The whole system,module by module

Lend with the collection rhythm you already use: daily, weekly, biweekly or monthly, from 2 to 500 instalments. Interest is calculated on principal or on balance, and you can also lend at 0%.

• ·Open loan: the client pays interest until they decide to settle, and each payment generates the next instalment.
• ·Renewal that carries the outstanding principal over without rebuilding the loan.
• ·Reschedule the payment date of a loan that is already running.
• ·Arrears with configurable grace days, and how much each day late costs in money.
• ·Every loan with its readable folio, PRE-0001, not a database identifier.

Collect an instalment, a partial payment or the whole loan. And when the collector settles several overdue instalments at once, a single receipt comes out with all of them.

• ·If the client overpays, you decide right there: change back or credit toward the next instalment.
• ·Reversal of a wrongly recorded payment, with a trace of who did it and when.
• ·Charging twice because of a network failure is impossible: every payment carries its idempotency mark.

Receipt, contract, promissory note and payment schedule, in four paper sizes and on 58 and 80 millimetre rolls. You view, download and print them without leaving the app, with your business logo.

Open the day, collect on it and close it with a count, with any shortfall in plain sight. Payments are recorded against an open drawer, so the day’s money always has an owner and a time.

Automatic double entry: every disbursement and every payment posts its own entry without anyone typing it. Chart of accounts, journal and ledger, and the statements that come out of them.

• ·Your books balance on their own because the entry is born from the movement, not from a later transcription.

Not everything you collect is a loan. Charge fixed periodic fees with their own charges, arrears and history, in the same system and against the same cash drawer.

Before you lend, look them up by ID: you will see how that person has paid across the platform, with a score from 0 to 100. It is observed payment behaviour, nothing else: we neither sell nor pull anyone’s private data.

Add your collectors and administrators with granular permissions, not rigid roles: each person sees and does exactly their part. Invitations go out by email.

Nine reports on your portfolio, CSV export whenever you want, and four importers so you can start with the portfolio you already have in Excel instead of typing it again.

Who did what and when. Every movement of money and every configuration change is recorded, so a discrepancy always has someone to ask.

The Prestafolio app is on its way, for Android and iOS. The collector opens their route, records the payment wherever they are and prints the client’s receipt on a bluetooth thermal printer. No writing things down on paper to type into the system later: the payment is recorded on the spot.