Your plan limits

First, the good news: the paid plans do not charge you for growing. Clients are unlimited on Basic, Gold and Premium, and loans and recurring services come with high caps meant to stay out of the way even for large portfolios: up to 150/200 on Basic, 300/350 on Gold and 700/800 on Premium. The only things that really depend on your plan are how many agents you can have and how much space your files take up.

The Free plan is the exception and the way in: you start without paying and without a card, but it does cap clients, loans and services at much lower numbers (you can see them in the table).

This article explains how each limit is counted, what message you see when you hit it and what to do about it. If what you want is pricing and the plan comparison, that lives in Plans and billing.

What each plan limits

Beyond the quota, your plan also decides which modules you get:

• Free: clients, loans, payments, arrears, calculator, legal documents, cash and recurring services, within the caps in the table. It does not include the Accounting or Audit panels (your books still balance under the hood, but you don't see the reports).
• Basic: everything in Free with unlimited clients and much higher loan and service caps, plus the accounting panel, the audit trail and 2 GB of storage.
• Gold: everything in Basic plus agent management, accounting reports and business reports (portfolio, collections, performance, arrears), with even higher loan and service caps.
• Premium: every module, including the financial statements (Balance Sheet and Income Statement), with the highest caps on the platform.

If you try to open a section your plan does not include, the app either hides it or tells you the module is disabled. The fix is to upgrade.

If you are already above what your plan allows today

If your active portfolio is already above your plan's cap, you don't lose anything: the limit only checks how much you have when you create something new. A Basic tenant with 300 active loans keeps viewing, collecting and managing all 300 as usual; the only thing they can't do is create loan number 301 until they archive, pay off or write off one, or upgrade. Same underlying rule for recurring services, with one important difference in how room gets freed: pausing a contract does not free its slot (it still counts toward the cap); only cancelling it does.

There is a different case to watch for: while you are above a plan's cap, you cannot switch TO that plan (or to any other plan with an equal or lower cap): the change is blocked until you bring your usage down or upgrade to a plan with more room. This does not contradict the paragraph above: continuing to use what you already have is never blocked, but moving to a plan that does not cover what you already have is.

The Free plan

The Free plan ($0, no card) is for getting started: you create loans and collect without paying anything, and you upgrade as your operation grows. Its caps are 8 clients, 4 active loans, 4 active services, no agents (it's just you, the owner) and no file storage. It also does not include the Accounting or Audit panels.

The day any of those caps falls short, moving to Basic gives you unlimited clients, up to 150 active loans and 200 active services (far more than you'll need to get started), 2 GB of storage and the accounting panel. If your portfolio outgrows those caps down the line, further down this article we explain how to ask for more without switching plans. Prices are in Plans and billing.

Agents: how a seat is counted

The agent limit is the one that causes the most confusion, so let's be precise:

• The owner does not take a seat. "Up to 6 agents" means 6 collectors on top of you.
• A blocked agent still holds their seat. Blocking suspends their access but does not free the seat.
• Only deleting the agent frees the seat.

When you try to invite an agent above the cap, the invitation is rejected with a message along the lines of "You have reached your plan's maximum number of agents", showing the limit and how many seats you are using. The count is settled authoritatively at creation time, so there is no way to sneak in an extra agent with two simultaneous invitations.

What to do:

1. Delete (don't just block) an agent who no longer works with you, or
2. Upgrade from Billing.

Neither Free nor Basic includes agents. If you work with collectors, your minimum plan is Gold.

Storage: one shared quota

Your plan's space is a single pool for the whole account: it is consumed by the files attached to all of your clients. When an upload would push you over the quota, it is rejected and you are shown how much of your space is already in use.

All the details (accepted formats, maximum file size, how to free up space) live in Storage.

Audit history

Not a quota, but it also depends on your plan: the record of who did what is kept for 30 days on Basic, 60 on Gold and 90 on Premium. An automatic cleanup deletes anything older, and what gets purged cannot be recovered. See Audit trail.

Asking for more capacity

If your operation outgrows your plan's loan or service cap, there's no need to wait or switch plans: from within the app you can write to the Prestafolio team and ask for more room. The form already knows which resource you're about to run out of and attaches your current usage, so you don't have to explain your plan or your numbers; we confirm by email as soon as we receive it.

Fine print worth knowing

• Usage can take up to a minute to refresh. Prestafolio caches the count for about 60 seconds for performance. If you just deleted an agent and the system still says you are at the cap, wait a moment and try again.
• Upgrading applies the new quota immediately, without waiting for the next billing cycle.
• Downgrading with more agents, active loans or active services than the new plan allows blocks the change: you first need to resolve each excess (revoke access for however many agents put you over, archive or pay off loans, cancel services) until you are within the new cap. The one exception is storage: if you have more files than the new plan allows, the downgrade still goes through (your existing files are untouched) and you are only blocked from uploading more until you free up space.
• If you cancel, your account is left with no plan and the modules are disabled once the paid period ends: you lose access to the features, but your data is not deleted. See Managing your subscription.