Free
$0/month, forever
- 20 customers
- 2 loans per customer
- Basic receipts
- Loan simulation
- Full offline mode
The collections app for daily-payment lenders and portfolio control
Cut your delinquency and save hours of paperwork every week. The app trusted by field collectors and daily-payment lending businesses across Latin America, working in more than 20 countries.
- 250,000+ downloads
- 4.8 1,689 reviews
- 100% offline
CobrApp does not grant credit or lend money. It is a technology platform for collections management and portfolio control of loans issued by third parties.
COBRAPP
Payment receipt
Customer M. Restrepo
Route Barrio Abajo
Date Sep 2, 2026
Installment 14 of 24 $ 90.00
Interest for the day $ 6.40
Previous balance $ 960.00
Paid today $ 96.40
New balance $ 863.60
Paid
Printed over Bluetooth
One whole collection, start to finish
- Step 1
You open the customer
The list shows who is due today and who was left pending. No searching through the notebook.
- Step 2
You record the payment
The app splits it between principal and interest and updates the balance. No arithmetic by hand.
- Step 3
You print the receipt
It comes out of the Bluetooth printer, or goes by WhatsApp as a PDF. Both sides have proof.
The cash does not add up at the end of the day
It is not that the collector works badly. It is that the tool stayed on paper while the business grew.
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The notebook gets wet, gets lost, runs out
One notebook per route per month. When one goes missing, so does the portfolio of those customers: there is no copy.
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The arithmetic is done by hand
Interest, late fees, balance. A $5 error a day across 40 customers is $200 a day nobody ever finds.
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“I already paid that”
With no receipt there is no argument to win. The collector’s word against the customer’s, every single day.
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A spreadsheet does not go out on the route
It works for the monthly close, not for collecting. Nobody opens a spreadsheet at a customer’s door with a phone in one hand.
If that sounds familiar, you already know what it costs. Collections software does not make you work more: it takes away the work that is not collecting. Start by keeping track of your loans in one place.
The same numbers. No longer in the notebook.
A day on the route, from first stop to close
- 06:40
Download it and add your customers
Name, phone, address and the area you cover. You import them once and they are there.
- 07:10
Create the loan with its installments
Amount, interest and frequency: daily, weekly, biweekly or monthly. The app works out the installment.
- 07:35
Collect and hand over the receipt
Three taps at the customer’s door. It prints over Bluetooth or goes by WhatsApp as a PDF.
- 18:00
Close the day and see your portfolio
How much you lent, how much came in, what is missing and who is behind. Nothing to add up.
Six things you stop doing by hand
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You collect even with no signal
You record everything with no data and the app syncs on its own once you are back online. Nothing is lost if you change phones.
See collections platform → -
The customer keeps their proof of payment
It prints at the door, with date, time and balance. Also as a PDF over WhatsApp. No more “I already paid”.
See debt collection app → -
You never add up by hand again
Daily, weekly, biweekly or monthly. The app splits every payment between principal and interest and updates the balance.
See daily loan tracking → -
Fewer detours, less fuel
Every morning you know who to visit and in what order. Payments mark themselves off as you go.
See collection routes → -
You know what each collector did
You assign customers to your team and see the day’s takings from your phone, without calling them one by one.
See loan management software → -
You know what you are really earning
Capital on the street, interest collected, arrears and profit. Export to Excel or CSV for your accountant.
See collections Excel template →
What the notebook never showed you
The notebook keeps what you collect. The app also tells you what you keep, who recorded what, and where every dollar went.
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What you really earn
Business Status subtracts operating expenses from the interest and late fees you collected and shows the month’s net profit, the margin and a six-month trend. Filter by route and by dates, and export to Excel, PDF or CSV.
Net profit = interest + fees − expenses
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What each collector can do
Each collaborator signs in with their own password and sees only what you assign: 24 permissions, by action and by module, plus their routes. Everything they record carries their name, and Team Progress shows who collected what, with the arrears and the kept promises for each of them.
