Creditor
Loan and collections management for informal cash lenders — borrowers, groups, interest rate, payment schedule, and daily, weekly, biweekly or monthly installments.
💰 What is this module?
Creditor tracks informal cash loans — the kind a lender makes directly to customers in a group or a fixed route, collecting in person on a set schedule. Record who you lent to, how much, at what interest rate, and every installment they pay you back, whether in full or in part.
🔄 How It Works
The flow is simple: first register your Groups (optional — the zones or collection points where you work), then your Borrowers (the people you lend to), and for each one create a Loan with the amount, interest rate, and payment frequency. Every time you collect, go to Collections, pick the loan, and log the installment — the balance and status update on their own.
🧭 Modules
🏪 Groups
Organize your collection rounds by zone or day of the week.
👥 Borrowers
Name, phone, address, and group for each customer.
💵 Loans
Amount, interest rate, frequency, and payment schedule.
🤝 Collections
Log full or partial installments, see the balance in real time.
📊 Reports
Overdue portfolio, daily collections, and performance by borrower or group.
🧮 How Interest Is Calculated
Interest is flat, on the original amount (not compounding): lend $1,000 at a 20% rate and the interest is $200, for a total of $1,200 — no matter how long the borrower takes to pay it off. If you set a number of payments, Creditor suggests an installment amount by dividing the total across them (e.g. $1,200 over 4 payments = $300 each), but you can adjust it by hand before saving.
🚦 Loan Status
🟢 Active
Has a balance due and hasn't passed its due date.
✅ Paid Off
Total installments reached the full amount due — set automatically.
🔴 Overdue
Passed its due date without being paid off.
⛔ Uncollectible
Set by hand when you write it off — this one never changes on its own.
Status (except Uncollectible) recalculates automatically every time you log or delete an installment — you never set it by hand.
💳 Plans
Personal (free) includes up to 10 borrowers, with unlimited loans, installments, and basic reports. Pro ($404.84 MXN/month, VAT included) removes the borrower limit and unlocks overdue-portfolio reports and daily collections. Upgrade anytime from the crown icon in the menu.