CobrApp: Loan Management

Log the day's payment in 3 taps, print the receipt, and move to the next stop.
CobrApp keeps your loans, payments, installments and loan book current — no notebooks, no spreadsheets.
Try Premium free for 7 days. More than 100,000 people already run their book on it.

WHAT COBRAPP IS AND IS NOT
CobrApp is collection management software for people who already lend on their own. We do NOT lend money, we do not issue credit, and we are not a financial institution. There is no loan application inside the app. If what you are looking for is a loan, this is not the app.

What CobrApp does is organize the collection of the loans YOU already made: customers, installments, payments, late interest, collection routes and receipts.

WHO IT IS FOR
If you lend on your own and today you keep the count in a notebook, this app is for you. Route collectors and daily-payment lenders. Independent lenders running their own book. Small lending operations with several collectors on the street. Credit unions and savings cooperatives. Microfinance businesses. Shop owners who sell on store credit and need to know who owes what.

OUT ON THE ROUTE
• Collect in 3 taps: exact payment, partial payment, or advance on future installments
• The balance recalculates itself, so you do no math at the customer's door
• Daily, weekly, biweekly, or monthly payment schedules
• Skip Sundays and holidays so an installment never falls on a non-business day
• Three interest modes: flat, recalculated on the balance, or bank-style compounding
• Add a new loan in under a minute
• Works offline: record the payment with no signal and it syncs later

RECEIPTS THAT LOOK PROFESSIONAL
• PDF receipt with your logo, your business details, and the customer's on-screen signature
• Prints straight to 58mm Bluetooth printers and Wi-Fi printers
• Send the receipt by WhatsApp or email the moment you collect
• Numbered receipts with full history per customer

YOUR LOAN BOOK, ALWAYS CURRENT
• How much is out on the street, how much you recovered, how much you earned
• Automatic alerts on overdue installments and delinquency tracking
• Status of every loan: outstanding principal, accrued interest, days late
• Cash flow projection and daily cash close
• Export to Excel and CSV for your accountant

ROUTES AND COLLECTORS
• Collection routes organized by zone and by day
• Assign customers to each collector, with roles and permissions
• See what each collector has taken in, live, from your own phone
• Optional payment geolocation
• Several users on the same book without stepping on each other

YOU DO NOT LOSE YOUR BOOK
It is every lender's real fear. CobrApp runs automatic encrypted cloud backup: change phones, sign in, and it all comes back — customers, loans, payments, receipts and history.

YOUR CURRENCY, YOUR COUNTRY
You pick your business currency in settings: dollars, pesos, soles, reais, quetzales or whichever you use. Used by collectors and lenders in the United States, Colombia, the Dominican Republic, Mexico, Argentina, Brazil, Peru, Ecuador, Guatemala, Costa Rica, Panama, Chile and Uruguay.

PLANS
Free: up to 10 customers, to start today without paying anything.
Premium: unlimited customers and loans, advanced routes, custom reports and priority support.
Team: several collectors with roles, permissions and a consolidated view.

The first 7 days of Premium are free. After that the subscription renews automatically on the plan you choose, unless you cancel before it ends from Google Play.

RESPONSIBLE PARTY
Software provider: YIBIHUGE SAS BIC
Address: Cl. 50 #37-67, Medellin, Colombia
Support: https://cobrapp.co
What you pay for: the subscription covers the use of the collection management software. The free version allows up to 10 customers. The price is shown in your local currency on this listing. It is NOT a credit product, it does not accrue interest, there is no disbursement of money, and there is no lending relationship between CobrApp and the user.

Recent changes:
What's new in this version:
- Charges (Premium): at delivery, per installment or added to the loan; in Profitability, what each brought in.
- Import customers from Excel or CSV.
- Irrecoverable loans (Premium): book the loss and keep collecting.
- Your own payment methods (Premium).
- Collection map (Premium): today's route and team collections.
- Customer and loan photos (Premium).
- Loan types: Declining balance, Interest only and No fixed term.
- Enterprise plan: unlimited collaborators.