24 permissions per collaborator
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Where the money went
Expenses Control records the money in and out of every route or cash box, with category and who recorded it, plus the payment method on collections. Delete a payment and the entry stays struck through and out of the total: nothing disappears. The cash closing exports to Excel, PDF or CSV.
Cash closing: today, yesterday or from… to…
Business Status and Expenses Control come with the Individual plan; Premium for your collaborators, from Team 5 up. See plans and pricing →
Six more modules already in the app
They don’t fit in the tour, but you will use them every week.
Predictive Management
Customers with no active loan, loans about to finish, high risk (more than 30 days) and customers you can win back: four of its lists to know who to call today.
Legal documents signed on screen
Generated as PDFs with the loan data; the customer signs on screen and your creditor signature is stored in the app.
Reminders and WhatsApp templates
Pick the template and WhatsApp opens with the message ready, with the name, the installment and the date. You decide when to send it.
Portfolio and days overdue
How much you have out on loan and since when: Portfolio filters by route and frequency, and Business Status shows it segmented by arrears, amount and route, to decide who to collect from first.
Loan simulator
Amount, interest, frequency and number of installments: the full plan, to check before creating the loan.
Web version and multi-currency
The same portfolio on your computer, and 150+ ISO 4217 currencies: dollars, pesos, soles, reais.
An offline collections app that also prints
In the neighborhood the signal drops, and out in the countryside there is none at all. CobrApp does not need internet to work: it needs it only to sync.
- You collect with no data. Record payments, create loans and check balances with airplane mode on.
- It syncs by itself. When the connection is back it uploads everything and your team sees the takings right away.
- Receipts over Bluetooth. With any 58 mm or 80 mm thermal printer, the kind sold in any electronics market.
- Cloud backup. Change your phone, sign in, and your whole portfolio comes back.
More detail in how offline mode works and in digital collection receipts.
EL PROGRESO COLLECTIONS
03/09/2026
PAYMENT RECEIPT
CUSTOMER
Alejandro Baldillo
ID number 109638
LOAN DETAILS
Date 30/08/2026
Next installment Sep 5, 2026
Overdue installments 0
Total lent $ 1,200.00
Total paid $ 168.00
THIS PAYMENT
Payment date 03/09/2026 15:04
Applied to Interest and principal
Method Cash
Paid $ 56.00
Balance $ 1,032.00
Thank you for your payment
Paid
Printed with no internet
- Pocket portable58 mm · Bluetooth
- Counter portable80 mm · Bluetooth
- No printerPDF over WhatsApp
Who collects with CobrApp
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Daily-payment field collector
Routes of 40 to 80 customers paying every day. Record the payment at the door and print the receipt.
debt collection app → -
Shop that sells on credit
The counter’s credit notebook, on the phone. You know who owes, how much and since when.
store credit tracking → -
Independent lender
Your own capital, few customers and clean numbers. Interest calculated and the portfolio up to date.
loan management software → -
Business with several collectors
Assign customers by route, see what each one collected and control the day’s cash.
collections platform → -
Installment sales
Appliances, clothing or motorbikes paid off over time. Payment plan, reminders and receipts.
installment payments app → -
Microfinance institution
A microcredit portfolio with several field officers and reports for the accounting close.
microfinance app →
Against what you use today
The notebook wins on simplicity and the spreadsheet on the monthly close. We say so because it is true: what neither of them does is come with you on the route.
| Feature | CobrApp | Notebook | Spreadsheet |
|---|---|---|---|
| Works with no internet | Halfway | ||
| Calculates interest and late fees on its own | — | With formulas | |
| Prints a receipt for the customer | — | — | |
| Cannot be lost or soaked | — | ||
| Usable standing up, on the street | — | ||
| Several collectors at once | — | — | |
| Portfolio report on the spot | — | Manual | |
| Automatic backup | — | If you upload it |
If you are on a spreadsheet today, look at the collections Excel template and the comparison with other collection apps.
