends the invoice. For every tenant. Every month. Mistakes in tax treatment create reconciliation problems and compliance risk.

No real-time view of who has paid and who has not. When your leadership team asks for the current arrears position, someone spends two hours cross-referencing a bank statement against a spreadsheet and produces a number that is already out of date by the time it is shared.

Security deposit refunds calculated manually at exit with no audit trail. When a tenant leaves, calculating their deposit refund requires checking outstanding dues, maintenance deductions, notice period compliance, and the original deposit amount. Without a connected ledger, every exit settlement is a manual exercise that invites dispute.

Utility billing split manually across tenants with no automated calculation. In properties with shared utility costs, someone allocates electricity, water, and internet charges across tenants each month using a formula stored in their head or a spreadsheet no one else fully understands.

Core Capabilities We Offer

Automated Rent Collection and Payment Gateway Integration

Connect Razorpay, Stripe, PayU, Cashfree, or UPI to your platform. Automated rent invoices generate on the defined billing date and payment links are sent to tenants via WhatsApp and email. Recurring direct debit mandates are set up at onboarding so rent collects without the tenant needing to act every month. Failed payment webhooks trigger immediate alerts and retry sequences.

GST-Compliant Invoice Generation

Generate GST invoices automatically for every tenancy with the correct tax treatment applied. Residential long-stay tenancies classified as GST-exempt under current regulations are invoiced without GST. Commercial or short-stay accommodations attracting 12% GST are invoiced correctly with SAC code and tax breakup. Your accountant reviews exceptions, not every invoice.

Real-Time Arrears Dashboard

See every overdue account across all your properties in one live dashboard. Arrears are shown by tenant, property, and aging bucket. Automated escalation sequences trigger at defined intervals after the due date, moving from a friendly reminder to a formal notice without your team manually deciding when to escalate.

Automated Payment Reconciliation

Every payment received through your gateway posts automatically to the correct tenant ledger. The payment reference, amount, date, and gateway transaction ID are stored against the tenant record. Month-end reconciliation compares ledger entries against your bank statement automatically and flags discrepancies for review. Manual reconciliation is eliminated.

Security Deposit Ledger and Exit Settlement

Track every security deposit from collection through any adjustments for maintenance deductions, early exit penalties, and unpaid dues to final refund. At exit, the settlement amount calculates automatically from the ledger. The refund figure is generated in minutes with a full supporting breakdown the tenant can see.

Utility Billing and Cost Allocation

Configure utility billing rules for each property, including per-unit electricity charges, shared water costs, internet fees, and maintenance levies. The system calculates each tenant's utility charges monthly using the defined allocation formula and adds them to the rent invoice automatically. No manual calculation required.

Segments We Serve

Independent Coliving Operators

Single-property operators collecting rent manually every month who need an automated billing system that sends reminders, collects payments, and reconciles accounts without their finance team doing it by hand.

Branded Coliving Chains

Multi-property operators managing hundreds of tenants across cities who need a centralised billing engine with real-time arrears visibility and automated escalation sequences that scale across the entire portfolio.

Student Housing Providers

Student housing operators with semester-based billing, parent payment arrangements, and institution fee agreements who need a flexible billing system that handles non-standard payment schedules without manual configuration every term.

Corporate Coliving Operators

Operators billing corporate clients on a monthly invoice basis who need GST-compliant B2B invoices, TDS management, and receivables tracking separate from their individual tenant billing.

PG and Paying Guest Operators

PG operators moving from cash-based rent collection to digital payments who need a simple but reliable billing system with WhatsApp reminders, UPI payment links, and a basic arrears tracker.

Build-to-Rent Developers

Institutional operators who need investor-grade financial reporting including property-level P&L, revenue per available bed, cash flow projections, and audit-ready transaction records.

AI-Powered Finance Intelligence

AI Late Payment Prediction

AI analyses tenant payment history, employment type, and seasonal patterns to predict which tenants are likely to pay late in the coming month. Your finance team contacts at-risk tenants proactively, before the due date, reducing arrears before they occur.

AI Reconciliation Anomaly Detection

AI compares payment gateway records, bank statements, and tenant ledger entries in real time and flags any discrepancies immediately. Duplicate payments, partial payments applied to the wrong tenant, and missing gateway receipts are surfaced before month-end, not discovered during the audit.

AI Revenue Forecasting

AI models forward revenue by property and portfolio level using current occupancy, upcoming renewals, pipeline bookings, and historical payment rates. Leadership sees a 90-day revenue forecast without requesting a report from the finance team.

AI GST Applicability Engine

AI monitors each tenant’s stay duration, accommodation classification, and booking structure to determine GST applicability in real time. When a stay crosses the residential exemption threshold mid-month, the invoice adjusts automatically. No manual GST recalculation required.

Impact We Create

Late payments reduced by 38% within 3 months Automated reminders, direct debit mandates, and real-time arrears escalation produce a measurable reduction in late payments from the first billing cycle after launch. Edge Living achieved a 38% reduction within three months of going live.

Month-end reconciliation completed in hours, not days Automated payment posting and bank statement matching reduce the month-end reconciliation exercise from two to three full days to a few hours. Your finance team reviews exceptions instead of processing every entry.

GST compliance maintained without accountant oversight on every invoice The GST engine generates every invoice with the correct tax treatment applied automatically. Your accountant's time is spent on strategy and compliance reviews, not correcting individual invoice errors.

Deposit settlements calculated in minutes, not arguments Every exit settlement generates from the tenant's ledger with a full breakdown. Disputes about deposit deductions drop dramatically because both parties see the same documented record.

Leadership has real-time financial visibility across all properties The arrears dashboard and revenue forecasting tools give leadership a live financial picture across the entire portfolio without waiting for a monthly report.

Future-Ready Finance Platform Architecture

Multi-Gateway and Multi-Currency Ready

As your operation grows or expands internationally, the billing engine supports multiple payment gateways and currencies from the same platform without separate billing configurations.

Connects to Your Accounting Software

Every invoice, receipt, and payment record syncs to Tally, QuickBooks, or Zoho Books automatically. Your accounting software always reflects the current position without manual exports.

Investor-Grade Financial Reporting

Property-level P&L, revenue per available bed, cash flow statements, and arrears aging reports are generated on demand in formats suitable for investor presentations and lender due diligence.

Regulatory Change Ready

When GST rates change or new TDS thresholds are introduced, billing rules update through configuration. Your invoices stay compliant without a development project every time the tax environment changes.