elCobrador

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elCobrador is a comprehensive SaaS platform built for credit unions, mutuals, finance companies and lenders looking to manage the entire credit and debt collection lifecycle with maximum efficiency. The system centralizes loan origination, amortization schedules (French, direct and fixed installments), credit scoring and debtor database inquiries. It streamlines high-volume batch debt collection via automated direct debit and payroll deduction agreements, ensuring automatic bank reconciliation. For field operations, elCobrador features a mobile web terminal for sales agents and door-to-door collectors without requiring app installation, recording receipts and real-time GPS geolocation. In addition, it integrates biometric digital signing (selfie and ID) for instant issuance of electronic promissory notes and contracts with full legal validity. Includes Business Intelligence dashboards for early delinquency tracking and daily cash flows.