CobrApp in numbers
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250,000+
downloads on Android and iOS
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1,689
reviews in the stores, 4.8 stars on average
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20+
countries where people already collect with the app
What the people who collect every day say
4.8 out of 5 across 1,689 store reviews. Read the reviews on Google Play.
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«I used to keep my collections in a notebook. I lost a lot of time adding things up and checking everything by hand. Since I started using CobrApp I have full control of my loans. The best part is that I can see what I am actually earning.»
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«I manage five collectors and I used to call them one by one to find out how the day was going. Now I see it from my phone. The Premium plan is worth every peso.»
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«I sell on credit and kept everything in notebooks. The app organized the business: I know who owes me, how much and since when, without digging through paper.»
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«What helps me most is the printed receipt. There used to be arguments over payments the customer said they had made. Now everyone leaves with their proof.»
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«I started with twenty customers and I am past a hundred now. Being able to see the portfolio up to date gave me the confidence to lend more.»
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«At the butcher shop I sold on credit and wrote it in a notebook. With the app I know exactly how much I have out and who is due to pay today.»
Start free, and free it stays
The free plan is not a trial that expires: it is a plan. It asks for no card and it lasts forever within its limits.
Paid plans
Individual, Team 5, Team 10 and Enterprise. The price depends on the billing period and the number of users.
- Unlimited customers and loans
- Collection routes and team members
- Receipt customization
- Business overview and expense tracking
- Export to Excel
- No ads
Frequently asked questions
The eight that reach support most often. If yours is not here, write to us.
What is CobrApp and who is it for?
CobrApp is a technology platform for managing collections and administering loans issued by third parties. It is built for field collectors, credit agents, independent lenders, merchants who sell on credit, microfinance institutions, cooperatives and any business that needs professional portfolio-control software. We do not grant credit and we do not lend money.
Can I use CobrApp with no internet connection?
Yes. CobrApp works fully offline. You can record payments, add customers, generate receipts and check your portfolio with no connection at all. When the signal comes back, the app automatically syncs everything with encrypted cloud backup. Ideal for rural areas with no coverage.
Does the app print receipts over Bluetooth?
Yes. CobrApp works with portable 58 mm Bluetooth thermal printers and with Wi-Fi printers to produce the receipt instantly. Every receipt carries your logo, the payment detail and the remaining balance. You can also generate it as a PDF to send through whatever channel you use with your customer.
Is CobrApp a financial institution, or does it lend money?
No. CobrApp is strictly a software platform for collections management and the administration of loans issued by third parties. We are not a financial institution, we do not grant credit, we do not lend money and we do not broker financial products of any kind.
How much does CobrApp cost and what does the Premium plan include?
CobrApp has a free plan with the basics to get started (up to 20 customers). The Premium plan adds unlimited customers, unlimited loans, advanced collection routes, multiple collectors, customized Bluetooth receipts, advanced reports, no ads and priority support. Check the plans page for the detail.
Is my data safe in CobrApp?
It is. We use bank-grade end-to-end encryption (256-bit) to protect your data. Automatic cloud backup means you do not lose anything when you change phones. We comply with the data-protection rules in force in every country where we operate.
Do I lose my portfolio if I change phones?
No. Just sign in with your Google account or email on the new phone and everything is restored automatically: customers, loans, payments, reports and settings. Cloud backup means your data is never lost.
Is there a free app for daily collections?
Yes. CobrApp has a complete free plan for daily collections: up to 20 customers, loans created at no cost, PDF receipts and portfolio control. It is available in more than 20 countries across Latin America and has passed 250,000 downloads. Download it free on Google Play or the App Store.
$ 3,470.00 Balanced
What a route of 37 visits with 4 collectors brings in on one day, with the portfolio balanced at close.
Start collecting like a professional today
Download CobrApp free. 250,000+ downloads across 20+ countries. Works with no internet.
CobrApp does not grant credit or lend money. It is a technology platform for collections management and portfolio control of loans issued by third parties.