Chronos Core

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Chronos Core is a lending core platform for micro-lenders and small finance companies in Latin America. It manages the full loan cycle in one system: applications and origination, repayment schedules and servicing, collections workflows, a cash register with tills and treasury accounts, double-entry accounting with financial statements, and a borrower portal with card payments. Each lender's data is isolated, and every change is recorded in a hash-chained audit log. An existing loan book can be imported from a spreadsheet, with opening balances kept as migration entries. Document templates such as promissory notes, sworn declarations and statements carry the lender's own name, logo and signatory. On the Pro plan, an AI officer proposes decisions; proposals wait for human approval under a four-eyes rule. The interface is available in Spanish and English. Plans are priced by active loans, starting at 50 loans and 2 users, with a 14-day trial that requires no card.